Uwharrie Capital Corp (UWHR)
OTHER OTC:UWHR
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UWHR Stock Chart & Stats
$10.70
$0.00(0.00%)
At close: 4:00 PM EST
$10.70
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$8.71 - $11.75
Previous CloseN/A
Volume33.00
Average Volume (3M)518.00
Market Cap
$80.76M
Enterprise Value$101.35M
Total Cash (Recent Filing)$377.38M
Total Debt (Recent Filing)$29.89M
Price to Earnings (P/E)7.0
Beta<0.01
Next EarningsN/A
EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)N/A
Shares Outstanding7,143,379
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 Cap1.26
Enterprise Value/Revenue1.44
Enterprise Value/Gross Profit2.00
Enterprise Value/Ebitda5.89
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
Bulls Say, Bears Say
Bulls Say
Sustained ProfitabilityConsistent TTM margins near 17% and mid-to-high teen ROE indicate durable earnings power for a community bank. This margin profile supports internal capital generation, cushions credit-cycle swings, and underpins steady earnings even if growth moderates.
Improving Leverage And Capital BaseMaterial reduction in debt-to-equity to ~0.44 from >1x reflects improved capital structure and stronger equity cushion. Lower leverage increases resilience to loan losses, enhances regulatory and funding flexibility, and supports prudent balance-sheet growth.
Governance ContinuityShareholder approval of proposals, a full board slate and auditor ratification signal governance stability and investor alignment with strategy. Stable oversight reduces execution risk for multi-quarter initiatives and supports consistent strategic implementation.
Bears Say
Weaker Free Cash Flow ConversionFFlow conversion falling to ~42% of net income and a ~28% TTM decline weakens internal funding for loan growth, capital spending or distributions. Persistent cash volatility increases reliance on external funding and constrains longer-term strategic optionality.
Softening Revenue TrendA modest TTM revenue decline (~2%) signals softer top-line momentum which can erode margin levers over time. For a regional bank, persistent revenue stagnation makes sustaining loan growth, fee income, and reserves coverage more challenging across economic cycles.
Balance-Sheet Flexibility Tied To ProfitabilityWith total debt levels steady, further flexibility depends on continued strong profitability. If earnings compress, leverage metrics could deteriorate quickly, limiting capacity for M&A, lending expansion, or defensive capital actions over the medium term.
Uwharrie Capital News
UWHR FAQ
What was Uwharrie Capital Corp’s price range in the past 12 months?
Uwharrie Capital Corp lowest stock price was $8.71 and its highest was $11.75 in the past 12 months.
What is Uwharrie Capital Corp’s market cap?
Uwharrie Capital Corp’s market cap is $80.76M.
When is Uwharrie Capital Corp’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Uwharrie Capital Corp’s earnings last quarter?
Currently, no data Available
Is Uwharrie Capital Corp overvalued?
According to Wall Street analysts Uwharrie Capital Corp’s price is currently Overvalued.
Does Uwharrie Capital Corp pay dividends?
Uwharrie Capital Corp does not currently pay dividends.
What is Uwharrie Capital Corp’s EPS estimate?
Uwharrie Capital Corp’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Uwharrie Capital Corp have?
Uwharrie Capital Corp has 7,143,379 shares outstanding.
What happened to Uwharrie Capital Corp’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of Uwharrie Capital Corp?
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
Company Description
Uwharrie Capital Corp
Uwharrie Capital Corp functions as the parent entity for Uwharrie Bank, providing a comprehensive array of personal and business banking and financial solutions to individuals and small to medium-sized enterprises across North Carolina. The institution facilitates various deposit accounts, including checking and savings for both consumers and commercial clients, along with money market accounts, certificates of deposit, and individual retirement accounts. It also extends a diverse range of lending facilities, such as business loans and numerous consumer credit products like installment and mortgage loans, home equity lines of credit, and overdraft protection. Beyond traditional banking, Uwharrie offers digital access through internet, mobile, and telephone banking, in addition to providing check and credit cards. The firm further diversifies its services by offering insurance products, encompassing annuities, life and disability coverage, long-term care plans, and Medicare supplements. Moreover, it operates as a securities broker-dealer and a mortgage brokerage. The company also delivers portfolio management services, with a specific focus on clients situated in North Carolina's Charlotte Metropolitan and Uwharrie Lakes Regions. Founded in 1993, Uwharrie Capital Corp is headquartered in Albemarle, North Carolina.
Technical Analysis
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Ownership Overview
Options Prices
Currently, No data available
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