Uwharrie Capital insider receives 442 shares via 3% stock dividend

Uwharrie Capital Corp reported a routine insider ownership update.

Rhea-AI Filing Summary

Uwharrie Capital Corp reported a routine insider ownership update. An officer of the company, identified as President of UB Mortgage, received 442 shares of common stock on 12/01/2025 through a three percent stock dividend paid to shareholders of Uwharrie Capital Corp as of record date 11/10/2025. No money was paid by the shareholder for these shares because they were issued as part of the stock dividend, with cash paid only in lieu of any fractional shares.

Following this transaction, the reporting person directly beneficially owns 15,205 shares of Uwharrie Capital Corp common stock. The filing is a Form 4 submitted by a single reporting person and reflects non-derivative equity holdings only, with no derivative securities reported.

Insider Trade Summary

Other: 442 shares

Other 1 txn

Insider Trout Jeffrey L

Role President UB Mortgage

Type	Security	Shares	Price	Value
Other	Common Stock (Held by Self TOD Spouse)	442	$0.00	$0.00

Holdings After Transaction: Common Stock (Held by Self TOD Spouse) — 15,205 shares (Direct)

Footnotes (2)

1. F1. Shares acquired as a result of a three (3%) stock dividend paid to shareholders of Uwharrie Capital Corp on 12-01-2025 as of Record Date 11-10-2025. No fractional shares were issued. Shareholders were paid cash in lieu of fractional shares.
2. F2. No money was paid by the shareholder(s) for the acquired shares. The shares were acquired as a result of a three (3%) stock dividend paid to shareholders of Uwharrie Capital Corp on 12-01-2025 as of Record Date 11-10-2025.

FAQ

What insider transaction did Uwharrie Capital Corp (UWHR) report in this Form 4?

The Form 4 reports that an officer of Uwharrie Capital Corp received 442 shares of common stock on 12/01/2025 as part of a three percent stock dividend.

Was any cash paid for the UWHR shares received in this Form 4?

No cash was paid by the shareholder for the 442 shares. The shares were acquired entirely through a three percent stock dividend, with cash only in lieu of any fractional shares.

How many Uwharrie Capital Corp (UWHR) shares does the insider own after the reported transaction?

After the transaction, the reporting officer beneficially owns 15,205 shares of Uwharrie Capital Corp common stock in direct ownership.

What was the record date and payment date for the Uwharrie Capital Corp (UWHR) stock dividend?

The three percent stock dividend was paid on 12/01/2025 to shareholders of record as of 11/10/2025.

Does this UWHR Form 4 include any derivative securities like options or warrants?

No. The Form 4 only reports non-derivative common stock holdings and shows no derivative securities acquired, disposed of, or held.

Who is the reporting person in this Uwharrie Capital Corp (UWHR) Form 4 and what is their role?

The reporting person is an officer of Uwharrie Capital Corp, identified with the title President UB Mortgage, and the form is filed as a single reporting person filing.

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Accepted by SEC EDGAR 12/02/2025 - 12:59 PM 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^*

Trout Jeffrey L

(Last) (First) (Middle)

PO BOX 338

(Street)

ALBEMARLE NC 28002-0338

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
UWHARRIE CAPITAL CORP [ UWHR ]

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

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	President UB Mortgage

3. Date of Earliest Transaction (Month/Day/Year)
12/01/2025

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 (Held by Self TOD Spouse)	12/01/2025		J(1)	V	442	A	$0.00(2)	15,205	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. Shares acquired as a result of a three (3%) stock dividend paid to shareholders of Uwharrie Capital Corp on 12-01-2025 as of Record Date 11-10-2025. No fractional shares were issued. Shareholders were paid cash in lieu of fractional shares.

2. No money was paid by the shareholder(s) for the acquired shares. The shares were acquired as a result of a three (3%) stock dividend paid to shareholders of Uwharrie Capital Corp on 12-01-2025 as of Record Date 11-10-2025.

	Jeffrey L. Trout by Tamara M. Singletary, EVP, Uwharrie Capital Corp	12/02/2025
	** 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.