C & F Financial (CFFI) director gets 450-share restricted stock grant

Rhea-AI Filing Summary

C & F Financial Corp director Paul C. Robinson received an award of 450 shares of Common Stock as restricted stock on April 21, 2026. The shares were granted at no cash cost per share. Following this award, his directly held position increased to 19,692 shares.

The total includes shares as of April 21, 2026 that were not previously reported and were acquired through routine purchases under the company’s dividend reinvestment plan.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider ROBINSON PAUL C

Role null

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	450	$0.00	--

Holdings After Transaction: Common Stock — 19,692 shares (Direct, null)

Footnotes (1)

1. C&F Financial Corporation awarded restricted stock to reporting person. Includes shares as of April 21, 2026 not previously reported, which were acquired through routine acquisitions under the issuer's dividend reinvestment plan.

Key Figures

Restricted stock award: 450 shares Award price per share: $0.0000 per share Total shares after transaction: 19,692 shares +1 more

4 metrics

Restricted stock award 450 shares Awarded to director Paul C. Robinson on April 21, 2026

Award price per share $0.0000 per share Stated transaction price for the 450-share restricted stock grant

Total shares after transaction 19,692 shares Direct holdings of Paul C. Robinson following the award

Transaction direction 1 acquisition Form 4 transaction summary shows one acquire-type event

Key Terms

restricted stock, dividend reinvestment plan, Common Stock, Grant, award, or other acquisition

4 terms

restricted stock financial

"C&F Financial Corporation awarded restricted stock to reporting person."

Shares granted to an individual that carry limits on transfer or sale until certain conditions are met, such as staying with the company for a set time or hitting performance targets. Think of them as a locked gift that gradually opens; for investors they matter because they affect how many shares may enter the market later, signal management incentives and potential dilution, and reveal confidence in future company performance.

dividend reinvestment plan financial

"acquired through routine acquisitions under the issuer's dividend reinvestment plan."

A dividend reinvestment plan lets shareholders automatically use cash dividends to buy more shares of the same company instead of receiving the money. It matters to investors because it turns regular payouts into a steady way to grow ownership and take advantage of compound returns—like having your savings automatically buy additional slices of a pie over time—while often reducing transaction costs and smoothing purchase timing.

Common Stock financial

"security_title: "Common Stock" and 450-share award disclosure"

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

Grant, award, or other acquisition financial

"transaction_code_description: "Grant, award, or other acquisition""

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^*

ROBINSON PAUL C

(Last) (First) (Middle)

3600 LA GRANGE PARKWAY

(Street)

TOANO VIRGINIA 23168

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
C & F FINANCIAL CORP [ CFFI ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
04/21/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

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	04/21/2026		A		450	A	$0(1)	19,692(2)	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. C&F Financial Corporation awarded restricted stock to reporting person.

2. Includes shares as of April 21, 2026 not previously reported, which were acquired through routine acquisitions under the issuer's dividend reinvestment plan.

	/s/ Matthew B. Guth, Attorney-in-Fact	04/22/2026
	** 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.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did C & F Financial Corp (CFFI) report for Paul C. Robinson?

C & F Financial Corp reported that director Paul C. Robinson received an award of 450 shares of Common Stock as restricted stock on April 21, 2026. The grant carried a stated price of $0.0000 per share, indicating no cash payment was made for the award.

How many CFFI shares does Paul C. Robinson hold after this Form 4 transaction?

After the reported transaction, Paul C. Robinson directly holds 19,692 shares of C & F Financial Corp Common Stock. This total includes the 450-share restricted stock award and additional shares acquired through routine dividend reinvestment plan purchases that had not been previously reported as of April 21, 2026.

What type of shares were granted to Paul C. Robinson by C & F Financial Corp?

The filing states that C & F Financial Corporation awarded restricted stock to Paul C. Robinson. Restricted stock typically vests over time or under conditions, though specific vesting terms are not described here. The award consisted of 450 shares of Common Stock recorded as a grant, award, or other acquisition.

At what price were the 450 CFFI shares awarded to Paul C. Robinson?

The 450 awarded shares were recorded at a transaction price of $0.0000 per share. This indicates the director did not pay cash for the restricted stock, consistent with an equity award classification, rather than an open-market purchase of C & F Financial Corp shares.

What does the dividend reinvestment plan disclosure mean in the CFFI Form 4?

The footnote explains that the reported total includes shares as of April 21, 2026 previously unreported, acquired through routine transactions under C & F Financial Corp’s dividend reinvestment plan. This means some of Robinson’s holdings came from automatically reinvesting dividends into additional Common Stock over time.

Is this CFFI Form 4 transaction a market buy or a compensation-related award?

The transaction is categorized as a grant, award, or other acquisition with code A, not an open-market purchase. The filing explicitly notes that C & F Financial Corporation awarded restricted stock, indicating a compensation-related equity grant rather than a discretionary buy of CFFI shares on the open market.