Uwharrie Capital Corp (UWHR)
OTHER OTC:UWHR
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Uwharrie Capital
(OTC:UWHR)
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Rating:56Neutral
Price Target:
$11.50
▲(7.48% Upside)
Action:DowngradedDate: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.
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.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
Uwharrie Capital (UWHR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$75.76M
Dividend YieldN/A
Average Volume (3M)518.00
Price to Earnings (P/E)7.3
Beta (1Y)-0.02
Revenue Growth10.72%
EPS Growth9.40%
CountryUS
Employees173
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.41
Shares Outstanding7,160,254
10 Day Avg. Volume70
30 Day Avg. Volume518
Financial Highlights & Ratios
PEG Ratio0.50
Price to Book (P/B)1.22
Price to Sales (P/S)1.15
P/FCF Ratio9.67
Enterprise Value/Market Cap1.21
Enterprise Value/Revenue1.33
Enterprise Value/Gross Profit1.87
Enterprise Value/Ebitda5.73
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 ch...
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...
Uwharrie Capital Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
52
Neutral
Cash Flow
61
Positive
| 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
Positive
10.70
Price Trends
10.80
Negative
10.65
Negative
10.14
Positive
Market Momentum
-0.09
Negative
46.17
Neutral
56.42
Neutral
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 10.7 is above the 20-day moving average (MA) of 10.64, below the 50-day MA of 10.80, and above the 200-day MA of 10.14, indicating a neutral trend. The MACD of -0.09 indicates Negative momentum. The RSI at 46.17 is Neutral, neither overbought nor oversold. The STOCH value of 56.42 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UWHR.
Uwharrie Capital Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $95.68M | 9.36 | 12.15% | 2.18% | 6.17% | -6.13% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $87.69M | 13.56 | 5.80% | 2.08% | 1.03% | -35.72% | |
56 Neutral | $75.76M | 7.35 | 21.04% | ― | 10.72% | 9.40% | |
46 Neutral | $89.02M | -21.37 | -2.76% | 2.88% | 8.02% | 21.36% | |
46 Neutral | $28.10M | -1.41 | -23.19% | 4.10% | 1.63% | -508.72% |
* Financial Sector Average
UWHR
Uwharrie Capital
10.58
2.21
26.40%
BOTJ
Bank Of The Jame Financial
21.06
7.40
54.14%
FUSB
First US Bancshares
15.52
2.87
22.66%
FNWB
First Northwest Bancorp
9.42
-0.86
-8.34%
BAFN
BayFirst Financial Corp
6.84
-7.29
-51.59%
NSTS
NSTS Bancorp
11.76
0.38
3.34%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.