# EDGAR Filing Document

**Accession Number:** 0000913341
**File Stem:** 0000913341-26-000003
**Filing Date:** 2026-1
**Character Count:** 8110
**Document Hash:** 090cdfc80f2a72b276f291a7e5796d32
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000913341-26-000003.hdr.sgml**: 20260123

**ACCESSION NUMBER**: 0000913341-26-000003

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 13

**CONFORMED PERIOD OF REPORT**: 20260120

**ITEM INFORMATION**: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260123

**DATE AS OF CHANGE**: 20260123

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** C & F FINANCIAL CORP
- **CENTRAL INDEX KEY:** 0000913341
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 541680165
- **STATE OF INCORPORATION:** VA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-23423
- **FILM NUMBER:** 26553954

**BUSINESS ADDRESS:**
- **STREET 1:** 3600 LAGRANGE PKWY
- **CITY:** TOANO
- **STATE:** VA
- **ZIP:** 23168
- **BUSINESS PHONE:** 8048432360

**MAIL ADDRESS:**
- **STREET 1:** 3600 LAGRANGE PKWY
- **CITY:** TOANO
- **STATE:** VA
- **ZIP:** 23168

?xml version='1.0' encoding='ASCII'? C & F FINANCIAL CORPORATION_January 20, 2026

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

Washington, D.C. 20549

### FORM 8-K

### CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) January 20, 2026

### C&F FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)

---

| | | |
|:---|:---|:---|
| **Virginia** | **000-23423** | **54-1680165** |
| (State or other jurisdiction of<br>incorporation) | (Commission<br>File Number) | (IRS Employer<br>Identification No.) |

---

---

| | |
|:---|:---|
| **3600 La Grange Parkway, Toano, Virginia** | **23168** |
| (Address of principal executive offices) | (Zip Code) |

---

Registrant's telephone number, including area code (804) 843-2360

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐&nbsp;&nbsp;&nbsp;&nbsp;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐&nbsp;&nbsp;&nbsp;&nbsp;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐&nbsp;&nbsp;&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐&nbsp;&nbsp;&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Title of each class** | &nbsp;&nbsp;**Name of each exchange on which registered** |
| Common Stock, $1.00 par value per share<br> CFFI | The NASDAQ Stock Market LLC |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange of 1934 (§240.12b-2 of this chapter).

Emer <br> Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐

Item 5.02&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

On January 20, 2026, the Board of Directors of C&F Financial Corporation (the "Corporation"), appointed Dr. David H. Downs to serve as a director of the Corporation effective February 24, 2026. Dr. Downs will serve as a director of the Corporation until the annual meeting of shareholders in April 2026, at which time he will stand for election as a Class III director.

There are no arrangements or understandings between Dr. Downs and any other person pursuant to which he was selected as a director. Dr. Downs will be compensated for his services as a director of the Corporation in the same manner as other non-employee directors.

A copy of the Corporation's news release announcing Dr. Down's appointment is attached hereto as Exhibit 99.1.

Item 9.01Financial Statements and Exhibits

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)Exhibits

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.1[C&F Financial Corporation news release dated January 23, 2026](cffi-20260120xex99d1.htm)

104 Cover Page Interactive Data File (formatted as inline XBRL and contained

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;in Exhibit 101)

#### SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | | |
|:---|:---|:---|:---|
|  |  | C&F FINANCIAL CORPORATION | C&F FINANCIAL CORPORATION |
|  |  | (Registrant) | (Registrant) |
| Date: | January 23, 2026 | By: | /s/ Jason E. Long |
|  |  |  | Jason E. Long |
|  |  |  | Chief Financial Officer and Secretary |

---

## Exhibit 99.1

**EXHIBIT 99.1**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Friday, January 23, 2026** | &nbsp;&nbsp;**Friday, January 23, 2026** |
| &nbsp;&nbsp;**Contact:** | &nbsp;&nbsp;**Jason Long, CFO and Secretary**  |
|  | &nbsp;&nbsp;**(804) 843-2360** |

---

**C&F Financial Corporation Announces** 

**Appointment of New Board Member**

Toano, Va., January 23, 2026 – C&F Financial Corporation (the Corporation) (NASDAQ:CFFI), the holding company for C&F Bank, announced today that its Board of Directors has appointed Dr. David H. Downs to serve as a director of the Corporation effective February 24, 2026. Dr. Downs will also serve as a director of the Bank, where he has been a member of the C&F Central Virginia Advisory Board for over 12 years.

Dr. Downs is currently the Alfred L. Blake Endowed Chair Professor at Virginia Commonwealth University's Department of Finance, Insurance and Real Estate and Director of The Kornblau Institute, which offers students and scholars a platform to research commercial and residential real estate. Dr. Downs' research and curriculum focus on investments, financial regulation, valuation, and information economics. He previously served as an officer in the U.S. Navy's Nuclear Submarine Program and worked at Booz Allen Hamilton in management consulting prior to his career in academia.

"We are fortunate to welcome Dr. Downs to our board of directors," said Tom Cherry, President and Chief Executive Officer of the Corporation. "His expertise in real estate, investments, and risk management, combined with long-standing service to C&F and our communities, will be of great value to the Corporation."

<u>About C&F</u>

C&F Bank operates 31 banking offices and five commercial loan offices located throughout Virginia and offers full wealth management services through its subsidiary C&F Wealth Management, Inc. C&F Mortgage Corporation and its subsidiary C&F Select LLC provide mortgage loan origination services through offices located in Virginia and the surrounding states. C&F Finance Company provides automobile, marine and recreational vehicle loans through indirect lending programs offered primarily in the Mid-Atlantic, Midwest and Southern United States from its headquarters in Henrico, Virginia.

Additional information regarding the Corporation's products and services, as well as access to its filings with the Securities and Exchange Commission, are available on the Corporation's website at http://www.cffc.com.

------