Was the 450-share CFFI award to Charles Elis Olsson a market purchase?

No, the 450 shares were granted as restricted stock to Charles Elis Olsson at a price of $0.00 per share. This indicates a compensation-related equity award rather than an open-market purchase of C & F Financial Corp common stock.

Does the CFFI Form 4 show any insider share sales by Charles Elis Olsson?

The Form 4 does not report any sales by Charles Elis Olsson. It reflects a grant of 450 restricted shares and an update to indirect holdings, including dividend reinvestment plan acquisitions, without any disposition of C & F Financial Corp shares.

C&F Financial director granted 450 restricted shares

C & F Financial Corp director Charles Elis Olsson reported an equity award and updated holdings.

Accepted by SEC EDGAR 04/22/2026 - 03:51 PM EDT

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)How Sentiment works

Sentiment and the balance of points

Rhea-AI Sentiment reads the wording of the document, how positive or negative its language is on a 1 to 5 scale. The balance of points shown with the takes weighs what the document actually discloses, so the two can disagree, for example when a trial that missed its main goal is described in upbeat language.

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Form Type

Rhea-AI Filing Summary

C & F Financial Corp director Charles Elis Olsson reported an equity award and updated holdings. On April 21, 2026, he received a grant of 450 shares of common stock as restricted stock at no cost, increasing his direct ownership to 10,250 shares.

He also reported 959 shares of common stock held indirectly in his spouse’s name, which include shares acquired through routine purchases under the company’s dividend reinvestment plan.

Insider Trade Summary

Grant/Award: 450 shares

Grant/Award 1 txn

Insider Olsson Charles Elis

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	450	$0.00	$0.00
Holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 10,250 shares (Direct); Common Stock — 959 shares (Indirect, Shares Held in Spouse's Name)

Holdings Before and After: Common Stock, 9,800 to 10,250 shares (Direct)

Footnotes (2)

F1. C&F Financial Corporation awarded restricted stock to reporting person.
F2. Includes shares as of April 21, 2026 not previously reported, which were acquired through routine acquisitions under the issuer's dividend reinvestment plan.

Key Figures

Restricted stock award: 450 shares Direct holdings after award: 10,250 shares Indirect holdings (spouse): 959 shares +1 more

4 metrics

Restricted stock award 450 shares Grant of common stock on April 21, 2026

Direct holdings after award 10,250 shares Common stock held directly by Charles Elis Olsson after transaction

Indirect holdings (spouse) 959 shares Common stock held in spouse’s name as of April 21, 2026

Award price per share $0.00 per share Restricted stock grant to reporting person

Key Terms

restricted stock, dividend reinvestment plan, indirect ownership

3 terms

restricted stock financial

"C&F Financial Corporation awarded restricted stock to reporting person."

Shares granted to an individual that carry limits on transfer or sale until certain conditions are met, such as staying with the company for a set time or hitting performance targets. Think of them as a locked gift that gradually opens; for investors they matter because they affect how many shares may enter the market later, signal management incentives and potential dilution, and reveal confidence in future company performance.

dividend reinvestment plan financial

"acquired through routine acquisitions under the issuer's dividend reinvestment plan."

A dividend reinvestment plan lets shareholders automatically use cash dividends to buy more shares of the same company instead of receiving the money. It matters to investors because it turns regular payouts into a steady way to grow ownership and take advantage of compound returns—like having your savings automatically buy additional slices of a pie over time—while often reducing transaction costs and smoothing purchase timing.

indirect ownership financial

"Shares Held in Spouse's Name"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did CFFI director Charles Elis Olsson report?

Charles Elis Olsson reported receiving an award of 450 shares of C & F Financial Corp common stock. The shares were granted as restricted stock at no cost, increasing his direct ownership position and updating his overall reported holdings in the company.

How many CFFI shares does Charles Elis Olsson now hold directly?

After the reported award, Charles Elis Olsson holds 10,250 C & F Financial Corp common shares directly. This total reflects the addition of 450 restricted shares granted on April 21, 2026, as disclosed in the insider ownership filing.

What indirect CFFI holdings does Charles Elis Olsson report?

Olsson reports 959 C & F Financial Corp common shares held indirectly in his spouse’s name. According to the filing footnotes, this total includes shares acquired through routine purchases under the company’s dividend reinvestment plan as of April 21, 2026.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 4 Insider Transactions: What Each Field Means →

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SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Olsson Charles Elis

(Last)

(First)

(Middle)

3600 LA GRANGE PARKWAY

(Street)

TOANO

VIRGINIA

23168

(City)

(State)

(Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
C & F FINANCIAL CORP [ CFFI ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director	10% Owner
	Officer (give title below)	Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
04/21/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	04/21/2026		A		450	A	$0⁽¹⁾	10,250	D
Common Stock								959⁽²⁾	I	Shares Held in Spouse's Name

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

1. C&F Financial Corporation awarded restricted stock to reporting person.

2. Includes shares as of April 21, 2026 not previously reported, which were acquired through routine acquisitions under the issuer's dividend reinvestment plan.

	/s/ Matthew B. Guth, Attorney-in-Fact	04/22/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR