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
- –
Uwharrie Capital statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Uwharrie Capital | Industry median |
|---|---|---|
| Market Cap | $99.32M | $679.86M |
| Enterprise Value | $18.49M | $408.94M |
| PE Ratio | 8.01 | 11.99 |
| PS Ratio | 1.88 | 3.59 |
| PB Ratio | 1.41 | 1.18 |
| P/TBV Ratio | 1.41 | 1.41 |
| P/FCF Ratio | 8.99 | 10.89 |
| P/OCF Ratio | 6.55 | 10.01 |
Enterprise value
| Measure | Uwharrie Capital | Industry median |
|---|---|---|
| EV / Sales | 0.35 | 2.76 |
| EV / FCF | 1.67 | 8.23 |
Income (trailing twelve months)
| Measure | Uwharrie Capital | Industry median |
|---|---|---|
| Revenue | $52.77M | $170.85M |
| Pretax Income | $16.83M | $70.12M |
| EPS (Diluted) | $1.75 | $2.91 |
Margins
| Measure | Uwharrie Capital | Industry median |
|---|---|---|
| Pretax Margin | 31.9% | 36.5% |
| FCF Margin | 20.9% | 33.2% |
Growth
| Measure | Uwharrie Capital | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 9.81% | 11.8% |
| EPS Growth (YoY) | 26.8% | 23.1% |
| FCF Growth (YoY) | 28.7% | 28.5% |
| Revenue Growth (3Y CAGR) | 9.78% | 5.82% |
| Revenue Growth (5Y CAGR) | 3.25% | 6.17% |
| EPS Growth (3Y CAGR) | 12.7% | 1.31% |
| EPS Growth (5Y CAGR) | 8.30% | 8.24% |
Balance sheet
| Measure | Uwharrie Capital | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $91.71M | $205.54M |
| Total Debt | $228.00K | $177.19M |
| Net Cash (Debt) | $91.48M | $164.40M |
| Net Cash Per Share | $12.90 | $8.13 |
| Equity (Book Value) | $70.41M | $563.88M |
| Book Value Per Share | $9.93 | $28.47 |
| Tangible Book Value | $70.41M | $475.36M |
Financial position
| Measure | Uwharrie Capital | Industry median |
|---|---|---|
| Debt / Equity | 0.00 | 0.20 |
| Debt / FCF | 0.02 | 1.81 |
Cash flow (trailing twelve months)
| Measure | Uwharrie Capital | Industry median |
|---|---|---|
| Operating Cash Flow | $15.17M | $61.52M |
| Capital Expenditures | -$4.13M | -$4.08M |
| Free Cash Flow | $11.04M | $52.15M |
| FCF Per Share | $1.56 | $3.05 |
Efficiency
| Measure | Uwharrie Capital | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $265.15K | $353.78K |
| Employee Count | 199 | 489 |
Dividends and yields
| Measure | Uwharrie Capital | Industry median |
|---|---|---|
| FCF Yield | 11.1% | 8.91% |
| Buyback Yield | 1.25% | 1.55% |
| Shareholder Yield | 1.25% | 3.13% |
Shares
| Measure | Uwharrie Capital | Industry median |
|---|---|---|
| Shares Outstanding | 7,089,020 | 18,839,100 |
| Shares Change (YoY) | -1.79% | 0.40% |
| Shares Change (QoQ) | -0.60% | 0.00% |
| Float | 6,735,130 | 17,061,900 |
| Shares Held by Insiders | 4.99% | 5.89% |
Taxes
| Measure | Uwharrie Capital | Industry median |
|---|---|---|
| Income Tax | $3.72M | $14.50M |
| Effective Tax Rate | 22.1% | 21.1% |
Scores
| Measure | Uwharrie Capital | Industry median |
|---|---|---|
| Graham Number | $19.78 | $45.31 |
| Graham Upside | 41.2% | 21.9% |
| Altman Z-Score | 0.17 | 0.21 |
Calculated by StockData from Uwharrie Capital's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.