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Uwharrie Capital (UWHR) Stock Price & Analysis

27 Followers

UWHR Stock Chart & Stats

$13.97$0.00(0.00%)
At close: 4:00 PM EST
$13.5$14Aug 17Aug 24Sep 15Sep 30Oct 14Oct 26Nov 9
Day’s Range
$13.50 - $14.43
52-Week Range
$9.47 - $14.55
Previous Close
$13.97
Volume
N/A
Average Volume (3M)
381
Market Cap
$101.97M
Enterprise Value
$134.47M
Total Cash (Recent Filing)
$385.04M
Total Debt (Recent Filing)
$32.17M
Price to Earnings (P/E)
7.8
Beta
0.06
Next Earnings
Mar 05, 2027 (Est.)
EPS Estimate
N/A
Next Dividend Ex-Date
N/A
Dividend Yield
N/A

Bulls Say, Bears Say

Bulls Say

Revenue And Earnings Growth

Revenue growth combined with an approximately 18% net margin indicates that Uwharrie is expanding while remaining consistently profitable. This provides a durable earnings base for reinvestment, capital strengthening, and continued support of the bank’s community-focused lending and deposit franchise.

Strong Returns And Improved Leverage

High returns on equity alongside materially lower leverage point to more efficient capital use and a stronger balance-sheet position than in 2022. Improved leverage can increase resilience and financial flexibility, although continued discipline remains important for a regional bank.

Supportive Cash Generation

Operating and free cash flow that closely tracks net income suggests recent reported earnings are substantially supported by cash generation. That gives Uwharrie greater capacity to fund operations, absorb normal credit costs, and reinforce capital without relying entirely on external financing.

Bears Say

Margin Compression

Although profitability remains healthy, margins below prior peaks show that Uwharrie is not converting revenue into earnings as strongly as it did in 2021–2022. Persistent compression could reduce earnings growth, limit capital accumulation, and make results more sensitive to changes in banking economics.

Uneven Historical Cash Flow

Recent cash generation is supportive, but negative operating and free cash flow in 2021 and a 2025 decline demonstrate that cash conversion has not been consistently stable. Such variability can complicate internal funding plans and make the durability of earnings-backed cash generation less certain.

Balance-Sheet Variability

The balance sheet has improved overall, yet changing equity levels and the need for ongoing leverage discipline remain structural considerations for Uwharrie. Variability can affect the bank’s ability to absorb credit losses, support loan growth, and preserve flexibility through different operating conditions.

Uwharrie Capital News

UWHR FAQ

What was Uwharrie Capital’s price range in the past 12 months?
Uwharrie Capital lowest stock price was $9.47 and its highest was $14.55 in the past 12 months.
What is Uwharrie Capital’s market cap?
Uwharrie Capital’s market cap is $101.97M.
When is Uwharrie Capital’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Uwharrie Capital’s earnings last quarter?
Uwharrie Capital released its earnings results on Oct 28, 2026. The company reported $0.364 earnings per share for the quarter.
Is Uwharrie Capital overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Uwharrie Capital pay dividends?
Uwharrie Capital does not currently pay dividends.
What is Uwharrie Capital’s EPS estimate?
Uwharrie Capital’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Uwharrie Capital have?
Uwharrie Capital has 6,866,743 shares outstanding.
What happened to Uwharrie Capital’s price movement after its last earnings report?
Uwharrie Capital reported an EPS of $0.364 in its last earnings report. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of Uwharrie Capital?
Currently, no hedge funds are holding shares in UWHR
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology