Uwharrie Capital (UWHR) AI Stock Analysis

27 Followers

Uwharrie Capital

(Other OTC:UWHR)

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Rating:75Outperform

Price Target:$15.50▲(10.99% Upside)

Action:reiterated

Date:11/11/26

Robust financial performance with accelerating revenue and solid profitability is the primary driver, supported by attractive valuation and price trading above key moving averages; recent stock dividend provides additional positive momentum.

Positive Factors

Revenue and Earnings GrowthRevenue 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.

Negative Factors

Margin CompressionAlthough 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.

Uwharrie Capital (UWHR) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $98.57M
Dividend Yield: ―
Average Volume (3M): 8,910
Price to Earnings (P/E): 7.8
Beta (1Y): 0.06
Revenue Growth: 4.40%
EPS Growth: 27.82%
Country: US
Employees: 176
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 instituti...

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) - Interest...

Uwharrie Capital Financial Statement Overview

Summary

Revenue growth accelerated sharply to nearly 70% in TTM with net margins near 18%; balance sheet stable with assets over $1.23B and moderate debt-to-equity; cash flows turned strongly positive with high conversion to net income.

Income Statement

81Very Positive

Balance Sheet

76Positive

Cash Flow

68Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	72.46M	69.08M	63.88M	54.25M	40.77M	45.37M
Gross Profit	54.02M	49.38M	44.56M	39.70M	38.71M	44.74M
EBITDA	18.84M	16.07M	15.46M	13.48M	12.79M	15.90M
Net Income	12.51M	10.79M	9.34M	8.03M	7.68M	9.52M
Balance Sheet
Total Assets	1.23B	1.20B	1.13B	1.07B	1.02B	939.68M
Cash, Cash Equivalents and Short-Term Investments	385.04M	75.89M	62.02M	400.15M	439.26M	424.75M
Total Debt	32.17M	29.84M	30.57M	30.48M	30.65M	30.61M
Total Liabilities	1.16B	1.12B	1.07B	1.02B	982.09M	878.89M
Stockholders Equity	57.90M	64.90M	47.02M	38.79M	26.74M	50.13M
Cash Flow
Free Cash Flow	11.90M	8.20M	13.24M	7.54M	30.47M	-4.31M
Operating Cash Flow	13.87M	9.86M	14.08M	9.34M	30.90M	-3.55M
Investing Cash Flow	-60.81M	-36.11M	-71.74M	-100.79M	-112.78M	-100.13M
Financing Cash Flow	11.22M	47.32M	46.49M	40.31M	102.04M	109.22M

Uwharrie Capital Technical Analysis

Technical Analysis SentimentPositive

Last Price13.96

Price Trends

50DMA13.87Positive

100DMA13.29Positive

200DMA12.01Positive

Market Momentum

MACD0.03Negative

RSI52.88Neutral

STOCH58.39Neutral

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 13.96 is above the 20-day moving average (MA) of 13.78, above the 50-day MA of 13.87, and above the 200-day MA of 12.01, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 52.88 is Neutral, neither overbought nor oversold. The STOCH value of 58.39 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

UWHR against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UWHR	75Outperform	$101.97M	7.76	19.30%	―	4.40%	27.82%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FUSB	65Neutral	$85.33M	12.21	7.58%	1.66%	3.74%	43.52%
UBCP	59Neutral	$83.11M	10.87	11.35%	6.52%	6.48%	-0.99%
PBHC	58Neutral	$104.85M	-42.33	0.08%	2.38%	-6.61%	-78.36%
BYFC	53Neutral	$108.65M	60.77	-7.74%	―	10.60%	-935.88%

* Financial Sector Average

Performance Comparison

UWHR and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
UWHR	Uwharrie Capital Corp	13.96	4.26	43.85%
BYFC	Broadway Financial	11.62	5.60	93.02%
PBHC	Pathfinder	17.05	2.64	18.29%
UBCP	United Bancorp	14.56	2.50	20.74%
FUSB	First Us Bancshares	16.85	3.69	28.04%
FDSB	Fifth District Bancorp, Inc.	17.72	4.67	35.79%

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 electronically i...

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.

Date of analysis: Nov 11, 2026

Uwharrie Capital AI Stock Analysis