Uwharrie Capital Corp (UWHR) director reports share awards and purchases

Rhea-AI Filing Summary

Uwharrie Capital Corp director S. Todd Swaringen reported acquiring company stock through board compensation and a small additional purchase. On 12/15/2025 he received 142 shares of common stock as payment for a portion of his Annual Retainer for serving as a director, with the number of shares based on the trading price of $10.5 per share.

On the same date he also purchased 80 shares of common stock at $10.5 per share in an account where he acts as custodian for his daughter. After these transactions, the form shows him holding 2,548 shares of common stock directly and 80 shares indirectly as custodian for his daughter, and it also lists 2,252 additional shares in an account held by Cede & Co. for his benefit.

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

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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^*

Swaringen S Todd

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
12/15/2025

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)	12/15/2025		A(1)		142	A	$10.5(2)	2,548	D
Common Stock (Custodian for Daughter)	12/15/2025		P		80	A	$10.5	80	I	Held by Self as Custodian for Daughter
Common Stock (Custodian for Daughter)	12/15/2025		P		80	A	$10.5	80	I	Held by Self as Custodian for Daughter
Common Stock(3)								2,252	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. This acquisition represents payment for a portion of the reporting person's Annual Retainer for serving in the capacity of Director.

2. The number of shares acquired by the reporting person is based on the amount of the Annual Retainer being paid divided by the trading price of the issuer's common stock acquired for this specific payment.

3. Held by Cede & Co., Depository for Pershing LLC Safekeeper for Stephen Todd Swaringen

	S. Todd Swaringen by Tamara M. Singletary, EVP, Uwharrie Capital Corp	12/16/2025
	** 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.

FAQ

What insider transactions did Uwharrie Capital Corp (UWHR) disclose in this Form 4?

The Form 4 reports that director S. Todd Swaringen acquired 142 shares of Uwharrie Capital common stock as part of his Annual Retainer for board service and separately purchased 80 shares of common stock in an account where he is custodian for his daughter.

How many UWHR shares did the director receive as part of his board retainer?

The filing states that 142 shares of Uwharrie Capital common stock were acquired as payment for a portion of S. Todd Swaringen’s Annual Retainer for serving as a director.

At what price were the Uwharrie Capital (UWHR) shares acquired?

Both the retainer-related shares and the shares bought for his daughter’s custodial account were acquired at a trading price of $10.5 per share.

How many UWHR shares does S. Todd Swaringen hold after the reported transactions?

After the transactions on 12/15/2025, the form shows S. Todd Swaringen holding 2,548 shares of Uwharrie Capital common stock directly and 80 shares held indirectly as custodian for his daughter. It also lists 2,252 shares in an account held by Cede & Co., depository for Pershing LLC, as safekeeper for him.

Were any derivative securities reported for Uwharrie Capital Corp (UWHR) in this insider filing?

The section for Derivative Securities lists column headings but shows no derivative securities acquired, disposed of, or beneficially owned in connection with these transactions.

What is S. Todd Swaringen’s relationship to Uwharrie Capital Corp (UWHR)?

He is identified in the form as a Director of Uwharrie Capital Corp, with the director box checked and the 10% Owner box not checked.