Uwharrie Capital (UWHR) AI Stock Analysis

• Market Cap: $77.04M
• Dividend Yield: N/A
• Average Volume (3M): 518.00
• Price to Earnings (P/E): 7.3
• Beta (1Y): -0.01
• Revenue Growth: 10.72%
• EPS Growth: 9.40%
• Country: US
• Employees: 173
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.41
• Shares Outstanding: 7,160,254
• 10 Day Avg. Volume: 70
• 30 Day Avg. Volume: 518
• PEG Ratio: 0.50
• Price to Book (P/B): 1.22
• Price to Sales (P/S): 1.15
• P/FCF Ratio: 9.67
• Enterprise Value/Market Cap: 1.21
• Enterprise Value/Revenue: 1.36
• Enterprise Value/Gross Profit: 1.90
• Enterprise Value/Ebitda: 5.85
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 56 Neutral
• Price Target: $11.50 ▲(7.48% Upside)
• Action: Downgraded Date: 03/06/26
• Date: Action: Downgraded 03/06/26

The score is primarily held back by financial performance uncertainty driven by the sharp 2025 revenue/profit discontinuity and data inconsistencies versus 2020–2024. Technicals provide a modest offset with price above key moving averages and neutral momentum. Valuation contributes less due to missing/invalid P/E and dividend yield data.

Positive Factors

Historic profitability / strong ROE

Sustained high ROE through 2020–2024 indicates efficient capital use and a profitable core banking franchise. That historical profitability supports internal capital generation, dividend capacity and reinvestment into lending, bolstering durable earnings potential absent structural shocks.

Multi-year positive free cash flow

Several consecutive years of positive free cash flow provide a durable buffer for operations, loan originations and regulatory capital needs. Reliable cash generation enhances financial flexibility, reducing dependence on wholesale funding over the 2–6 month horizon.

Community banking business model

A relationship-driven community bank model generates sticky core deposits and fee income from local customers. That diversified mix—interest on loans plus deposit and transaction fees—supports stable net interest margins and revenue resilience in normal market cycles.

Negative Factors

2025 revenue and profit discontinuity

An abrupt 2025 revenue collapse and zero reported profits materially reduce visibility into earnings trajectory. Whether due to operational deterioration or reporting issues, this discontinuity raises medium-term forecasting risk and weakens confidence in prior growth momentum.

Balance sheet data inconsistency

The 2025 balance sheet anomaly (no reported debt, equity equal to assets) undermines comparability and obscures true leverage. This hampers assessment of capital adequacy and funding structure, increasing uncertainty around regulatory ratios and lending capacity over coming months.

Cash flow volatility and reporting mismatch

Historic cash-flow volatility plus a 2025 mismatch (positive cash flow but zero net income) raises questions on earnings quality and accounting consistency. This weakens reliance on current cash metrics for sustainable dividend or lending forecasts until reconciled.

Uwharrie Capital Business Overview & Revenue Model

Company Description

Uwharrie Capital Corp operates as the bank holding company for Uwharrie Bank that provides retail and commercial banking services to individuals and small to medium-sized businesses in North Carolina. The company accepts personal and commercial checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. It also offers various loan products, such as commercial loans and various consumer-type loans to individuals, including installment and mortgage loans, equity lines of credit, and overdraft checking credit. In addition, the company provides internet, mobile, and telephone banking services, as well as check and credit cards; and sells various insurance products comprising annuities, life and disability insurance, long-term care, and Medicare supplements. Further, it operates as a securities broker-dealer and a mortgage brokerage company. Additionally, the company provides portfolio management services to customers in the Charlotte Metropolitan and Uwharrie Lakes Regions. The company was incorporated in 1993 and is based in Albemarle, North Carolina.

How the Company Makes Money

Uwharrie Capital generates revenue primarily through interest income from loans, service fees, and investment income. The main revenue streams include interest earned on consumer and commercial loans, which form a significant portion of the bank's earnings. Additionally, the company earns money from fees associated with deposit accounts, transaction services, and other banking products. Uwharrie Capital may also engage in wealth management and investment services, contributing to its overall revenue. Strategic partnerships with local businesses and community organizations further enhance its customer base and revenue potential, as they help to promote its services within the community.

Uwharrie Capital Financial Statement Overview

Summary

2020–2024 fundamentals were solid (healthy net margins, strong ROE, and generally positive free cash flow), but the 2025 annual data shows an abrupt revenue collapse and zeros across profit metrics, plus balance sheet/cash-flow inconsistencies that materially raise confidence and trajectory risk.

Income Statement

From 2020–2024, the company showed solid profitability with healthy net margins (roughly mid-teens to ~21%) and strong operating profitability, alongside good revenue growth in 2023–2024. However, 2025 annual results show a sharp revenue decline (down ~83%) and zero reported profit metrics, creating a major near-term uncertainty and materially weakening the earnings trajectory versus the prior trend.

Balance Sheet

Leverage looked reasonable in 2020–2024 with debt-to-equity generally in the ~0.6–0.8 range (though it spiked above 1.1 in 2022), and returns on equity were strong (~19–29%) through 2024. The 2025 annual balance sheet reports zero debt and a large equity base equal to total assets, which is inconsistent with prior years and makes year-to-year comparability difficult; this data discontinuity is the primary negative, despite the apparent improvement in leverage.

Cash Flow

Cash generation was generally positive with strong free cash flow in 2022–2024, including a major rebound in 2022 and continued positive levels in 2023–2024. That said, cash flow has been volatile (notably negative operating and free cash flow in 2021), and 2025 shows cash flow remaining positive while net income is reported as zero—suggesting either reporting gaps or a mismatch that reduces confidence in cash earnings quality for the most recent year.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	69.08M	63.88M	54.25M	40.77M	45.37M
Gross Profit	49.38M	44.56M	39.70M	38.71M	44.74M
EBITDA	16.07M	15.46M	13.48M	12.79M	15.90M
Net Income	10.79M	9.34M	8.03M	7.68M	9.52M
Balance Sheet
Total Assets	1.20B	1.13B	1.07B	1.02B	939.68M
Cash, Cash Equivalents and Short-Term Investments	106.00K	62.02M	400.15M	439.26M	424.75M
Total Debt	29.84M	30.57M	30.48M	30.65M	30.61M
Total Liabilities	1.12B	1.07B	1.02B	982.09M	878.89M
Stockholders Equity	64.90M	47.02M	38.79M	26.74M	50.13M
Cash Flow
Free Cash Flow	8.20M	13.24M	7.54M	30.47M	-4.31M
Operating Cash Flow	9.86M	14.08M	9.34M	30.90M	-3.55M
Investing Cash Flow	-36.11M	-71.74M	-100.79M	-112.78M	-100.13M
Financing Cash Flow	47.32M	46.49M	40.31M	102.04M	109.22M

Uwharrie Capital Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 10.70
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UWHR, the sentiment is Neutral. The current price of 10.7 is below the 20-day moving average (MA) of 10.93, below the 50-day MA of 10.83, and above the 200-day MA of 10.03, indicating a neutral trend. The MACD of 0.01 indicates Positive momentum. The RSI at 43.74 is Neutral, neither overbought nor oversold. The STOCH value of 33.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for UWHR.

Uwharrie Capital Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	73 Outperform	$95.14M	9.36	12.15%	2.18%	6.17%	-6.13%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FUSB	65 Neutral	$84.58M	13.56	5.80%	2.08%	1.03%	-35.72%
UWHR	56 Neutral	$77.04M	7.35	21.04%	―	10.72%	9.40%
BAFN	48 Neutral	$23.06M	-1.41	-23.19%	4.10%	1.63%	-508.72%
FNWB	46 Neutral	$84.11M	-21.37	-2.76%	2.88%	8.02%	21.36%