C&F Financial director granted 450 restricted shares

NAPIER JAMES T reported acquisition or exercise transactions in this Form 4 filing.

Accepted by SEC EDGAR 04/22/2026 - 03:31 PM EDT Learn about SEC filing dates

Rhea-AI Filing Summary

NAPIER JAMES T reported acquisition or exercise transactions in this Form 4 filing.

C & F Financial Corp director James T. Napier received a grant of 450 shares of Common Stock as restricted stock. The award carried a price of $0.00 per share, reflecting compensation rather than a market purchase. After this grant, Napier directly holds 6,510 shares of C & F Financial Corp Common Stock.

Insider Trade Summary

Grant/Award: 450 shares

Grant/Award 1 txn

Insider NAPIER JAMES T

Role Director

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

Holdings After Transaction: Common Stock — 6,510 shares (Direct)

Holdings Before and After: Common Stock, 6,060 to 6,510 shares (Direct)

Footnotes (1)

1. F1. C&F Financial Corporation awarded restricted stock to reporting person.

Key Figures

Restricted stock grant: 450 shares Grant price: $0.00 per share Shares held after grant: 6,510 shares +1 more

4 metrics

Restricted stock grant 450 shares Non-derivative Common Stock award to director

Grant price $0.00 per share Compensation-related restricted stock award

Shares held after grant 6,510 shares Director’s direct Common Stock holdings post-transaction

Transaction date 2026-04-21 Date of restricted stock acquisition reported on Form 4

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" for 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 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.

Grant, award, or other acquisition financial

"transaction_code_description: "Grant, award, or other acquisition"."

FAQ

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

What insider transaction did James T. Napier report for CFFI?

James T. Napier reported receiving a grant of 450 shares of C & F Financial Corp Common Stock. The shares were awarded as restricted stock compensation at $0.00 per share, increasing his direct holdings to 6,510 shares after the transaction.

Was the CFFI insider transaction a market purchase or a stock grant?

The CFFI insider transaction was a stock grant, not a market purchase. James T. Napier received 450 restricted shares of Common Stock at $0.00 per share as a compensation award, according to the Form 4 filing and its accompanying footnote.

How many CFFI shares does James T. Napier hold after this Form 4?

After this Form 4 transaction, James T. Napier holds 6,510 shares of C & F Financial Corp Common Stock directly. This total reflects his position following the 450-share restricted stock award reported as an acquisition on the filing date.

What does the Form 4 footnote say about the CFFI stock award?

The Form 4 footnote explains that C&F Financial Corporation awarded restricted stock to the reporting person. This clarifies that the 450-share transaction is a compensation-related grant, rather than an open-market trade or a transfer involving another entity or trust.

What transaction code was used for James T. Napier’s CFFI stock grant?

The transaction used code “A,” indicating a grant, award, or other acquisition of securities. This reflects 450 restricted shares of C & F Financial Corp Common Stock awarded at $0.00 per share, categorized as a non-derivative acquisition on the Form 4.

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^*

NAPIER JAMES T

(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)	6,510	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)