Uwharrie Capital (UWHR) officer reports new shares from 3% stock dividend

Rhea-AI Filing Summary

Uwharrie Capital Corp reported an insider share increase tied to its recent stock dividend. Chief Credit Officer Cheryl P. Rinehardt received additional common shares on 12/01/2025 through a 3% stock dividend paid to shareholders of record as of 11/10/2025. The filing shows 74 shares added to an account held by her with transfer-on-death to her son, bringing that position to 2,570 shares, and 55 shares added to an IRA account held through Cede & Co., bringing that position to 1,906 shares.

No cash was paid by the shareholder for these acquired shares, and any fractional share amounts from the dividend were settled in cash rather than issuing fractional shares.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Rinehardt Cheryl P

Role Chief Credit Officer

Type	Security	Shares	Price	Value
Other	Common Stock (Held by Self TOD Son)	74	$0.00	--
Other	Common Stock	55	$0.00	--

Holdings After Transaction: Common Stock (Held by Self TOD Son) — 2,570 shares (Direct); Common Stock — 1,906 shares (Direct)

Footnotes (1)

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. 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. Held by Cede & Co., Depository for IRA FBO Cheryl P. Rinehardt Pershing LLC As Custodian

Form 4 Insider Transactions: What Each Field Means →

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^*

Rinehardt Cheryl P

(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 Credit 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 by Self TOD Son)	12/01/2025		J(1)	V	74	A	$0.00(2)	2,570	D
Common Stock(3)	12/01/2025		J(1)	V	55	A	$0.00(2)	1,906	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 IRA FBO Cheryl P. Rinehardt Pershing LLC As Custodian

	Cheryl P. Rinehardt 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) disclose?

The company disclosed that Chief Credit Officer Cheryl P. Rinehardt acquired additional common shares on 12/01/2025 as part of a 3% stock dividend to shareholders.

How many Uwharrie Capital (UWHR) shares did the officer receive in the stock dividend?

The filing shows that 74 shares were added to an account held by her with TOD to her son, and 55 shares were added to an IRA account, for a total of 129 additional shares from the dividend.

Did the Uwharrie Capital (UWHR) officer pay for the new shares received?

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

What are Cheryl P. Rinehardt’s reported Uwharrie Capital (UWHR) holdings after the transaction?

After the dividend, one account titled "Common Stock (Held by Self TOD Son)" holds 2,570 shares, and a separate IRA account described as held by Cede & Co. for her benefit holds 1,906 shares, both reported as directly owned.

What was the record date and payment date for Uwharrie Capital’s 3% stock dividend?

The 3% stock dividend was paid on 12/01/2025 to shareholders of record as of 11/10/2025, according to the disclosure.

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

The company did not issue fractional shares for the dividend. Instead, shareholders were paid cash in lieu of fractional shares.