Uwharrie Capital director acquires shares as board retainer

Uwharrie Capital Corp director Wesley A. Morgan reported acquiring 142 shares of the company’s common stock on 12/15/2025 at $10.50 per share.

Rhea-AI Filing Summary

Uwharrie Capital Corp director Wesley A. Morgan reported acquiring 142 shares of the company’s common stock on 12/15/2025 at $10.50 per share. The shares were received as payment for a portion of his annual retainer for serving on the board of directors.

After this stock-based retainer payment, Morgan directly beneficially owns 8,118 shares of Uwharrie Capital common stock, further tying his compensation to the company’s equity performance.

Insider Trade Summary

Grant/Award: 142 shares

Grant/Award 1 txn

Insider Morgan Wesley A

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) — 8,118 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 Uwharrie Capital Corp (UWHR) disclose?

The filing shows that director Wesley A. Morgan acquired 142 shares of Uwharrie Capital Corp common stock on 12/15/2025 at $10.50 per share.

Who is the insider involved in this Uwharrie Capital (UWHR) Form 4 filing?

The reporting person is Wesley A. Morgan, who serves as a Director of Uwharrie Capital Corp.

Why did Wesley A. Morgan receive 142 Uwharrie Capital shares?

According to the explanation, the 142-share acquisition represents payment for a portion of his Annual Retainer for serving as a Director.

How was the number of Uwharrie Capital (UWHR) shares calculated for this retainer payment?

The number of shares was based on the amount of the Annual Retainer divided by the trading price of the issuer's common stock for this specific payment.

How many Uwharrie Capital shares does Wesley A. Morgan own after this transaction?

Following the transaction, Wesley A. Morgan beneficially owns 8,118 shares of Uwharrie Capital Corp common stock, held directly.

Is Wesley A. Morgan’s ownership in Uwharrie Capital direct or indirect?

The filing reports that the 8,118 shares are held with an ownership form of Direct (D), meaning they are held in his own name rather than indirectly.

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Accepted by SEC EDGAR 12/16/2025 - 02:29 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^*

Morgan Wesley A

(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)	8,118	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.

	Wesley A. Morgan 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.