Uwharrie Capital insider adds shares via 3% stock dividend

Uwharrie Capital Corp’s Chief Risk Officer, R. David Beaver III, reported additional ownership of company common stock following a three percent stock dividend.

Rhea-AI Filing Summary

Uwharrie Capital Corp’s Chief Risk Officer, R. David Beaver III, reported additional ownership of company common stock following a three percent stock dividend. On 12/01/2025, he acquired multiple small blocks of shares at a reported price of $0.00 per share because the dividend was paid in stock rather than cash. The reported increases include shares held directly, as well as shares held jointly with his spouse and with his mother.

The explanation notes that the stock dividend was paid on 12/01/2025 to shareholders of record as of 11/10/2025, with no fractional shares issued and cash paid instead for any fractional amounts. These transactions represent an update to Beaver’s beneficial ownership position resulting solely from the stock dividend, not from open-market purchases.

Insider Trade Summary

Other: 1,183 shares

Other 4 txns

Insider Beaver R David III

Role Chief Risk Officer

Type	Security	Shares	Price	Value
Other	Common Stock (Held jointly with Spouse)	149	$0.00	$0.00
Other	Common Stock	883	$0.00	$0.00
Other	Common Stock	115	$0.00	$0.00
Other	Common Stock (Held jointly with Mother)	36	$0.00	$0.00

Holdings After Transaction: Common Stock (Held jointly with Spouse) — 5,147 shares (Direct); Common Stock — 3,962 shares (Direct); Common Stock (Held jointly with Mother) — 1,268 shares (Direct)

Footnotes (4)

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.
3. F3. Held by Cede & Co., Depository for Pershing LLC Safekeeper for R. David Beaver, lll & Emily N. Beaver Jt Ten
4. F4. Held by Cede & Co., Depository for IRA FBO R. David Beaver, lll Pershing LLC as Custodian

FAQ

What insider transaction did Uwharrie Capital Corp (UWHR) report for R. David Beaver III?

The filing reports that Chief Risk Officer R. David Beaver III acquired additional Uwharrie Capital Corp common shares on 12/01/2025 as a result of a three percent stock dividend.

Was cash paid for the UWHR shares acquired by R. David Beaver III?

No cash was paid by the shareholder for these shares. The filing states that the shares were acquired at $0.00 per share because they came from a three percent stock dividend paid in stock.

What was the basis for the stock dividend reported by Uwharrie Capital Corp (UWHR)?

The explanation states that a three (3%) stock dividend was paid to shareholders of Uwharrie Capital Corp on 12/01/2025 to shareholders of record as of 11/10/2025.

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

According to the filing, no fractional shares were issued. Instead, shareholders received cash in lieu of fractional shares arising from the three percent stock dividend.

How are R. David Beaver III’s UWHR shares held after the reported transactions?

The filing shows shares held directly and indirectly, including common stock held jointly with his spouse, common stock in an IRA, and common stock held jointly with his mother, with some positions held through Cede & Co. as depository.

What type of SEC form was filed for the UWHR insider transaction?

The transaction was reported on a Form 4, which discloses changes in beneficial ownership of Uwharrie Capital Corp equity securities by an officer of the company.

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Accepted by SEC EDGAR 12/02/2025 - 12:38 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^*

Beaver R David III

(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)
	Chief Risk Officer

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	149	A	$0.00(2)	5,147	D
Common Stock(3)	12/01/2025		J(1)	V	883	A	$0.00(2)	30,324	D
Common Stock(4)	12/01/2025		J(1)	V	115	A	$0.00(2)	3,962	D
Common Stock (Held jointly with Mother)	12/01/2025		J(1)	V	36	A	$0.00(2)	1,268	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.

3. Held by Cede & Co., Depository for Pershing LLC Safekeeper for R. David Beaver, lll & Emily N. Beaver Jt Ten

4. Held by Cede & Co., Depository for IRA FBO R. David Beaver, lll Pershing LLC as Custodian

	R. David Beaver III 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.