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Home CompaniesUwharrie Capital Corp

Uwharrie Capital Corp

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
13.5 USD 0.00(0%)
Last update at 2026-11-11T21:00:00Z
VOLUME
759
Market Cap
102.79M
P/E
8.29

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
13.50
Low
13.50
High
52 Week Price Range
9.75
Low
14.78
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Uwharrie Capital Corp appears to be a regional bank holding company that operates through a banking subsidiary offering loan, deposit and related financial services to local customers. Long-term growth could be supported by regional economic activity, expansion of the loan book, and margin improvement tied to interest-rate dynamics and deposit stability. Investors may find exposure to a small community banking franchise attractive for potential local-credit driven revenue growth and a stable deposit base.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
13.50
Dividend Yield
-
Revenue TTM
53.02M
Revenue Per Share
7.39
Gross Profit TTM
53.02M
Debt / Equity
-
ROE
17.89%
Net Debt
-
ROCE
12.67%
Diluted EPS TTM
1.75

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 14.60M 12.76M 10.76M 9.95M 12.85M
Minority interest -0.56M -0.57M -0.56M 0.56M -0.56M
Net income 10.79M 9.34M 8.03M 7.68M 9.52M
Selling general administrative 25.08M 23.45M 21.70M 29.68M 24.89M
Gross profit - - - 39.63M -
Reconciled depreciation 2.76M 2.70M 2.71M 2.83M 3.05M
Ebit - - - 9.95M -
Operating income - - - 9.95M -
Other operating expenses - - - 3.06M 4.41M
Interest expense 18.97M 18.80M 13.02M 3.82M 1.52M
Tax provision 3.25M 2.85M 2.17M 1.71M 2.76M
Interest income 57.82M 54.72M 45.72M 31.56M 27.63M
Net interest income 38.85M 35.92M 32.70M 27.74M 26.11M
Income tax expense - - - 1.71M 2.76M
Total revenue 49.36M 45.08M 41.23M 39.63M 43.85M
Total operating expenses - - - 29.68M -
Net income from continuing ops 11.35M 9.91M 8.60M 8.25M 10.08M
Net income applicable to common shares - - - 7.68M 9.52M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1196.35M 1128.81M 1072.59M 1019.49M 939.68M
Other current assets - - - 6.41M 24.24M
Total liab 1120.79M 1071.13M 1023.15M 982.09M 878.89M
Total stockholder equity 64.90M 47.02M 49.44M 26.74M 50.13M
Other current liab - - - 939.86M -
Common stock - - - 8.84M 8.70M
Capital stock 8.97M 8.85M 8.90M 8.84M 8.70M
Retained earnings 59.00M 50.35M 42.10M 37.03M 30.55M
Other liab - - - 9.42M 9.28M
Other assets - - - 523.09M 436.76M
Cash 73.33M 52.27M 63.43M 114.58M 94.41M
Total current liabilities - - - 940.90M 837.88M
Short term debt - - - 1.04M -
Short long term debt 0.03M 1.41M 1.38M 1.04M 1.08M
Other stockholder equity - - - -31.77M -1.15M
Property plant equipment - - - 14.73M 15.99M
Total current assets - - - 123.14M 119.92M
Long term investments 379.99M 360.06M 365.56M 853.36M 361.53M
Net tangible assets - - - 26.74M 50.13M
Short term investments 2.56M 332.99M 336.71M 324.68M 330.34M
Net receivables 4.43M 4.36M 4.39M 8.56M 2.55M
Long term debt 29.05M 29.16M 29.10M 29.61M 29.53M
Accounts payable - - - 939.86M 836.75M
Noncontrolling interest in consolidated entity - - - 10.65M -
Common stock total equity - - - 8.84M -
Retained earnings total equity - - - 37.03M -
Non currrent assets other - - - 17.52M -
Non current assets total - - - 10.73M -
Long term debt total - - - 29.61M -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -11.25M 4.02M -3.78M -114.03M -147.46M
Change to liabilities - - - -0.20M 0.00M
Total cashflows from investing activities - - - -112.78M -100.13M
Net borrowings -0.19M -0.02M -0.58M -0.04M 19.37M
Total cash from financing activities 47.32M 46.49M 40.31M 102.04M 109.22M
Change to operating activities - - - 0.17M 0.21M
Net income 10.79M 9.34M 8.03M 8.25M 9.52M
Change in cash 21.06M -11.17M -51.15M 20.17M 5.54M
Begin period cash flow 52.27M 63.43M 114.58M 94.41M 88.87M
End period cash flow 73.33M 52.27M 63.43M 114.58M 94.41M
Total cash from operating activities 9.86M 14.08M 9.34M 30.90M -3.55M
Depreciation 2.76M 2.70M 2.71M 2.48M 3.05M
Other cashflows from investing activities - - - 1.69M 0.24M
Change to account receivables -0.07M 0.04M -0.76M -1.08M -0.03M
Sale purchase of stock -1.08M -1.48M -0.74M -0.45M -2.66M
Other cashflows from financing activities - - - 102.53M 92.51M
Change to netincome - - - 19.25M -16.29M
Capital expenditures 1.66M 0.85M 1.80M 0.44M 0.77M
Change receivables - - - -1.08M -
Cash flows other operating - - - 2.21M -
Cash and cash equivalents changes - - - 20.17M -
Change in working capital -0.82M 0.10M -1.26M -0.79M 0.30M
Other non cash items -3.87M 0.16M -1.54M 14.56M -26.21M
Free cash flow 8.20M 13.24M 7.54M 30.47M -4.31M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
UWHR
Uwharrie Capital Corp		 -
-%		 13.50 8.29 - 1.94 1.41 2.49
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83 8.22

Profile*

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.

132 North First Street, Albemarle, NC, United States, 28001

704 983 6181

https://www.uwharrie.com

176

Name Title Year Born
Mr. Roger Lee Dick Pres, CEO & Advisory Director 1952
Mr. R. David Beaver III Chief Risk Officer 1984
Mr. Jeffrey L. Trout Pres of Uwharrie Bank Mortgage 1971
Ms. Heather H. Almond Chief Financial Officer 1989
Mr. Jason R. Andrew EVP & Chief Information Officer 1987
Mike Massey Sr. VP & Director of Admin. NA
Ms. Tamara M. Singletary Exec. VP of Investor Relations & Corp. Sec. 1960
Ms. Christy Davis Stoner Chief Marketing Officer 1965
Brooke L. Senter Chief People Officer 1981
Ms. JoAnne Burleson Financial Advisor, Principal & VP NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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