Uwharrie Capital (UWHR) AI Stock Analysis

• Market Cap: $75.58M
• Dividend Yield: N/A
• Average Volume (3M): 518.00
• Price to Earnings (P/E): 7.6
• Beta (1Y): 0.08
• Revenue Growth: 10.72%
• EPS Growth: 9.40%
• Country: US
• Employees: 173
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.37
• Shares Outstanding: 7,011,513
• 10 Day Avg. Volume: 70
• 30 Day Avg. Volume: 518
• PEG Ratio: 0.36
• Price to Book (P/B): 1.37
• Price to Sales (P/S): 1.01
• P/FCF Ratio: 4.86
• Enterprise Value/Market Cap: 1.30
• Enterprise Value/Revenue: 1.95
• Enterprise Value/Gross Profit: 2.80
• Enterprise Value/Ebitda: 8.31
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: $11.50 ▲(9.52% Upside)

Uwharrie Capital's strong financial performance and attractive valuation are the primary strengths, while technical indicators suggest a neutral market position. The lack of earnings call data and corporate events does not impact the score.

Positive Factors

Balance Sheet Health

Moderate leverage and a strong equity base provide financial stability and flexibility, enabling Uwharrie Capital to invest in growth opportunities.

Profitability

High profit margins reflect efficient operations and strong pricing power, contributing to sustainable financial performance over time.

Revenue Growth

Consistent revenue growth indicates robust demand for Uwharrie Capital's services, enhancing its market position and supporting long-term profitability.

Negative Factors

Revenue Growth Challenges

A decline in revenue growth may indicate market saturation or increased competition, potentially affecting long-term expansion prospects.

Operating Cash Flow Conversion

Low cash conversion from earnings suggests potential challenges in cash management, which could impact the company's operational flexibility.

Free Cash Flow Decline

Declining free cash flow growth may constrain liquidity and limit the company's ability to fund future investments or return capital to shareholders.

Uwharrie Capital Business Overview & Revenue Model

Company Description

Uwharrie Capital (UWHR) is a financial services holding company based in the United States, primarily engaged in offering banking and financial solutions through its subsidiary, Uwharrie Bank. The company operates in the banking sector, providing a range of services including commercial and consumer banking, mortgage lending, and investment services. Uwharrie Capital focuses on serving individuals and businesses within its regional markets, emphasizing personalized customer service and community involvement.

How the Company Makes Money

Uwharrie Capital generates revenue primarily through interest income from loans and fees associated with various banking services. Key revenue streams include interest earned on commercial and consumer loans, mortgage products, and investment services. Additionally, the company earns non-interest income through service fees, transaction fees, and investment advisory services. Partnerships with local businesses and community organizations also play a significant role in attracting new clients and retaining existing ones, contributing to the overall financial performance of the company.

Uwharrie Capital Financial Statement Overview

Summary

Uwharrie Capital shows strong revenue growth and profitability with efficient operations and a solid balance sheet. However, the decline in free cash flow growth and low operating cash flow conversion are potential risks.

Income Statement

Uwharrie Capital demonstrates strong revenue growth with an 11.7% increase in TTM. The company maintains solid profitability with a gross profit margin of 79.6% and a net profit margin of 16.4%. EBIT and EBITDA margins are healthy at 22.4% and 26.2%, respectively, indicating efficient operations. However, the slight decline in revenue from 2024 to 2025 suggests potential challenges in sustaining growth.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 0.53, indicating moderate leverage. Return on equity is robust at 19.9%, showcasing effective use of equity to generate profits. The equity ratio is not explicitly calculated, but the company's equity base appears strong relative to its assets.

Cash Flow

Cash flow analysis reveals a decrease in free cash flow growth by 26.4%, which could be a concern for liquidity. The operating cash flow to net income ratio is low at 0.009, suggesting limited cash conversion from earnings. However, the free cash flow to net income ratio is strong at 0.93, indicating good cash generation relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	50.38M	63.88M	54.25M	40.77M	45.37M	43.95M
Gross Profit	35.07M	44.56M	39.70M	38.71M	44.74M	39.33M
EBITDA	11.82M	15.46M	13.48M	12.79M	15.90M	13.03M
Net Income	7.23M	9.34M	8.03M	7.68M	9.52M	7.54M
Balance Sheet
Total Assets	1.22B	1.13B	1.07B	1.02B	939.68M	827.77M
Cash, Cash Equivalents and Short-Term Investments	365.69M	62.02M	400.15M	439.26M	424.75M	280.38M
Total Debt	29.22M	30.57M	30.48M	30.65M	30.61M	11.70M
Total Liabilities	1.14B	1.07B	1.02B	982.09M	878.89M	768.53M
Stockholders Equity	60.31M	47.02M	38.79M	26.74M	50.13M	48.58M
Cash Flow
Free Cash Flow	9.51M	13.24M	7.54M	30.47M	-4.31M	1.44M
Operating Cash Flow	13.68M	14.08M	9.34M	30.90M	-3.55M	2.16M
Investing Cash Flow	-49.80M	-71.74M	-100.79M	-112.78M	-100.13M	-225.32M
Financing Cash Flow	23.24M	46.49M	40.31M	102.04M	109.22M	156.84M

Uwharrie Capital Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 10.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UWHR, the sentiment is Positive. The current price of 10.5 is above the 20-day moving average (MA) of 10.21, above the 50-day MA of 10.14, and above the 200-day MA of 9.23, indicating a bullish trend. The MACD of 0.13 indicates Negative momentum. The RSI at 61.25 is Neutral, neither overbought nor oversold. The STOCH value of 100.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UWHR.

Uwharrie Capital Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UWHR	76 Outperform	$75.58M	7.59	21.04%	―	10.72%	9.40%
BOTJ	76 Outperform	$77.28M	9.76	10.86%	2.25%	6.17%	-6.13%
FUSB	73 Outperform	$74.36M	13.91	5.50%	1.98%	1.03%	-35.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FNWB	60 Neutral	$94.34M	-12.07	-4.68%	2.84%	8.02%	21.36%
BAFN	54 Neutral	$35.76M	-2.78	-11.14%	4.00%	1.63%	-508.72%

Uwharrie Capital Corporate Events

Uwharrie Capital Declares 3% Stock Dividend

On October 28, 2025, Uwharrie Capital Corp’s Board of Directors declared a 3% stock dividend to be paid to common stock shareholders on December 1, 2025. The company reported consolidated total assets of $1.22 billion as of September 30, 2025, and a net income of $8.3 million for the nine-month period ending on the same date, reflecting a slight increase from the previous year. This announcement indicates a stable financial performance and a commitment to rewarding shareholders, potentially enhancing Uwharrie’s market positioning.

The most recent analyst rating on (UWHR) stock is a Buy with a $11.50 price target. To see the full list of analyst forecasts on Uwharrie Capital stock, see the UWHR Stock Forecast page.