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

Rhea-AI Filing Summary

Uwharrie Capital Corp insider Christy D. Stoner reported additional share ownership from a stock dividend. As President & CEO of UIA and CMO of UCC, Stoner disclosed multiple acquisitions of Uwharrie Capital Corp common stock on 12/01/2025, all coded as transaction type J and priced at $0.00 per share because they resulted from a stock dividend rather than open-market purchases.

The filing shows 383 shares added to an account held by Stoner, 1,001 shares added to another directly held account, 151 shares added to an account held by a daughter for whom Stoner is attorney-in-fact, and 124 shares added to an IRA rollover account. These transactions increased beneficial ownership in these accounts to 13,175, 34,390, 5,215, and 4,285 shares, respectively. The explanation notes that all shares came from a three percent stock dividend paid on 12/01/2025 to shareholders of record on 11/10/2025, with cash paid in lieu of fractional shares.

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

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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^*

STONER CHRISTY D

(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)
	President & CEO UIA & CMO UCC

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)	12/01/2025		J(1)	V	383	A	$0.00(2)	13,175	D
Common Stock(3)	12/01/2025		J(1)	V	1,001	A	$0.00(2)	34,390	D
Common Stock(4)	12/01/2025		J(1)	V	151	A	$0.00(2)	5,215	I	By Daughter Soley With Reporting Person as Attorney-in-Fact
Common Stock(5)	12/01/2025		J(1)	V	124	A	$0.00(2)	4,285	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 Christy D. Stoner

4. Held by Cede & Co., Depository for Pershing, LLC Safekeeper for Daughter of Reporting Person Soley (Reporting Person Attorney-in-Fact for Daughter)

5. Held by Cede & Co., Depository for IRA FBO Christy Davis Stoner Pershing LLC As Custodian Rollover Account

	Christy D. Stoner 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.
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FAQ

What insider transaction did Uwharrie Capital Corp (UWHR) report for Christy D. Stoner?

The company reported that Christy D. Stoner, an officer serving as President & CEO of UIA and CMO of Uwharrie Capital Corp, acquired additional shares of Uwharrie Capital Corp common stock on 12/01/2025. The acquisitions were reported on a Form 4 and resulted from a stock dividend rather than market purchases.

How many Uwharrie Capital Corp (UWHR) shares did Christy D. Stoner acquire in this Form 4?

The Form 4 shows several separate acquisitions on 12/01/2025: 383 shares of common stock in one directly held account, 1,001 shares of common stock in another directly held account, 151 shares in an account held by Stoner's daughter with Stoner as attorney-in-fact, and 124 shares in an IRA rollover account.

What is Christy D. Stoners total beneficial ownership after the reported UWHR transactions?

After the stock dividend transactions, beneficial ownership reported includes 13,175 shares in one direct account, 34,390 shares in another direct account, 5,215 shares in an account for Stoner's daughter with Stoner as attorney-in-fact, and 4,285 shares in an IRA rollover account.

What was the nature and pricing of the Uwharrie Capital Corp (UWHR) stock received?

All reported shares were acquired at a stated price of $0.00 per share. The explanation clarifies that no money was paid by the shareholder for these shares; they were issued as part of a three (3%) stock dividend paid to shareholders of Uwharrie Capital Corp on 12/01/2025 to holders of record on 11/10/2025.

How was the 3% Uwharrie Capital Corp (UWHR) stock dividend described?

The filing states that the shares were acquired as a result of a three (3%) stock dividend paid to shareholders on 12/01/2025, based on a record date of 11/10/2025. It also notes that no fractional shares were issued and that shareholders received cash in lieu of fractional shares.

How are Christy D. Stoners indirect holdings in Uwharrie Capital Corp (UWHR) structured?

The explanation notes that certain holdings are maintained through Cede & Co., as depository for Pershing, LLC. One account is identified as safekeeping for Christy D. Stoner, another for the daughter of the reporting person with Stoner as attorney-in-fact, and another for an IRA rollover account for Stoner.