Uwharrie Capital (UWHR) AI Stock Analysis

• Market Cap: $72.53M
• Dividend Yield: N/A
• Average Volume (3M): 518.00
• Price to Earnings (P/E): 7.3
• Beta (1Y): 0.05
• Revenue Growth: 13.52%
• EPS Growth: 22.83%
• Country: US
• Employees: 173
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.38
• Shares Outstanding: 7,011,513
• 10 Day Avg. Volume: 70
• 30 Day Avg. Volume: 518
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.35
• Enterprise Value/Revenue: 1.59
• Enterprise Value/Gross Profit: 2.00
• Enterprise Value/Ebitda: 6.06
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 81 Outperform
• Price Target: $11.50 ▲(9.63% Upside)

Uwharrie Capital's strong financial performance, particularly in revenue growth and profitability, combined with positive technical indicators and an attractive valuation, contribute to a high overall stock score. The main risk is the decline in free cash flow growth, which requires attention to sustain long-term growth.

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 faces challenges in revenue and profitability, which are offset by strong cash flow management and a solid equity position. The absence of debt underpins its financial stability, but the company must address revenue and earnings declines to enhance its growth prospects.

Income Statement

Uwharrie Capital exhibits a volatile revenue trajectory with a significant decrease from $41.18M in 2020 to $9.74M in 2024. The company has struggled with profitability in recent years, marked by a negative net income in 2024, which raises concerns about its operational efficiency and cost management.

Balance Sheet

The company maintains a robust equity position with a debt-free balance sheet in 2024, indicating strong financial stability. However, the declining total assets and an unusual equity figure matching total assets suggest potential anomalies or strategic shifts needing further clarification.

Cash Flow

Uwharrie Capital demonstrates strong cash flow generation capabilities, with a significant improvement in operating cash flow to $14.08M in 2024. The positive free cash flow despite capital expenditures indicates effective cash management, though its sustainability in the face of declining revenues should be monitored.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	61.80M	63.88M	54.25M	40.77M	45.94M	40.32M
Gross Profit	49.20M	44.56M	39.70M	38.71M	44.74M	40.32M
EBITDA	16.20M	15.46M	13.48M	12.79M	15.90M	10.44M
Net Income	10.13M	9.34M	8.03M	7.68M	9.52M	7.54M
Balance Sheet
Total Assets	1.17B	1.13B	1.07B	1.02B	939.68M	827.77M
Cash, Cash Equivalents and Short-Term Investments	351.66M	62.02M	63.43M	439.26M	424.75M	280.38M
Total Debt	29.20M	30.57M	30.48M	30.65M	30.61M	11.70M
Total Liabilities	1.10B	1.07B	1.02B	982.09M	878.89M	768.53M
Stockholders Equity	54.75M	47.02M	38.79M	26.74M	50.13M	48.58M
Cash Flow
Free Cash Flow	8.85M	13.24M	7.54M	30.47M	-4.31M	1.44M
Operating Cash Flow	9.53M	14.08M	9.34M	30.90M	-3.55M	2.16M
Investing Cash Flow	-24.52M	-71.74M	-100.79M	-112.78M	-100.13M	-225.32M
Financing Cash Flow	30.80M	46.49M	40.31M	102.04M	109.22M	156.84M

Uwharrie Capital Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 10.49
• 50DMA: Positive
• 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 Positive. The current price of 10.49 is above the 20-day moving average (MA) of 10.37, above the 50-day MA of 10.23, and above the 200-day MA of 9.25, indicating a bullish trend. The MACD of 0.04 indicates Positive momentum. The RSI at 56.80 is Neutral, neither overbought nor oversold. The STOCH value of 41.92 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UWHR	―	$72.53M	7.29	21.04%	―	13.52%	22.83%
BOTJ	―	$73.74M	10.31	10.73%	2.46%	9.06%	-16.04%
BAFN	―	$38.90M	5.45	8.93%	3.30%	7.07%	96.65%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FUSB	―	$71.53M	12.82	5.99%	2.20%	2.84%	-31.20%
FNWB	―	$76.95M	-7.15	-4.68%	2.96%	10.23%	-110.17%