Uwharrie Capital (UWHR) director receives 142 shares as board retainer

Rhea-AI Filing Summary

Uwharrie Capital Corp director Vanessa O. Chambers reported an acquisition of company stock in her capacity as a board member. On 12/15/2025, she acquired 142 shares of Uwharrie Capital common stock, held jointly with her spouse, at a price of $10.5 per share.

The filing explains that these shares represent payment for a portion of her Annual Retainer for serving as a director, with the number of shares based on the retainer amount divided by the trading price of the stock for this payment. Following this transaction, she beneficially owns 2,594 shares of Uwharrie Capital common stock, reported as directly owned.

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

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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^*

Chambers Vanessa O

(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 jointly with Spouse)	12/15/2025		A(1)		142	A	$10.5(2)	2,594	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.

	Vanessa O. Chambers 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.

FAQ

What insider transaction did Uwharrie Capital (UWHR) report in this Form 4?

The filing reports that director Vanessa O. Chambers acquired 142 shares of Uwharrie Capital Corp common stock on 12/15/2025, held jointly with her spouse.

How many Uwharrie Capital (UWHR) shares did the director acquire and at what price?

Vanessa O. Chambers acquired 142 shares of Uwharrie Capital common stock at a price of $10.5 per share, according to the transaction detail.

What is the reason for the share acquisition reported for Uwharrie Capital (UWHR)?

The filing states that the acquisition represents payment for a portion of the reporting person's Annual Retainer for serving as a director, with the number of shares based on the retainer amount divided by the trading price of the stock.

How many Uwharrie Capital (UWHR) shares does the director own after this transaction?

After the reported transaction, Vanessa O. Chambers beneficially owns 2,594 shares of Uwharrie Capital common stock, shown as direct ownership and held jointly with her spouse.

Is the Uwharrie Capital (UWHR) director a 10% owner based on this filing?

The relationship section shows the box checked for Director, and the 10% Owner box is not indicated as checked in the excerpt.

How is the Uwharrie Capital (UWHR) director’s ownership reported in this Form 4?

The Ownership Form column lists the holding as Direct (D), with the shares described as Common Stock (Held jointly with Spouse).