UWHR
Uwharrie Capital Corp
Price Chart
Latest Quote
$11.17
+0.01 (+0.09%)
Current Price
| Previous Close | $11.16 |
| Open | $11.21 |
| Day High | $11.21 |
| Day Low | $11.16 |
| Volume | 700 |
Stock Information
| Shares Outstanding | 7.14M |
| Total Debt | $29.91M |
| Cash Equivalents | $117.43M |
| Revenue | $50.97M |
| Net Income | $11.45M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $79.79M |
| P/E Ratio | 7.03 |
| EPS (TTM) | $1.59 |
| Exchange | OQX |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $2.93M |
| Sales | $50.97M |
| Income | $11.45M |
| Book/sh | $9.04 |
| Cash/sh | $16.44 |
| Employees | 176 |
Financial Ratios
| EPS Growth TTM | 27.40% |
Returns & Margins
| ROA | 1.00% |
| ROE | 17.29% |
| Operating Margin | 36.30% |
| Profit Margin | 22.47% |
Ownership
| Insider Ownership | 8.81% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 1.57 |
| P/B | 1.23 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $11.49 |
| SMA50 | $11.09 |
| SMA200 | $10.54 |
| RSI | 22.11 |
| ATR | 0.0943 |
| Shares Float | 6.31M |
| Volatility | 0.12 |
| Rel Volume | 0.63 |
Performance History
| Week | -1.15% |
| Month | -2.02% |
| Quarter | +3.81% |
| 6 Months | +6.38% |
| YTD | +6.38% |
| Year | +23.71% |
| 3 Years | +64.36% |
| 5 Years | +61.80% |
| 10 Years | +180.67% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-03 | $11.17 | 1,200 |
| 2026-06-02 | $11.16 | 1,500 |
| 2026-06-01 | $11.48 | 0 |
| 2026-05-29 | $11.48 | 1,900 |
| 2026-05-28 | $11.50 | 300 |
| 2026-05-27 | $11.30 | 0 |
| 2026-05-26 | $11.30 | 900 |
| 2026-05-22 | $11.30 | 0 |
| 2026-05-21 | $11.30 | 0 |
| 2026-05-20 | $11.30 | 0 |
| 2026-05-19 | $11.30 | 3,300 |
| 2026-05-18 | $11.70 | 0 |
| 2026-05-15 | $11.70 | 0 |
| 2026-05-14 | $11.70 | 0 |
| 2026-05-13 | $11.70 | 0 |
| 2026-05-12 | $11.70 | 0 |
| 2026-05-11 | $11.70 | 0 |
| 2026-05-08 | $11.70 | 28,300 |
| 2026-05-07 | $11.70 | 100 |
| 2026-05-06 | $11.65 | 600 |
| 2026-05-05 | $11.65 | 500 |
| 2026-05-04 | $11.40 | 200 |
About Uwharrie Capital Corp
Uwharrie Capital Corp operates as the bank holding company for Uwharrie Bank that provides commercial banking services to individuals and small to medium-sized businesses in North Carolina. It accepts personal and commercial checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. The company's loan portfolio comprises commercial loans and various consumer-type loans to individuals, including installment and mortgage loans, equity lines of credit, and overdraft checking credit. It also provides internet, mobile, and telephone banking services, as well as check and credit cards; and sells various insurance products comprising fixed annuities, life and disability insurance, long-term care products, and Medicare supplements. In addition, the company offers securities broker-dealer and mortgage brokerage services. Further, it provides trustee and portfolio management; and advisory services to customers in the Charlotte Metropolitan and Uwharrie Lakes Regions. Uwharrie Capital Corp was founded in 1983 and is headquartered in Albemarle, North Carolina.
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $45,077,000 | $41,226,000 | $36,953,000 | $43,825,000 |
| Operating Revenue | $45,077,000 | $41,226,000 | $36,953,000 | $43,825,000 |
| Expenses | ||||
| Interest Expense | $18,798,000 | $13,023,000 | $3,822,000 | $1,542,000 |
| Selling And Marketing Expense | $1,499,000 | $1,298,000 | $1,307,000 | $1,306,000 |
| General And Administrative Expense | $21,953,000 | $20,402,000 | $20,543,000 | $22,378,000 |
| Professional Expense And Contract Services Expense | $1,079,000 | $964,000 | $868,000 | $955,000 |
| Other Non Interest Expense | $3,280,000 | $2,451,000 | $2,359,000 | $3,385,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $9,342,000 | $8,031,000 | $7,684,000 | $9,518,000 |
| Net Interest Income | $35,925,000 | $32,696,000 | $27,740,000 | $26,089,000 |
| Interest Income | $54,723,000 | $45,719,000 | $31,562,000 | $27,631,000 |
| Normalized Income | $9,342,000 | $8,031,000 | $7,684,000 | $9,518,000 |
| Net Income From Continuing And Discontinued Operation | $9,342,000 | $8,031,000 | $7,684,000 | $9,518,000 |
| Net Income Common Stockholders | $9,342,000 | $8,031,000 | $7,684,000 | $9,518,000 |
| Net Income | $9,342,000 | $8,031,000 | $7,684,000 | $9,518,000 |
| Net Income Including Noncontrolling Interests | $9,908,000 | $8,596,000 | $8,249,000 | $10,083,000 |
| Net Income Continuous Operations | $9,908,000 | $8,596,000 | $8,249,000 | $10,083,000 |
| Pretax Income | $12,759,000 | $10,764,000 | $9,954,000 | $12,846,000 |
| Depreciation Amortization Depletion Income Statement | $1,349,000 | $1,247,000 | $1,236,000 | $1,380,000 |
| Depreciation And Amortization In Income Statement | $1,349,000 | $1,247,000 | $1,236,000 | $1,380,000 |
| Amortization Of Intangibles Income Statement | $1,349,000 | $1,247,000 | $1,236,000 | $1,380,000 |
| Per Share | ||||
| Diluted EPS | $1.26 | $1.04 | $0.99 | $1.21 |
| Basic EPS | $1.26 | $1.04 | $0.99 | $1.21 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $2,704,000 | $2,715,000 | $2,834,000 | $3,051,000 |
| Diluted Average Shares | $7,403,666 | $7,712,923 | $7,765,811 | $7,885,871 |
| Basic Average Shares | $7,403,666 | $7,712,923 | $7,765,811 | $7,885,871 |
| Diluted NI Availto Com Stockholders | $9,342,000 | $8,031,000 | $7,684,000 | $9,518,000 |
| Minority Interests | $-566,000 | $-565,000 | $-565,000 | $-565,000 |
| Tax Provision | $2,851,000 | $2,168,000 | $1,705,000 | $2,763,000 |
| Gain On Sale Of Security | $-128,000 | $-17,000 | $-191,000 | $960,000 |
| Amortization | $1,349,000 | $1,247,000 | $1,236,000 | $1,380,000 |
| Selling General And Administration | $23,452,000 | $21,700,000 | $21,850,000 | $23,684,000 |
| Insurance And Claims | $712,000 | $626,000 | $415,000 | $314,000 |
| Salaries And Wages | $21,241,000 | $19,776,000 | $20,128,000 | $22,064,000 |
| Occupancy And Equipment | $2,642,000 | $2,571,000 | $2,445,000 | $2,492,000 |
| Total Unusual Items | - | - | - | $48,000 |
| Total Unusual Items Excluding Goodwill | - | - | - | $48,000 |
| Other Gand A | - | - | - | $1,722,000 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $47,024,000 | $38,786,000 | $26,742,000 | $50,132,000 |
| Total Assets | $1,128,808,000 | $1,072,591,000 | $1,019,490,000 | $939,680,000 |
| Prepaid Assets | $1,359,000 | $1,421,000 | - | $968,000 |
| Receivables | $4,355,000 | $4,393,000 | $3,633,000 | $2,554,000 |
| Accounts Receivable | $4,355,000 | $4,393,000 | $3,633,000 | $2,554,000 |
| Cash And Cash Equivalents | $52,267,000 | $63,434,000 | $114,581,000 | $94,410,000 |
| Cash Financial | $9,713,000 | $7,407,000 | $5,357,000 | $5,298,000 |
| Cash Cash Equivalents And Federal Funds Sold | $53,976,000 | $65,106,000 | $116,009,000 | $95,331,000 |
| Debt | ||||
| Total Debt | $30,575,000 | $30,483,000 | $30,651,000 | $30,611,000 |
| Long Term Debt And Capital Lease Obligation | $29,161,000 | $29,104,000 | $29,607,000 | $29,530,000 |
| Long Term Debt | $29,161,000 | $29,104,000 | $29,607,000 | $29,530,000 |
| Current Debt And Capital Lease Obligation | $1,414,000 | $1,379,000 | $1,044,000 | $1,081,000 |
| Current Debt | $1,414,000 | $1,379,000 | $1,044,000 | $1,081,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,071,129,000 | $1,023,150,000 | $982,093,000 | $878,893,000 |
| Derivative Product Liabilities | $0 | $288,000 | $175,000 | $50,000 |
| Current Notes Payable | $1,414,000 | $1,379,000 | $1,044,000 | $1,081,000 |
| Payables And Accrued Expenses | - | - | - | $7,000 |
| Payables | - | - | - | $7,000 |
| Accounts Payable | - | - | - | $7,000 |
| Equity | ||||
| Common Stock Equity | $47,024,000 | $38,786,000 | $26,742,000 | $50,132,000 |
| Total Equity Gross Minority Interest | $57,679,000 | $49,441,000 | $37,397,000 | $60,787,000 |
| Stockholders Equity | $47,024,000 | $38,786,000 | $26,742,000 | $50,132,000 |
| Gains Losses Not Affecting Retained Earnings | $-24,727,000 | $-25,100,000 | $-31,765,000 | $-1,151,000 |
| Other Equity Adjustments | $-24,727,000 | $-25,100,000 | - | - |
| Retained Earnings | $50,351,000 | $42,105,000 | $37,030,000 | $30,551,000 |
| Other | ||||
| Ordinary Shares Number | $7,290,279 | $7,484,934 | $7,581,788 | $7,644,392 |
| Share Issued | $7,290,279 | $7,484,934 | $7,581,788 | $7,644,392 |
| Tangible Book Value | $47,024,000 | $38,786,000 | $26,742,000 | $50,132,000 |
| Invested Capital | $77,599,000 | $69,269,000 | $57,393,000 | $80,743,000 |
| Total Capitalization | $76,185,000 | $67,890,000 | $56,349,000 | $79,662,000 |
| Minority Interest | $10,655,000 | $10,655,000 | $10,655,000 | $10,655,000 |
| Additional Paid In Capital | $12,553,000 | $12,876,000 | $12,633,000 | $12,032,000 |
| Capital Stock | $8,847,000 | $8,905,000 | $8,844,000 | $8,700,000 |
| Common Stock | $8,847,000 | $8,905,000 | $8,844,000 | $8,700,000 |
| Investments And Advances | $360,065,000 | $365,560,000 | $355,281,000 | $361,530,000 |
| Held To Maturity Securities | $26,745,000 | $28,544,000 | $30,306,000 | $30,801,000 |
| Available For Sale Securities | $323,563,000 | $302,000 | $292,000 | $392,000 |
| Net PPE | $14,479,000 | $15,089,000 | $14,735,000 | $15,987,000 |
| Accumulated Depreciation | $-14,670,000 | $-13,691,000 | $-13,464,000 | $-12,908,000 |
| Gross PPE | $29,149,000 | $28,780,000 | $28,199,000 | $28,895,000 |
| Other Properties | $1,109,000 | $1,495,000 | $1,872,000 | $2,101,000 |
| Machinery Furniture Equipment | $11,352,000 | $10,756,000 | $9,857,000 | $9,718,000 |
| Buildings And Improvements | $13,785,000 | $13,626,000 | $13,567,000 | $13,986,000 |
| Land And Improvements | $2,903,000 | $2,903,000 | $2,903,000 | $3,090,000 |
| Other Short Term Investments | $9,757,000 | $336,714,000 | $324,683,000 | $330,337,000 |
| Line Of Credit | - | - | $0 | $0 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $13,236,000 | $7,540,000 | $30,468,000 | $-4,313,000 |
| Operating Activities | ||||
| Operating Cash Flow | $14,082,000 | $9,337,000 | $30,904,000 | $-3,548,000 |
| Cash Flow From Continuing Operating Activities | $14,082,000 | $9,337,000 | $30,904,000 | $-3,548,000 |
| Operating Gains Losses | $-1,104,000 | $-1,977,000 | $-1,588,000 | $-9,162,000 |
| Investing Activities | ||||
| Capital Expenditure | $-846,000 | $-1,797,000 | $-436,000 | $-765,000 |
| Investing Cash Flow | $-71,744,000 | $-100,794,000 | $-112,775,000 | $-100,134,000 |
| Cash Flow From Continuing Investing Activities | $-71,744,000 | $-100,794,000 | $-112,775,000 | $-100,134,000 |
| Net Other Investing Changes | $-377,000 | $-461,000 | $635,000 | $1,051,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-1,477,000 | $-737,000 | $-460,000 | $-2,657,000 |
| Financing Cash Flow | $46,495,000 | $40,310,000 | $102,042,000 | $109,224,000 |
| Cash Flow From Continuing Financing Activities | $46,495,000 | $40,310,000 | $102,042,000 | $109,224,000 |
| Net Other Financing Charges | $-566,000 | $-565,000 | $-565,000 | $-1,046,000 |
| Net Common Stock Issuance | $-1,477,000 | $-737,000 | $-460,000 | $-2,657,000 |
| Other | ||||
| Repayment Of Debt | $-20,000 | $-580,000 | $0 | $-1,000,000 |
| Interest Paid Supplemental Data | $18,624,000 | $12,633,000 | $3,637,000 | $1,530,000 |
| Income Tax Paid Supplemental Data | $3,062,000 | $2,427,000 | $1,221,000 | $2,741,000 |
| End Cash Position | $52,267,000 | $63,434,000 | $114,581,000 | $94,410,000 |
| Beginning Cash Position | $63,434,000 | $114,581,000 | $94,410,000 | $88,868,000 |
| Changes In Cash | $-11,167,000 | $-51,147,000 | $20,171,000 | $5,542,000 |
| Common Stock Payments | $-1,477,000 | $-737,000 | $-460,000 | $-2,657,000 |
| Net Issuance Payments Of Debt | $-20,000 | $-580,000 | $0 | $19,000,000 |
| Net Long Term Debt Issuance | $-20,000 | $-580,000 | $0 | $19,000,000 |
| Long Term Debt Payments | $-20,000 | $-580,000 | $0 | $-1,000,000 |
| Net Investment Purchase And Sale | $4,024,000 | $-3,783,000 | $-36,432,000 | $-148,264,000 |
| Sale Of Investment | $60,745,000 | $41,861,000 | $47,752,000 | $74,662,000 |
| Purchase Of Investment | $-56,721,000 | $-45,644,000 | $-84,184,000 | $-222,926,000 |
| Net PPE Purchase And Sale | $-815,000 | $-1,597,000 | $109,000 | $-425,000 |
| Sale Of PPE | $31,000 | $200,000 | $545,000 | $340,000 |
| Purchase Of PPE | $-846,000 | $-1,797,000 | $-436,000 | $-765,000 |
| Change In Working Capital | $103,000 | $-1,257,000 | $-787,000 | $305,000 |
| Change In Other Current Liabilities | $-422,000 | $-1,094,000 | $-298,000 | $-1,753,000 |
| Change In Other Current Assets | $334,000 | $882,000 | $351,000 | $1,925,000 |
| Change In Payables And Accrued Expense | $91,000 | $306,000 | $101,000 | $-14,000 |
| Change In Payable | $91,000 | $306,000 | $101,000 | $-14,000 |
| Change In Account Payable | $91,000 | $306,000 | $101,000 | $-14,000 |
| Change In Prepaid Assets | $62,000 | $-591,000 | $138,000 | $178,000 |
| Change In Receivables | $38,000 | $-760,000 | $-1,079,000 | $-31,000 |
| Changes In Account Receivables | $38,000 | $-760,000 | $-1,079,000 | $-31,000 |
| Other Non Cash Items | $160,000 | $-1,542,000 | $20,620,000 | $-8,920,000 |
| Asset Impairment Charge | $141,000 | $0 | $0 | $0 |
| Deferred Tax | $-186,000 | $-794,000 | $604,000 | $143,000 |
| Deferred Income Tax | $-186,000 | $-794,000 | $604,000 | $143,000 |
| Depreciation Amortization Depletion | $2,704,000 | $2,715,000 | $2,834,000 | $3,051,000 |
| Depreciation And Amortization | $2,704,000 | $2,715,000 | $2,834,000 | $3,051,000 |
| Amortization Cash Flow | $1,213,000 | $1,228,000 | $1,343,000 | $1,589,000 |
| Amortization Of Intangibles | $1,213,000 | $1,228,000 | $1,343,000 | $1,589,000 |
| Depreciation | $1,491,000 | $1,487,000 | $1,491,000 | $1,462,000 |
| Gain Loss On Investment Securities | $116,000 | $32,000 | $191,000 | $-960,000 |
| Gain Loss On Sale Of PPE | $11,000 | $-167,000 | $-143,000 | $-23,000 |
| Net Income From Continuing Operations | $9,908,000 | $8,596,000 | $8,249,000 | $10,083,000 |
| Issuance Of Debt | - | $0 | $0 | $20,000,000 |
| Long Term Debt Issuance | - | $0 | $0 | $20,000,000 |
Fetched: 2026-02-02