C & F Financial (CFFI) risk factors
Item 1A of every C & F Financial Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors33 risks4 new1 dropped14 reworded
The company added explicit operational, model risk, climate change, and regulatory enforcement risks. ESG and diversity risks were updated to reflect rising national pushback. Disintermediation risks now highlight fintech competition and stablecoins.
Filed Mar 03, 2026 - FY2024 10-K risk factors30 risks
Commercial real estate and consumer auto loans represent 55 percent of the portfolio, carrying heightened concentration risk. Regional economic health in Virginia and the Mid-Atlantic dictates core banking performance. Strict federal regulation, interest rate volatility, and cybersecurity threats heavily impact operations.
Filed Feb 27, 2025