Uwharrie Capital (UWHR) AI Stock Analysis

Uwharrie Capital

(Other OTC:UWHR)

Select Model

Rating:77Outperform

Price Target:$16.00▲(11.19% Upside)

Action:reiterated

Date:10/21/26

Robust financial performance and attractive low P/E valuation are the main positives, with the recent stock dividend adding support; technicals remain neutral amid short-term consolidation.

Positive Factors

Improving profitabilityUwharrie 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 consistencyUneven 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.

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

Market Cap: $102.01M
Dividend Yield: ―
Average Volume (3M): 7,142
Price to Earnings (P/E): 8.2
Beta (1Y): 0.01
Revenue Growth: 5.13%
EPS Growth: 26.11%
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

Strong across income (84), balance sheet (89), and cash flow (76) metrics, with growing revenues, low leverage, and robust free cash flow.

Income Statement

84Very Positive

Balance Sheet

89Very Positive

Cash Flow

76Positive

Financial statement breakdown
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

Technical Analysis SentimentPositive

Last Price14.39

Price Trends

50DMA14.28Positive

100DMA13.41Positive

200DMA12.20Positive

Market Momentum

MACD-0.03Positive

RSI52.91Neutral

STOCH60.73Neutral

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

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	77Outperform	$102.01M	8.22	19.17%	―	5.13%	26.11%
FUSB	73Outperform	$90.83M	11.96	7.58%	1.70%	3.80%	43.33%
UBCP	69Neutral	$81.21M	9.97	11.53%	6.71%	6.21%	8.32%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PBHC	58Neutral	$106.74M	-26.87	-1.08%	2.39%	-7.07%	-307.72%
BYFC	51Neutral	$106.33M	-4.23	-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	14.39	4.54	46.09%
BYFC	Broadway Financial	11.46	5.06	79.06%
PBHC	Pathfinder	17.00	2.32	15.77%
UBCP	United Bancorp	14.16	1.86	15.09%
FUSB	First Us Bancshares	16.50	3.49	26.82%
FDSB	Fifth District Bancorp, Inc.	17.57	4.24	31.85%

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 electronic...

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: Oct 21, 2026

Uwharrie Capital AI Stock Analysis