CFFI director reports 217-share estate transfer

C & F Financial Corp director Elizabeth R. Kelley reported an estate-related transfer of 217 shares of Common Stock.

Accepted by SEC EDGAR 07/07/2026 - 11:06 AM EDT

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Form Type

Rhea-AI Filing Summary

C & F Financial Corp director Elizabeth R. Kelley reported an estate-related transfer of 217 shares of Common Stock. The transaction was coded as an acquisition or disposition by will or laws of descent and distribution, indicating a non-market, inheritance-type event. Following this transfer, she holds 4,239 Common Stock shares directly.

Insider Trade Summary

Estate Transfer: 217 shares

Estate Transfer 1 txn

Insider Kelley Elizabeth R

Role Director

Type	Security	Shares	Price	Value
Estate Transfer	Common Stock	217	$0.00	$0.00

Holdings After Transaction: Common Stock — 4,239 shares (Direct)

Holdings Before and After: Common Stock, 4,022 to 4,239 shares (Direct)

Key Figures

Estate-related share transfer: 217 shares Shares held after transaction: 4,239 shares Transaction date: 2026-07-03

3 metrics

Estate-related share transfer 217 shares Common Stock, transaction coded under laws of descent and distribution

Shares held after transaction 4,239 shares Common Stock directly owned by Elizabeth R. Kelley after Form 4 event

Transaction date 2026-07-03 Date of reported non-derivative Common Stock transaction

Key Terms

Common Stock, laws of descent and distribution, Form 4

3 terms

Common Stock financial

"217 shares of Common Stock were reported in the non-derivative 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.

laws of descent and distribution regulatory

"coded as acquisition or disposition by will or laws of descent and distribution"

Form 4 regulatory

"reported in a Form 4 insider filing for C & F Financial Corp"

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.

FAQ

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What insider transaction did CFFI director Elizabeth R. Kelley report?

Elizabeth R. Kelley reported an estate-related transfer of 217 C & F Financial Corp common shares. The filing classifies it as an acquisition or disposition by will or laws of descent and distribution, indicating an inheritance-type, non-market transaction rather than a typical open-market trade.

How many CFFI shares does Elizabeth R. Kelley hold after this Form 4?

After the reported transaction, Elizabeth R. Kelley directly holds 4,239 shares of C & F Financial Corp common stock. This figure reflects her direct ownership position immediately following the 217-share estate or will transfer recorded in the Form 4 filing.

Was the July 2026 CFFI insider transaction a market buy or sell?

No, the July 2026 insider transaction for C & F Financial Corp was not a market buy or sell. It was coded under laws of descent and distribution, meaning the 217-share movement resulted from an estate or will transfer, not an open-market transaction.

What does 'acquisition or disposition by will or laws of descent and distribution' mean for CFFI?

For CFFI, this phrase indicates the 217-share movement involved inheritance or estate settlement. It reflects a transfer of ownership due to a will or similar legal process, rather than a voluntary trading decision in the open market by the reporting person.

Does the CFFI Form 4 show any options or derivative exercises for Elizabeth R. Kelley?

No derivative transactions or option exercises are shown for Elizabeth R. Kelley in this Form 4. The filing reports only a single non-derivative transaction: a 217-share estate or will transfer of C & F Financial Corp common stock, with 4,239 shares held afterward.

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

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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^*

Kelley Elizabeth 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)
07/03/2026

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	07/03/2026		W	V	217	A	$0	4,239	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)
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:

	/s/ Matthew B. Guth, Attorney-in-Fact	07/07/2026
	** 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