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

Rhea-AI Filing Summary

Holmes Audrey Dale reported acquisition or exercise transactions in this Form 4 filing.

C & F Financial Corp director Audrey Dale Holmes received a grant of company stock. On April 21, 2026, she was awarded 450 shares of Common Stock as restricted stock at $0.00 per share. After this compensation award, she directly holds 14,235 Common shares.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Holmes Audrey Dale

Role null

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

Holdings After Transaction: Common Stock — 14,235 shares (Direct, null)

Footnotes (1)

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Key Figures

Restricted stock grant: 450 shares Grant price: $0.00 per share Shares owned after grant: 14,235 shares

3 metrics

Restricted stock grant 450 shares Common Stock awarded on April 21, 2026

Grant price $0.00 per share Price for 450-share restricted stock award

Shares owned after grant 14,235 shares Total direct CFFI common shares after transaction

Key Terms

restricted stock, Common Stock, Form 4

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" with 450.0000 shares granted"

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): transaction code "A" for grant"

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.

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^*

Holmes Audrey Dale

(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)	14,235	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 Audrey Dale Holmes report?

Director Audrey Dale Holmes reported receiving 450 shares of C & F Financial Corp common stock as a restricted stock award. The Form 4 shows this as a grant at $0.00 per share, increasing her direct holdings to 14,235 shares after the transaction.

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

The CFFI insider transaction was a grant, not a market purchase. The Form 4 uses code “A” for a grant or award, and notes that 450 shares of common stock were awarded as restricted stock compensation at a price of $0.00 per share.

How many CFFI shares does Audrey Dale Holmes own after this Form 4?

After the reported grant, Audrey Dale Holmes directly owns 14,235 shares of C & F Financial Corp common stock. This total, disclosed in the Form 4, reflects her position immediately following receipt of the 450-share restricted stock award.

What does the footnote say about the CFFI restricted stock award?

The footnote explains that C & F Financial Corporation awarded restricted stock to the reporting person. This clarifies that the 450-share increase came from a compensation grant of restricted stock, rather than an open-market transaction or derivative exercise.

Does the CFFI Form 4 show any stock sales by Audrey Dale Holmes?

The Form 4 does not report any stock sales by Audrey Dale Holmes. It shows only one transaction: a code “A” grant of 450 restricted shares at $0.00 per share, which increased her direct common stock holdings to 14,235 shares.