Uwharrie Capital director acquires 142 shares as board retainer

Uwharrie Capital Corp director Mary N. Klauder acquired 142 shares of common stock on 12/15/2025 at $10.5 per share.

Rhea-AI Filing Summary

Uwharrie Capital Corp director Mary N. Klauder acquired 142 shares of common stock on 12/15/2025 at $10.5 per share. The acquisition represents payment for a portion of her Annual Retainer for serving in the capacity of director, rather than a cash payment. After this stock-based retainer payment, she beneficially owns 9,526 shares of Uwharrie Capital Corp common stock held directly.

Insider Trade Summary

Grant/Award: 142 shares

Grant/Award 1 txn

Insider Klauder Mary N

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock (Held by Self)	142	$10.50	$1K

Holdings After Transaction: Common Stock (Held by Self) — 9,526 shares (Direct)

Footnotes (2)

1. F1. This acquisition represents payment for a portion of the reporting person's Annual Retainer for serving in the capacity of Director.
2. F2. 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.

FAQ

What insider transaction did UWHR report in this Form 4?

The report shows that director Mary N. Klauder acquired 142 shares of Uwharrie Capital Corp common stock on 12/15/2025 at $10.5 per share.

Who is the reporting person in the UWHR Form 4 filing and what is their role?

The reporting person is Mary N. Klauder, who is identified as a Director of Uwharrie Capital Corp.

Why did Mary N. Klauder receive 142 shares of Uwharrie Capital Corp (UWHR)?

The filing states that the 142-share acquisition represents payment for a portion of her Annual Retainer for serving as a director of Uwharrie Capital Corp.

How many Uwharrie Capital Corp shares does the director own after this transaction?

Following the reported transaction, Mary N. Klauder beneficially owns 9,526 shares of Uwharrie Capital Corp common stock, held directly.

What price was used to determine the number of shares issued to the UWHR director?

The number of shares was based on dividing the amount of the Annual Retainer being paid by the trading price of $10.5 per share for this specific payment.

Does this UWHR Form 4 report any derivative securities transactions?

No. Table II for derivative securities is blank, indicating no reported acquisitions or dispositions of options, warrants, or other derivative securities in this filing.

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Accepted by SEC EDGAR 12/16/2025 - 02:19 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^*

Klauder Mary N

(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)	9,526	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.

	Mary N. Klauder 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.