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Uwharrie Capital
(OTC:UWHR)
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Rating:71Outperform
Price Target:
$15.50
▲(7.71% Upside)
Action:Reiterated
Date:10/21/26
The score is driven primarily by constructive financial performance (improving margins, healthy ROE, and better leverage) and an attractive low P/E valuation. These positives are tempered by weaker near-term technicals (below 20D/50D with negative MACD) and cash flow consistency risk (historical volatility and only moderate earnings-to-cash conversion).
Positive Factors
Improving profitability
Uwharrie is converting recent revenue growth into stronger profitability, with both net and EBIT margins improving year over year. Higher operating profitability can support capital retention, strengthen resilience through business cycles, and provide more resources for ongoing community-bank operations.
Negative Factors
Volatile cash-flow consistency
Uneven cash generation means reported earnings do not consistently translate into available cash, which can constrain flexibility during weaker periods. Historical negative cash flow and only partial TTM earnings conversion make internal funding less dependable than the current profit figures alone suggest.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability
Uwharrie is converting recent revenue growth into stronger profitability, with both net and EBIT margins improving year over year. Higher operating profitability can support capital retention, strengthen resilience through business cycles, and provide more resources for ongoing community-bank operations.
Read all positive factors
Uwharrie Capital (UWHR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$102.01M
Dividend YieldN/A
Average Volume (3M)5.42K
Price to Earnings (P/E)8.2
Beta (1Y)0.01
Revenue Growth5.13%
EPS Growth26.11%
CountryUS
Employees176
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.75
Shares Outstanding7,089,015
10 Day Avg. Volume793
30 Day Avg. Volume5,422
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 Cap1.11
Enterprise Value/Revenue1.57
Enterprise Value/Gross Profit2.13
Enterprise Value/Ebitda5.87
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 primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income, while managing operating costs and credit losses.
1) Net interest income (core revenue driver)
- Inter...
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 | 19.30M | 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
14.28
Positive
13.41
Positive
12.20
Positive
Market Momentum
-0.03
Positive
52.91
Neutral
60.73
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 14.24, above the 50-day MA of 14.28, and above the 200-day MA of 12.20, indicating a bullish trend. The MACD of -0.03 indicates Positive momentum. The RSI at 52.91 is Neutral, neither overbought nor oversold. The STOCH value of 60.73 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 |
|---|---|---|---|---|---|---|---|
71 Outperform | $102.01M | 8.22 | 19.17% | ― | 5.13% | 26.11% | |
69 Neutral | $90.83M | 11.96 | 7.58% | 1.70% | 3.80% | 43.33% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $81.21M | 9.97 | 11.53% | 6.71% | 6.21% | 8.32% | |
58 Neutral | $106.74M | -26.87 | -1.08% | 2.39% | -7.07% | -307.72% | |
51 Neutral | $106.33M | -4.23 | -7.74% | 3.21% | 10.60% | -935.88% |
* Financial Sector Average
UWHR
Uwharrie Capital
14.39
4.52
45.80%
BYFC
Broadway Financial
11.46
5.25
84.54%
PBHC
Pathfinder Bancorp
17.00
2.37
16.23%
UBCP
United Bancorp
14.16
1.87
15.22%
FUSB
First US Bancshares
16.50
4.18
33.89%
FDSB
Fifth District Bancorp, Inc.
17.58
4.23
31.75%
Uwharrie Capital Corporate Events
Dividends
Uwharrie Capital Declares 3% Common Stock Dividend
Positive
Oct 21, 2026
On October 20, 2026, Uwharrie Capital Corp’s board declared a 3% common stock dividend, with the shares scheduled to be distributed on November 23, 2026 to shareholders of record as of November 5, 2026. The dividend will be delivered electro...
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.