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Uwharrie Capital
(OTC:UWHR)
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Rating:77Outperform
Price Target:
$17.00
▲(18.14% Upside)
Action:Upgraded
Date:08/18/26
The score is driven primarily by solid and improving financial performance (better profitability and leverage/ROE), supported by strong technical uptrend and constructive momentum. Valuation is also a positive with a low P/E, while cash flow variability and limited impact from recent corporate governance events keep the score from being higher.
Positive Factors
Improving Profitability
Higher revenue and expanding net and EBIT margins indicate stronger operating profitability. Sustained margin improvement can support earnings growth and provide resilience if the community-banking environment becomes less favorable.
Negative Factors
Volatile Cash Conversion
Historical cash-flow swings and only partial conversion of accounting earnings into free cash flow reduce visibility into internally generated liquidity. This may constrain flexibility during periods of loan growth or higher funding needs.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Profitability
Higher revenue and expanding net and EBIT margins indicate stronger operating profitability. Sustained margin improvement can support earnings growth and provide resilience if the community-banking environment becomes less favorable.
Read all positive factors
Uwharrie Capital (UWHR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$101.05M
Dividend YieldN/A
Average Volume (3M)692.00
Price to Earnings (P/E)8.0
Beta (1Y)-0.01
Revenue Growth5.13%
EPS Growth26.11%
CountryUS
Employees176
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding7,089,015
10 Day Avg. Volume41
30 Day Avg. Volume692
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 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 instit...
How the Company Makes Money
Uwharrie Capital generally earns revenue through its banking subsidiary primarily from (1) net interest income and (2) noninterest income. Net interest income is generated by charging interest on loans (e.g., commercial real estate, commercial and...
Uwharrie Capital Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 71.96M | 69.08M | 63.88M | 54.25M | 40.77M | 45.37M |
| Gross Profit | 53.07M | 49.38M | 44.56M | 39.70M | 38.71M | 44.74M |
| EBITDA | 18.29M | 16.07M | 15.46M | 13.48M | 12.79M | 15.90M |
| Net Income | 12.54M | 10.79M | 9.34M | 8.03M | 7.68M | 9.52M |
Balance Sheet | ||||||
| Total Assets | 1.22B | 1.20B | 1.13B | 1.07B | 1.02B | 939.68M |
| Cash, Cash Equivalents and Short-Term Investments | 370.39M | 75.89M | 62.02M | 400.15M | 439.26M | 424.75M |
| Total Debt | 30.09M | 29.84M | 30.57M | 30.48M | 30.65M | 30.61M |
| Total Liabilities | 1.14B | 1.12B | 1.07B | 1.02B | 982.09M | 878.89M |
| Stockholders Equity | 70.41M | 64.90M | 47.02M | 38.79M | 26.74M | 50.13M |
Cash Flow | ||||||
| Free Cash Flow | 10.18M | 8.20M | 13.24M | 7.54M | 30.47M | -4.31M |
| Operating Cash Flow | 15.17M | 9.86M | 14.08M | 9.34M | 30.90M | -3.55M |
| Investing Cash Flow | -31.52M | -36.11M | -71.74M | -100.79M | -112.78M | -100.13M |
| Financing Cash Flow | 34.79M | 47.32M | 46.49M | 40.31M | 102.04M | 109.22M |
Uwharrie Capital Technical Analysis
Positive
14.39
Price Trends
13.32
Positive
12.36
Positive
11.54
Positive
Market Momentum
0.24
Positive
55.77
Neutral
41.32
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 14.39 is above the 20-day moving average (MA) of 14.22, above the 50-day MA of 13.32, and above the 200-day MA of 11.54, indicating a bullish trend. The MACD of 0.24 indicates Positive momentum. The RSI at 55.77 is Neutral, neither overbought nor oversold. The STOCH value of 41.32 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $101.05M | 8.00 | 19.17% | ― | 5.13% | 26.11% | |
68 Neutral | $90.61M | 12.59 | 7.41% | 1.70% | 3.83% | 33.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $89.85M | 11.07 | 11.53% | 6.04% | 6.21% | 8.32% | |
56 Neutral | $107.99M | -27.20 | -1.08% | 2.32% | -7.07% | -307.72% | |
51 Neutral | $110.18M | -4.37 | -7.74% | 3.21% | 10.60% | -935.88% |
* Financial Sector Average
UWHR
Uwharrie Capital
14.26
4.39
44.43%
BYFC
Broadway Financial
11.85
4.41
59.27%
PBHC
Pathfinder Bancorp
17.21
2.63
18.05%
UBCP
United Bancorp
15.72
2.54
19.30%
FUSB
First US Bancshares
16.99
5.21
44.18%
FDSB
Fifth District Bancorp, Inc.
18.52
4.60
33.05%
Uwharrie Capital Corporate Events
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
Uwharrie Capital Shareholders Approve Proposals and Board Slate
Positive
May 20, 2026
At its Annual Meeting of Shareholders held on May 19, 2026, Uwharrie Capital Corp saw investors approve all four proposals on the ballot, reaffirming support for the company’s governance and strategy. Shareholders elected seven directors to ...
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.