C&F Financial (CFFI) director receives 450-share restricted stock award

Rhea-AI Filing Summary

C & F Financial Corp director Julie R. Agnew received a grant of common stock as equity compensation. On April 21, 2026, she acquired 450 shares of C&F Financial Corporation common stock as restricted stock, bringing her direct holdings to 5,047 shares after the award.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Agnew Julie R

Role null

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

Holdings After Transaction: Common Stock — 5,047 shares (Direct, null)

Footnotes (1)

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Key Figures

Restricted stock granted: 450 shares Award price per share: $0.0000 per share Shares held after award: 5,047 shares

3 metrics

Restricted stock granted 450 shares Common Stock award on April 21, 2026

Award price per share $0.0000 per share Equity compensation, not a market purchase

Shares held after award 5,047 shares Director’s direct holdings following the transaction

Key Terms

restricted stock, Common Stock, Form 4, Grant, award, or other acquisition

4 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.

Common Stock financial

"security_title: Common Stock in the reported transaction"

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

Form 4 regulatory

"INSIDER FILING DATA (Form 4) for Julie R. Agnew"

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

Grant, award, or other acquisition financial

"transaction_code_description: Grant, award, or other acquisition"

Form 4 Insider Transactions: What Each Field Means →

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^*

Agnew Julie R

(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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	04/21/2026		A		450	A	$0(1)	5,047	D

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)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

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

	/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)

FAQ

What insider transaction did CFFI director Julie R. Agnew report?

Julie R. Agnew reported receiving a grant of 450 shares of C & F Financial Corp common stock. This equity award increased her direct holdings to 5,047 shares following the transaction, according to the Form 4 insider filing.

When did Julie R. Agnew receive her restricted stock award in CFFI?

Julie R. Agnew received her restricted stock award on April 21, 2026. On that date, she was granted 450 shares of C & F Financial Corp common stock as compensation, as disclosed in the Form 4 filing.

How many CFFI shares does Julie R. Agnew hold after the latest award?

After the latest award, Julie R. Agnew directly holds 5,047 shares of C & F Financial Corp common stock. This reflects the addition of 450 restricted shares granted to her on April 21, 2026.

Was cash paid for Julie R. Agnew’s CFFI restricted stock grant?

No cash was paid for the restricted stock grant, which was priced at $0.0000 per share. The 450 C & F Financial Corp common shares were awarded to Julie R. Agnew as compensation rather than as a market purchase.

What type of security was granted to Julie R. Agnew by CFFI?

C & F Financial Corp granted Julie R. Agnew restricted shares of its common stock. The Form 4 notes an award of 450 common shares, described in the footnote as restricted stock awarded to the reporting person.