Tax-withholding share disposition reported by C&F Financial (CFFI) executive

Rhea-AI Filing Summary

C & F Financial Corp insider Mark A. Fox, President and CEO of C&F Mortgage, reported a tax-related share disposition. On March 1, 2026, 278 shares of common stock were disposed of at $72.82 per share to cover tax obligations. After this non-open-market, tax-withholding transaction, Fox directly holds 11,527 shares of C & F Financial common stock.

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

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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^*

Fox Mark A

(Last) (First) (Middle)

3600 LAGRANGE PKWY

(Street)

TOANO VA 23168

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
C & F FINANCIAL CORP [ CFFI ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	PRESIDENT & CEO C&F MORTGAGE

3. Date of Earliest Transaction (Month/Day/Year)
03/01/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

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	03/01/2026		F		278	D	$72.82	11,527	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:

	/s/ Matthew B. Guth, Attorney-in-Fact	03/02/2026
	** 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.

FAQ

What insider transaction did CFFI executive Mark A. Fox report?

Mark A. Fox reported a tax-withholding disposition of C & F Financial common stock. On March 1, 2026, 278 shares were disposed of to satisfy tax liabilities, rather than through an open-market sale, as part of equity compensation handling.

How many CFFI shares were disposed of in the latest Form 4 filing?

The Form 4 shows a disposition of 278 shares of C & F Financial common stock. These shares were used to cover tax obligations, reflected as a tax-withholding transaction rather than a traditional market sale by the reporting executive.

At what price were the CFFI shares valued in the tax-withholding transaction?

The tax-withholding disposition valued the 278 C & F Financial shares at $72.82 per share. This price is used for reporting the transaction’s value in the filing and does not necessarily indicate an open-market trading price on that date.

How many CFFI shares does Mark A. Fox hold after this transaction?

Following the reported tax-withholding disposition, Mark A. Fox directly holds 11,527 shares of C & F Financial common stock. This post-transaction balance reflects his remaining direct ownership after 278 shares were used to satisfy tax obligations.

Was the CFFI insider transaction an open-market sale or tax withholding?

The transaction was a tax-withholding disposition, not an open-market sale. Shares were delivered to cover tax liabilities associated with equity, categorized under code “F” for payment of exercise price or tax liability by delivering securities.