Was cash paid for the 450-share CFFI restricted stock award?

No cash price was attached to the award; the shares were reported at $0.00 per share. This indicates the 450 shares of C & F Financial Corp Common Stock were granted as a compensation award, not acquired through an open-market cash purchase.

C&F Financial director granted 450 shares

Smith Jeffery O reported acquisition or exercise transactions in this Form 4 filing.

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)How Sentiment works

Sentiment and the balance of points

Rhea-AI Sentiment reads the wording of the document, how positive or negative its language is on a 1 to 5 scale. The balance of points shown with the takes weighs what the document actually discloses, so the two can disagree, for example when a trial that missed its main goal is described in upbeat language.

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Form Type

Rhea-AI Filing Summary

Smith Jeffery O reported acquisition or exercise transactions in this Form 4 filing.

C & F Financial Corp director Jeffery O. Smith received a grant of 450 shares of Common Stock as restricted stock. The award carried a stated price of $0.00 per share, indicating it was compensation rather than a market purchase. Following this grant, Smith directly holds 3,120 shares of Common Stock.

Insider Trade Summary

Grant/Award: 450 shares

Grant/Award 1 txn

Insider Smith Jeffery O

Role Director

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

Holdings After Transaction: Common Stock — 3,120 shares (Direct)

Footnotes (1)

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

Key Figures

Restricted stock grant: 450 shares Grant price per share: $0.00 per share Shares held after transaction: 3,120 shares

3 metrics

Restricted stock grant 450 shares Award of Common Stock to director Jeffery O. Smith

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

Shares held after transaction 3,120 shares Total Common Stock directly owned by Jeffery O. Smith after award

Key Terms

restricted stock, Common Stock, Grant, award, or other 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, 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 CFFI director Jeffery O. Smith report?

Director Jeffery O. Smith reported receiving a grant of 450 shares of C & F Financial Corp Common Stock. The filing describes this as an award of restricted stock provided as compensation, rather than a market purchase of shares on an exchange or through a broker.

How many CFFI shares does Jeffery O. Smith hold after this grant?

After receiving the 450-share restricted stock award, Jeffery O. Smith directly holds a total of 3,120 shares of C & F Financial Corp Common Stock. This total includes the newly granted shares, reflecting his updated direct ownership position reported in the filing.

What does the transaction code mean in Jeffery O. Smith’s CFFI filing?

The transaction code is classified as a grant, award, or other acquisition of Common Stock. This means Jeffery O. Smith did not buy shares on the market but instead received 450 restricted shares of C & F Financial Corp directly as part of his compensation.

Is Jeffery O. Smith’s ownership in CFFI direct or indirect?

The filing shows Jeffery O. Smith’s ownership as direct, labeled with ownership code “D.” This means the 3,120 shares of C & F Financial Corp Common Stock, including the 450 restricted shares granted, are held in his own name rather than through an intermediary entity.

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

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Accepted by SEC EDGAR 04/22/2026 - 03:37 PM EDT

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^*

Smith Jeffery O

(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)
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	04/21/2026		A		450	A	$0⁽¹⁾	3,120	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:

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)

Source: View Original Filing on SEC EDGAR