C&F Financial (CFFI) CEO reports tax share disposal and small sale

Rhea-AI Filing Summary

C & F Financial Corp President & CEO Thomas F. Cherry reported two small stock transactions. On March 1, he disposed of 1,872 common shares at $72.82 to cover tax obligations, leaving 40,869 shares directly owned. On February 26, he completed an open‑market sale of 11 shares at $78.25, after which he directly held 42,741 shares.

Insider Trade Summary

Net Seller: 11 shares ($861)

Net Sell 2 txns

Insider CHERRY THOMAS F

Role PRESIDENT & CEO

Sold 11 shs ($860.75)

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	1,872	$72.82	$136K
Sale	Common Stock	11	$78.25	$860.75

Holdings After Transaction: Common Stock — 40,869 shares (Direct)

Footnotes (1)

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^*

CHERRY THOMAS F

(Last) (First) (Middle)

3600 LA GRANGE PARKWAY

(Street)

TOANO VA 23168

(City) (State) (Zip)

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
X	Officer (give title below)		Other (specify below)
	PRESIDENT & CEO

3. Date of Earliest Transaction (Month/Day/Year)
02/26/2026

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

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

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

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	02/26/2026		S		11	D	$78.25	42,741	D
Common Stock	03/01/2026		F		1,872	D	$72.82	40,869	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:

	/s/ Matthew B. Guth, Attorney-in-Fact	03/02/2026
	** 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.

FAQ

What insider transactions did CFFI CEO Thomas F. Cherry report?

Thomas F. Cherry reported two transactions in CFFI common stock. He disposed of 1,872 shares on March 1 to cover tax liabilities and sold 11 shares on February 26 in an open‑market transaction, with both held as direct ownership.

How many CFFI shares did the CEO dispose of for taxes?

Thomas F. Cherry disposed of 1,872 CFFI common shares at $72.82 per share to satisfy tax obligations. This tax‑withholding transaction left him with 40,869 directly owned shares immediately after that disposition, according to the Form 4 filing.

Did the CFFI CEO sell any shares in the open market?

Yes. The CFFI CEO, Thomas F. Cherry, executed an open‑market sale of 11 common shares at $78.25 per share on February 26. This sale was reported as a standard market transaction and left him holding 42,741 directly owned shares afterward.

What is Thomas F. Cherry’s role at C & F Financial Corp (CFFI)?

Thomas F. Cherry is both a director and the President & CEO of C & F Financial Corp. His Form 4 filing reflects transactions in CFFI common stock that he holds under direct ownership, consistent with his executive and board responsibilities.

How many CFFI shares does the CEO own after the reported transactions?

After the March 1 tax‑withholding disposition of 1,872 shares, Thomas F. Cherry directly owned 40,869 CFFI common shares. The earlier February 26 open‑market sale of 11 shares left him with 42,741 shares immediately following that specific transaction.

Are the reported CFFI insider transactions classified as buys or sells?

Both reported CFFI transactions reduce holdings. One is a tax‑withholding disposition of 1,872 shares, classified as a payment of tax liability by delivering securities. The other is an 11‑share open‑market sale, recorded as a standard sell transaction.