A Business at a Glance
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UWHARRIE CAPITAL CORP
UWHR
$93M
Mkt Cap
$12.80
+4.49%
UWHARRIE CAPITAL CORP (UWHR) has a current P/E ratio of 9.6, compared to its historical median P/E of 7.6. The stock is currently considered Fair based on its historical valuation range.
UWHARRIE CAPITAL CORP (UWHR) has a 5-year average return on invested capital (ROIC) of 12.7%. This indicates solid capital allocation.
UWHARRIE CAPITAL CORP (UWHR) has a market capitalization of $92M. It is classified as a small-cap stock.
UWHARRIE CAPITAL CORP (UWHR) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 1.31%.
Based on historical P/E analysis, UWHARRIE CAPITAL CORP (UWHR) appears fair. The current P/E of 9.6 is 26% above its historical median of 7.6. The estimated fair value CAGR (P/E method) is 21.7%.
UWHARRIE CAPITAL CORP (UWHR) operates in the State Commercial Banks industry, within the Financials sector.
UWHARRIE CAPITAL CORP (UWHR) reported annual revenue of $69 million in its most recent fiscal year, based on SEC EDGAR filings.
Uwharrie Capital Corp (the “Company”) is a North Carolina business corporation and registered bank holding company. The Company was incorporated on February 24, 1993 to become the bank holding company for Uwharrie Bank (the “Bank”), a North Carolina commercial bank, originally chartered on September 28, 1983 as Bank of Stanly, and its three wholly owned subsidiaries, The Strategic Alliance Corporation (“Strategic Alliance”), BOS Agency, Inc. (“BOS Agency”) and Gateway Mortgage, Inc., a mortgage brokerage company acquired in August 2000. The Company also owns two non-bank subsidiaries, Uwharrie Investment Advisors, Inc., formerly known as Strategic Investment Advisors, Inc., formed in 1999, and Uwharrie Mortgage, Inc., formed in 2004. On January 19, 2000, the Company completed its acquisition of Anson Bancorp, Inc. and its subsidiary, Anson Savings Bank.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 51M | 69M | 64M | 55M | 42M | 47M |
| Net Income | 11M | 11M | 9.3M | 8.0M | 7.7M | 9.5M |
| EPS | $1.62 | $1.49 | $1.26 | $1.06 | $1.04 | $1.27 |
| Free Cash Flow | 5.6M | 8.2M | 13M | 7.5M | 30M | -4.3M |
| ROIC | 12.0% | 12.7% | 13.0% | 12.9% | 11.3% | 13.7% |
| Gross Margin | - | 0.0% | - | - | - | - |
| Debt/Equity | 0.44 | 0.45 | 0.65 | 0.79 | 1.15 | 0.61 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 572K | 15M | 646K | 680K | 514K | 13M |
| Operating Margin | 1.1% | 21.1% | 1.0% | 1.2% | 1.2% | 27.6% |
| ROE | 17.3% | 19.3% | 21.8% | 24.5% | 20.0% | 19.3% |
| Shares Outstanding | 7M | 7M | 7M | 8M | 7M | 7M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 25M | 26M | 27M | 28M | 30M | 33M | 45M | 47M | 42M | 55M | 64M | 69M | 51M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 12M | 13M | 15M | 15M | 16M | 17M | 20M | 22M | 20M | 19M | 21M | 22M | 23M |
| EBIT | 529K | 318K | 509K | 595K | 810K | 395K | 607K | 13M | 514K | 680K | 646K | 15M | 572K |
| Op. Margin | 2.1% | 1.2% | 1.9% | 2.1% | 2.7% | 1.2% | 1.4% | 27.6% | 1.2% | 1.2% | 1.0% | 21.1% | 1.1% |
| Net Income | 1.1M | 1.4M | 1.6M | 1.0M | 1.9M | 2.5M | 7.5M | 9.5M | 7.7M | 8.0M | 9.3M | 11M | 11M |
| Net Margin | 4.3% | 5.5% | 5.9% | 3.7% | 6.3% | 7.7% | 16.8% | 20.4% | 18.4% | 14.6% | 14.5% | 15.6% | 22.3% |
| Non-Recurring | 142K | 1K | 0 | 0 | -4K | 6K | -69K | 23K | 143K | 167K | -11K | 15K | 15K |
| Returns on Capital | |||||||||||||
| ROIC | 2.6% | 3.4% | 3.8% | 2.4% | 4.3% | 5.4% | 14.0% | 13.7% | 11.3% | 12.9% | 13.0% | 12.7% | 12.0% |
| ROE | 3.5% | 4.4% | 4.9% | 3.1% | 5.6% | 6.9% | 17.4% | 19.3% | 20.0% | 24.5% | 21.8% | 19.3% | 17.3% |
| ROA | 0.2% | 0.3% | 0.3% | 0.2% | 0.3% | 0.4% | 1.0% | 1.1% | 0.8% | 0.8% | 0.8% | 0.9% | 0.9% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 2.8M | -11K | 4.0M | 5.8M | 4.3M | 7.0M | 2.2M | -3.5M | 31M | 9.3M | 14M | 9.9M | 8.4M |
| Free Cash Flow | 610K | -727K | 3.4M | 4.0M | 3.2M | 5.5M | 1.4M | -4.3M | 30M | 7.5M | 13M | 8.2M | 5.6M |
| Owner Earnings | 1.9M | -932K | 3.0M | 4.9M | 3.2M | 6.0M | 1.0M | -4.7M | 30M | 8.2M | 13M | 8.8M | -7.1M |
| CapEx | 2.2M | 716K | 657K | 1.7M | 1.1M | 1.6M | 720K | 765K | 436K | 1.8M | 846K | 1.7M | 2.8M |
| Maint. CapEx | 922K | 908K | 1.0M | 857K | 1.1M | 1.1M | 1.1M | 1.1M | 1.1M | 1.1M | 1.1M | 1.1M | 16M |
| Growth CapEx | 1.3M | 0 | 0 | 873K | 40K | 502K | 0 | 0 | 0 | 687K | 0 | 588K | 0 |
| D&A | 922K | 908K | 1.0M | 857K | 1.1M | 1.1M | 1.1M | 1.1M | 1.1M | 1.1M | 1.1M | 1.1M | 16M |
| CapEx/OCF | 69.5% | N/A | 16.3% | 30.1% | 20.7% | 22.4% | 33.4% | N/A | 1.4% | 19.2% | 6.0% | N/A | 33.7% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 593K | 592K | 570K | 564K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | 1.8% | 1.5% | 1.5% | 1.6% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 1.4M | 429K | 322K | 391K | 747K | 850K | 991K | 2.6M | 451K | 728K | 1.5M | 1.1M | 1.2M |
| Buyback Yield | 5.9% | 1.6% | 0.8% | 0.9% | 2.0% | 2.1% | 2.5% | 4.2% | 0.8% | 1.2% | 2.5% | 0.0% | 1.3% |
| Stock-Based Comp | 0 | 13K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Repayment | 1.6M | 11K | 13K | 512K | 440K | 10.0M | 0 | 1.0M | 0 | 580K | 20K | 190K | 190K |
| Balance Sheet | |||||||||||||
| Net Debt | -149M | -128M | -127M | -144M | -187M | -222M | -257M | -394M | -409M | -370M | -355M | -402M | -454M |
| Cash & Equiv. | 51M | 69M | 46M | 70M | 118M | 155M | 89M | 94M | 115M | 63M | 52M | 73M | 483M |
| Long-Term Debt | 9.6M | 9.5M | 9.5M | 9.5M | 10.0M | 10.0M | 11M | 30M | 30M | 29M | 29M | 29M | 29M |
| Debt/Equity | 0.45 | 0.94 | 0.74 | 0.67 | 0.65 | 0.56 | 0.48 | 0.61 | 1.15 | 0.79 | 0.65 | 0.45 | 0.44 |
| Interest Coverage | 0.5 | 0.2 | 0.4 | 0.5 | 0.4 | 0.1 | 0.3 | 9.0 | 0.1 | 0.1 | 0.1 | 0.0 | 0.4 |
| Equity | 32M | 33M | 33M | 34M | 35M | 38M | 49M | 50M | 27M | 39M | 47M | 65M | 66M |
| Total Assets | 518M | 532M | 548M | 577M | 632M | 657M | 828M | 940M | 1.0B | 1.1B | 1.1B | 1.2B | 1.2B |
| Total Liabilities | 476M | 489M | 505M | 533M | 587M | 608M | 769M | 879M | 982M | 1.0B | 1.1B | 1.1B | 1.2B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Retained Earnings | 11M | 12M | 13M | 13M | 14M | 16M | 23M | 31M | 37M | 42M | 50M | 59M | 62M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 0.14 | 0.19 | 0.21 | 0.13 | 0.26 | 0.33 | 1.00 | 1.27 | 1.04 | 1.06 | 1.26 | 1.49 | 1.62 |
| Owner EPS | 0.25 | -0.13 | 0.39 | 0.62 | 0.44 | 0.78 | 0.14 | -0.62 | 4.03 | 1.09 | 1.75 | 1.21 | -0.99 |
| Book Value | 4.08 | 4.39 | 4.27 | 4.32 | 4.71 | 5.00 | 6.44 | 6.69 | 3.62 | 5.12 | 6.34 | 8.96 | 9.23 |
| Cash Flow/Share | 0.36 | -0.00 | 0.52 | 0.73 | 0.58 | 0.92 | 0.29 | -0.47 | 4.18 | 1.23 | 1.90 | 1.36 | 3.77 |
| Dividends/Share | N/A | N/A | 0.08 | 0.08 | 0.08 | 0.07 | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 7.8M | 7.4M | 7.7M | 7.8M | 7.3M | 7.6M | 7.5M | 7.5M | 7.4M | 7.6M | 7.4M | 7.2M | 7.1M |
| Valuation | |||||||||||||
| P/E Ratio | 21.7 | 19.0 | 24.3 | 41.1 | 20.0 | 15.9 | 5.2 | 6.6 | 7.3 | 7.6 | 6.4 | N/A | 7.9 |
| P/FCF | 37.4 | N/A | 11.2 | 10.3 | 11.1 | 7.0 | 26.6 | N/A | 1.8 | 8.0 | 4.5 | N/A | 16.4 |
| EV/EBIT | 40.8 | 132.7 | 101.2 | 89.3 | 60.9 | -303.8 | -51.0 | -0.1 | -54.0 | 51.5 | 75.9 | N/A | -633.3 |
| Price/Book | 0.7 | 0.8 | 1.2 | 1.2 | 1.1 | 1.0 | 0.8 | 1.3 | 2.1 | 1.6 | 1.3 | N/A | 1.4 |
| Price/Sales | 0.9 | 1.0 | 1.2 | 1.5 | 1.5 | 1.3 | 0.9 | 1.2 | 1.5 | 1.3 | 1.2 | N/A | 1.8 |
| FCF Yield | 2.6% | -2.7% | 8.6% | 9.6% | 8.3% | 13.6% | 3.7% | -6.8% | 54.2% | 12.4% | 22.2% | N/A | 6.1% |
| Market Cap | 24M | 27M | 39M | 42M | 38M | 40M | 39M | 63M | 56M | 61M | 60M | 0 | 92M |
| Avg. Price | 2.59 | 3.17 | 4.19 | 4.89 | 5.25 | 4.65 | 4.83 | 7.24 | 7.55 | 7.13 | 7.56 | 0.00 | 12.80 |
| Year-End Price | 2.93 | 3.43 | 4.92 | 5.29 | 4.79 | 4.97 | 5.06 | 8.30 | 7.52 | 8.01 | 8.06 | 0.00 | 12.80 |
UWHARRIE CAPITAL CORP passes 4 of 9 quality checks, suggesting mixed fundamentals.
UWHARRIE CAPITAL CORP trades at 9.6x trailing earnings, compared to its 15-year median P/E of 7.6x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 7.0x vs a median of 9.2x. The company's 5-year average ROIC is 12.7%. Total shareholder yield (buybacks) is 1.3%. At current prices, the estimated annualized return to fair value is +28.7%.
UWHARRIE CAPITAL CORP (UWHR) has a net profit margin of 15.6%. This is a healthy margin.
UWHARRIE CAPITAL CORP (UWHR) generated $8 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
UWHARRIE CAPITAL CORP (UWHR) has a debt-to-equity ratio of 0.45. This indicates a conservatively financed balance sheet.
UWHARRIE CAPITAL CORP (UWHR) reported earnings per share (EPS) of $1.49 in its most recent fiscal year.
UWHARRIE CAPITAL CORP (UWHR) has a return on equity (ROE) of 19.3%. This indicates the company generates strong returns for shareholders.
The Ledger Terminal provides 16 years of financial data for UWHARRIE CAPITAL CORP (UWHR), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
UWHARRIE CAPITAL CORP (UWHR) has a book value per share of $8.96, based on its most recent annual SEC filing.