Does the Form 4 mention any special plans or entities related to Michael J. Flake’s UWHR shares?

The transaction is reported as directly held common stock by Michael J. Flake. The footnotes describe the stock as payment of his Annual Retainer and explain the weighted average pricing, without referencing separate entities or trading plans.

Uwharrie director paid retainer in 132 shares

Uwharrie Capital Corp director Michael J. Flake received a stock grant of 132 shares of common stock as part of his Annual Retainer for board service.

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.

How Sentiment works How the balance works

Form Type

Rhea-AI Filing Summary

Uwharrie Capital Corp director Michael J. Flake received a stock grant of 132 shares of common stock as part of his Annual Retainer for board service. The grant was valued using a weighted average price of $11.293 per share. After this compensation-related acquisition, he directly holds 1,953 shares of Uwharrie Capital common stock.

Insider Trade Summary

Grant/Award: 132 shares

Grant/Award 1 txn

Insider Flake Michael J

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock (Held by Self)	132	$11.293	$1K

Holdings After Transaction: Common Stock (Held by Self) — 1,953 shares (Direct)

Footnotes (3)

F1. This acquisition represents payment for a portion of the reporting person's Annual Retainer for serving in the capacity of Director.
F2. The number of shares acquired by the reporting person is based on the amount of the Annual Retainer being paid divided by a weighted average price of the issuer's common stock acquired for this specific payment.
F3. Represents a weighted average price of the issuer's common stock acquired for this specific payment.

Key Figures

Director stock grant: 132 shares Weighted average price: $11.293 per share Post-transaction holdings: 1,953 shares +1 more

4 metrics

Director stock grant 132 shares Common stock paid as part of Annual Retainer

Weighted average price $11.293 per share Valuation basis for this specific retainer payment

Post-transaction holdings 1,953 shares Director’s direct ownership after the grant

Transaction type Grant, award, or other acquisition Code A, compensation-related stock acquisition

Key Terms

Annual Retainer, weighted average price, Common Stock (Held by Self), Grant, award, or other acquisition

4 terms

Annual Retainer financial

"This acquisition represents payment for a portion of the reporting person's Annual Retainer for serving in the capacity of Director."

weighted average price financial

"The number of shares acquired by the reporting person is based on the amount of the Annual Retainer being paid divided by a weighted average price of the issuer's common stock."

Weighted average price is the average price of a security where each trade or component is counted according to its size, so bigger trades pull the average more than smaller ones. Think of it like calculating the average cost of a grocery haul where items you bought more of have greater influence on the final per-item cost. Investors use it to understand the true average price paid or received, judge execution quality, and compare trading performance against market movement.

Common Stock (Held by Self) financial

"security_title: Common Stock (Held by Self)"

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 did UWHARRIE CAPITAL CORP director Michael J. Flake report on this Form 4?

Director Michael J. Flake reported receiving 132 shares of Uwharrie Capital common stock as compensation. The shares represent part of his Annual Retainer for serving on the board, paid in stock rather than solely in cash.

How many UWHR shares did Michael J. Flake acquire and at what price?

Michael J. Flake acquired 132 shares of Uwharrie Capital common stock. The value was based on a weighted average price of $11.293 per share, calculated from issuer stock acquired for this specific retainer payment.

Is Michael J. Flake’s Form 4 transaction a market purchase or compensation grant in UWHR?

The Form 4 shows a compensation-related grant, not an open-market purchase. The 132 shares reflect payment of a portion of his Annual Retainer for serving as a director, using a weighted average share price to determine the share amount.

What are Michael J. Flake’s UWHARRIE CAPITAL CORP holdings after this transaction?

Following this grant, Michael J. Flake directly holds 1,953 shares of Uwharrie Capital common stock. This total reflects his updated direct ownership position after receiving 132 shares as part of his director Annual Retainer.

How was the number of UWHR shares for Michael J. Flake’s retainer grant calculated?

The number of shares was calculated by dividing the dollar amount of the Annual Retainer being paid in stock by a weighted average price of Uwharrie Capital common stock, specifically determined for this payment, resulting in 132 shares.

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

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Accepted by SEC EDGAR 06/18/2026 - 02:53 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^*

Flake Michael J

(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)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
06/17/2026

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 (Held by Self)	06/17/2026		A⁽¹⁾		132⁽²⁾	A	$11.293⁽³⁾	1,953	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. 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 a weighted average price of the issuer's common stock acquired for this specific payment.

3. Represents a weighted average price of the issuer's common stock acquired for this specific payment.

	Michael J. Flake by Tamara M. Singletary, EVP, Uwharrie Capital Corp	06/18/2026
	** 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