Was any cash exchanged in the UWHR insider share transfer?

No cash was exchanged in the reported transfer. Footnotes specify that no money was paid or received; the 74 shares were moved from a custodial registered holder’s account into a joint registered holder’s account for the executive and spouse.

Uwharrie COO restructures 74 insider-held shares

Uwharrie Capital Corp Chief Operations Officer Jason R. Andrew reported an internal restructuring of his share holdings with no cash changing hands.

Filing Impact

(Neutral)

Filing Sentiment

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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

Uwharrie Capital Corp Chief Operations Officer Jason R. Andrew reported an internal restructuring of his share holdings with no cash changing hands. A total of 74 shares of common stock were transferred from an indirect custodial account held by his great grandmother-in-law to a directly held joint account with his spouse. Following the transactions, he directly owns 17,905 shares of common stock and 74 shares held jointly with his spouse, while the indirect custodial position is now zero.

Insider Trade Summary

Other: 148 shares

Other 3 txns

Insider Andrew Jason R

Role Chief Operations Officer

Type	Security	Shares	Price	Value
Other	Common Stock	74	$0.00	$0.00
Other	Common Stock (Held jointly with Spouse)	74	$0.00	$0.00
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 0 shares (Indirect, By Great Grandmother-in-Law as custodian); Common Stock (Held jointly with Spouse) — 74 shares (Direct); Common Stock — 17,905 shares (Direct)

Footnotes (5)

F1. Held by Great Grandmother-in-Law as Custodian for Spouse
F2. Transfer of shares from custodial registered holder(s) account to joint registered holder(s) account.
F3. No money was received by the shareholder(s) for the Disposed shares. The shares were disposed of as a result of a transfer of shares from a custoidal registered holder(s) account to a joint registered holder(s) account.
F4. No money was paid by the shareholder(s) for the Acquired shares. The shares were acquired as a result of a transfer of shares from a custodial registered holder(s) account to a joint registered holder(s) account.
F5. Held by Cede & Co., Depository for Pershing, LLC Safekeeper for Jason R. Andrew & Kellie M. Andrew Jt Ten

Key Figures

Shares transferred: 74 shares Direct holdings after transaction: 17,905 shares Joint holdings after transaction: 74 shares +2 more

5 metrics

Shares transferred 74 shares Moved from custodial holder to joint account on 2026-06-29

Direct holdings after transaction 17,905 shares Common Stock held directly following 2026-06-29 filing

Joint holdings after transaction 74 shares Common Stock held jointly with spouse following transfer

Indirect custodial holdings after transaction 0 shares Common Stock previously held by great grandmother-in-law as custodian

Restructuring share total 148 shares Aggregate of both legs of J-code restructuring transactions

Key Terms

transaction code J, Other acquisition or disposition, custodial registered holder(s) account, joint registered holder(s) account, +1 more

5 terms

transaction code J financial

"transaction_code": "J","transaction_type": "non-derivative""

Other acquisition or disposition financial

"transaction_code_description": "Other acquisition or disposition""

custodial registered holder(s) account financial

"transfer of shares from a custodial registered holder(s) account to a joint registered holder(s) account"

joint registered holder(s) account financial

"transfer of shares from a custodial registered holder(s) account to a joint registered holder(s) account"

held jointly with Spouse financial

"security_title": "Common Stock (Held jointly with Spouse)""

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did UWHR executive Jason R. Andrew report?

Jason R. Andrew reported a restructuring of 74 Uwharrie Capital Corp shares. The shares moved from an indirect custodial account to a jointly held direct account with his spouse, with no money paid or received for the transfer.

Did the UWHR COO buy or sell any shares in this Form 4 filing?

The COO did not buy or sell shares in a market transaction. The Form 4 records an internal transfer of 74 shares between related accounts, described as an "other" transaction with no cash consideration involved.

How many Uwharrie Capital Corp shares does Jason R. Andrew hold after the filing?

After the filing, Jason R. Andrew holds 17,905 Uwharrie Capital Corp common shares directly and 74 common shares held jointly with his spouse. The prior indirect custodial holding has been reduced to zero as part of the internal transfer.

What does transaction code J mean in this UWHR Form 4?

Transaction code J indicates "other" acquisition or disposition activity. In this case it reflects a restructuring transfer of 74 shares from an indirect custodial registration into a jointly registered account with the executive and spouse, with no purchase or sale in the market.

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

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Accepted by SEC EDGAR 06/29/2026 - 03:11 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^*

Andrew Jason R

(Last)

(First)

(Middle)

PO BOX 338

(Street)

ALBEMARLE

NORTH CAROLINA

28002-0338

(City)

(State)

(Zip)

UNITED STATES

(Country)

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)
	Chief Operations Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
06/29/2026

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⁽¹⁾	06/29/2026		J⁽²⁾		74	D	$0.00⁽³⁾	0	I	By Great Grandmother-in-Law as custodian
Common Stock (Held jointly with Spouse)	06/29/2026		J⁽²⁾		74	A	$0.00⁽⁴⁾	74	D
Common Stock⁽⁵⁾								17,905	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. Held by Great Grandmother-in-Law as Custodian for Spouse

2. Transfer of shares from custodial registered holder(s) account to joint registered holder(s) account.

3. No money was received by the shareholder(s) for the Disposed shares. The shares were disposed of as a result of a transfer of shares from a custoidal registered holder(s) account to a joint registered holder(s) account.

4. No money was paid by the shareholder(s) for the Acquired shares. The shares were acquired as a result of a transfer of shares from a custodial registered holder(s) account to a joint registered holder(s) account.

5. Held by Cede & Co., Depository for Pershing, LLC Safekeeper for Jason R. Andrew & Kellie M. Andrew Jt Ten

	Jason R. Andrew by Tamara M. Singletary, EVP, Uwharrie Capital Corp	06/29/2026
	** 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