[Form 4] UWHARRIE CAPITAL CORP Insider Trading Activity

Rhea-AI Filing Summary

Uwharrie Capital Corp director reports additional shares from stock dividend

A director of Uwharrie Capital Corp (UWHR) reported receiving 283 shares of common stock, held jointly with their spouse, on 12/01/2025. These shares were issued as part of a 3% stock dividend paid to shareholders of record as of 11/10/2025. After this transaction, the director beneficially owns 9,732 shares of Uwharrie Capital Corp common stock in this joint account.

No cash was paid by the reporting person for these shares, as they were received through the stock dividend. Fractional shares were not issued; instead, shareholders received cash in lieu of any fractional share amounts.

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
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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^*

Poplin Chris M

(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)
12/01/2025

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 jointly with Spouse)	12/01/2025		J(1)	V	283	A	$0.00(2)	9,732	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.

	Chris M. Poplin 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.

FAQ

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

The filing reports that a director of Uwharrie Capital Corp received 283 shares of common stock, held jointly with their spouse, on 12/01/2025 as part of a stock dividend.

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

Following the reported transaction, the director beneficially owns 9,732 shares of Uwharrie Capital Corp common stock in a joint account with their spouse.

What was the nature of the Uwharrie Capital Corp stock dividend mentioned in the Form 4?

The shares were issued as a three (3%) stock dividend paid to shareholders of Uwharrie Capital Corp on 12/01/2025 to holders of record as of 11/10/2025.

Did the reporting person pay cash to acquire the new Uwharrie Capital Corp (UWHR) shares?

No. The filing states that no money was paid by the shareholder for the acquired shares; they were received solely as part of the 3% stock dividend.

How were fractional shares handled in the Uwharrie Capital Corp stock dividend?

The explanation notes that no fractional shares were issued. Instead, shareholders were paid cash in lieu of fractional shares resulting from the 3% stock dividend.

What is the relationship of the reporting person to Uwharrie Capital Corp (UWHR)?

The reporting person is identified as a Director of Uwharrie Capital Corp, as indicated in the relationship section of the filing.