C&F Financial director granted 450 CFFI shares

Kelley Elizabeth R reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

Kelley Elizabeth R reported acquisition or exercise transactions in this Form 4 filing.

C & F Financial Corp director Elizabeth R. Kelley received a restricted stock award of 450 shares of Common Stock on April 21, 2026. The shares were granted at a price of $0.00 per share, reflecting equity-based compensation rather than an open-market purchase. Following this award, she directly owns 5,047 shares of the company’s common stock.

Insider Trade Summary

Grant/Award: 450 shares

Grant/Award 1 txn

Insider Kelley Elizabeth R

Role Director

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

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

Footnotes (1)

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

Key Figures

Restricted stock granted: 450 shares Grant price per share: $0.00 per share Shares owned after grant: 5,047 shares

3 metrics

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

Grant price per share $0.00 per share Restricted stock award to director

Shares owned after grant 5,047 shares Director’s direct holdings following transaction

Key Terms

restricted stock, Common Stock, grant/award acquisition

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.

Common Stock financial

"security_title: "Common Stock""

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.

grant/award acquisition financial

"transaction_action: "grant/award acquisition""

FAQ

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

What insider transaction did C&F Financial Corp (CFFI) report for Elizabeth R. Kelley?

C&F Financial Corp reported that director Elizabeth R. Kelley received a grant of 450 shares of Common Stock as restricted stock. This was a compensation-related award, not an open-market purchase or sale, and increased her direct holdings in the company.

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

After the restricted stock award, Elizabeth R. Kelley directly holds 5,047 shares of C&F Financial Corp Common Stock. This total includes the newly granted 450 restricted shares, reflecting her updated equity stake as disclosed in the Form 4 filing.

Was the CFFI Form 4 transaction a stock purchase or a grant to Elizabeth R. Kelley?

The Form 4 shows a grant, not a purchase. Elizabeth R. Kelley received 450 shares of Common Stock as a restricted stock award at $0.00 per share, described as a grant or award acquisition rather than an open-market buying transaction.

What does the restricted stock award to Elizabeth R. Kelley at CFFI represent?

The restricted stock award represents equity-based compensation. C&F Financial Corp granted 450 restricted shares of Common Stock to director Elizabeth R. Kelley, aligning part of her compensation with the company’s stock performance rather than cash pay.

What transaction code is used for Elizabeth R. Kelley’s CFFI stock award on Form 4?

The transaction uses code “A,” which indicates a grant, award, or other acquisition. In this case, it reflects a restricted stock award of 450 C&F Financial Corp Common Stock shares provided as compensation, not a market trade.

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

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Accepted by SEC EDGAR 04/22/2026 - 03:29 PM EDT Learn about SEC filing dates

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)
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)