CFFI

C&F Financial Corp. is a financial holding company based in Virginia that operates through multiple subsidiaries providing banking, mortgage, and consumer finance services. The company's primary subsidiary, Citizens and Farmers Bank, offers traditional community banking services including commercial and consumer lending, deposit products, and wealth management. C&F Financial also operates C&F Mortgage Corporation, which originates and sells residential mortgage loans, and C&F Finance Company, which provides automobile loans primarily to customers who do not meet traditional bank credit standards. The company serves individuals, businesses, and municipalities across Virginia and surrounding markets. C&F Financial's diversified business model combines community banking with specialized lending operations, allowing it to serve a broad customer base with varying credit profiles. The company emphasizes strong credit underwriting, customer relationships, and prudent risk management while maintaining its community banking heritage and local market knowledge.