Director D. Anthony Peay receives 450-share stock award at C & F Financial (CFFI)

Rhea-AI Filing Summary

PEAY D ANTHONY reported acquisition or exercise transactions in this Form 4 filing.

C & F Financial Corp director D. Anthony Peay received a grant of 450 shares of Common Stock as restricted stock. The award carried a price of $0.00 per share, indicating it was compensation rather than a market purchase. Following this grant, Peay directly owns 2,275 shares of the company’s Common Stock.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider PEAY D ANTHONY

Role null

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

Holdings After Transaction: Common Stock — 2,275 shares (Direct, null)

Footnotes (1)

1. [object Object]

Key Figures

Shares awarded: 450 shares Award price per share: $0.00 per share Shares owned after transaction: 2,275 shares +1 more

4 metrics

Shares awarded 450 shares Restricted Common Stock grant on 2026-04-21

Award price per share $0.00 per share Restricted stock grant to director

Shares owned after transaction 2,275 shares Director’s direct Common Stock holdings post-grant

Transaction code A Grant, award, or other acquisition of Common Stock

Key Terms

restricted stock, Common Stock, Grant, award, or other acquisition, Form 4

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.

Grant, award, or other acquisition financial

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

Form 4 regulatory

"INSIDER FILING DATA (Form 4)"

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^*

PEAY D ANTHONY

(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)	2,275	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 C & F Financial (CFFI) report for D. Anthony Peay?

C & F Financial reported that director D. Anthony Peay received a grant of 450 shares of Common Stock. The shares were awarded as restricted stock at a price of $0.00 per share, reflecting a compensation-related acquisition rather than an open-market purchase.

How many CFFI shares does D. Anthony Peay hold after this Form 4 transaction?

After the restricted stock grant, D. Anthony Peay directly owns 2,275 shares of C & F Financial Common Stock. This total includes the newly awarded 450 shares, as disclosed in the Form 4 filing’s post-transaction ownership figure.

Was the CFFI Form 4 transaction a market purchase or a stock award?

The transaction was a stock award, not a market purchase. The Form 4 lists transaction code “A” for a grant or award, with 450 Common Stock shares acquired at $0.00 per share and a footnote stating C & F Financial Corporation awarded restricted stock.

What does the $0.00 price on the CFFI Form 4 transaction indicate?

The $0.00 price per share indicates the 450 Common Stock shares were granted to D. Anthony Peay at no cash cost. This is typical for restricted stock awards, which function as equity-based compensation rather than ordinary share purchases on the open market.

Does the CFFI Form 4 show any stock sales by D. Anthony Peay?

The Form 4 does not report any stock sales by D. Anthony Peay. It shows one acquisition transaction coded “A” for a grant or award of 450 Common Stock shares, increasing his direct holdings to 2,275 shares after the transaction.