UWHROTCState Commercial BanksFiscal year ends December 31
UWHARRIE CAPITAL CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 11, 2026
$14.01+0.00 (0.00%)
Close on Oct 19, 2026
- Market cap
- $99.91M
- P/E (TTM)
- 8.0
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
–
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +9.7% | +9.8% | +3.2% | +7.7% | |
| EPS, diluted | +18.3% | +12.7% | +8.3% | +22.9% | |
| Free cash flow | -38.1% | -35.4% | +41.7% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Capex to revenue | 2.5% | 1.7% | 3.3% | |
| Diluted shares | 8M | 8M | 7M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Uwharrie Capital generated $67.73M from operations and spent $11.86M on capital expenditure, dividends and share buybacks. 46% of that went back into the business.
Generated
$67.73M
Used
$11.86M
Capital expenditure$5.50M46%Dividends$00%Share buybacks$6.36M54%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin6.2%
×Asset turnover0.05×
×Equity multiplier16.46×
=Return on equity, FY20164.9%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2016 | 6.2% | 0.05× | 16.46× | 4.9% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
3of 3 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero–
- Cash generatingOperating cash flow above zero$9.86M
- Return on assets improvedROA up on the prior year– → –
- Earnings backed by cashOperating cash flow above net income$9.86M vs –
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise7M → 7M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.04