UWHARRIE CAPITAL CORP
Data quality: 83%
UWHR
OTC
Financial Services
Depository Institutions
$10.40
▼
$0.10
(-0.95%)
Mkt Cap: 74.86 M
Price
$10.40
Mkt Cap
74.86 M
Day Range
$10.50 — $10.50
52-Week Range
$7.96 — $11.24
Volume
100
Open $10.50
50D / 200D Avg
$10.77
3.45% below
50D / 200D Avg
$10.11
2.87% above
Quick Summary
Key Takeaways
ROE of 19.73% — decent returns on equity
Debt/Equity of 0.49 — conservative balance sheet
Generating 8.20 M in free cash flow
P/E of 6.59 — trading at a low valuation
Growth
Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)14.58%
FCF Growth (3Y)4.27%
Quality
Return on Equity
19.73%
Above sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A
Safety
Debt / Equity
0.49
Above sector avg (0.49)
Current RatioN/A
Interest CoverageN/A
Valuation
PE (TTM)
6.59
Below sector avg (11.15)
P/B Ratio1.24
EV/EBITDAN/A
Dividend YieldN/A
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (2153 peers)
Peer Comparison
vs Financial Services sector median (2153 peers)| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 6.6 | 11.1 |
| P/B | 1.2 | 1.2 |
| ROE % | 19.7 | 9.2 |
| Net Margin % | — | 9.4 |
| Rev Growth 5Y % | — | 5.8 |
| D/E | 0.5 | 0.5 |
All Fundamental Metrics
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | N/A | Revenue Growth (3Y) | N/A |
| Earnings Growth (1Y) | 14.58% | Earnings Growth (3Y) | 14.92% |
| Revenue Growth (5Y) | N/A | Earnings Growth (5Y) | 3.01% |
| Profitability | |||
| Revenue (TTM) | N/A | Net Income (TTM) | 11.35 M |
| ROE | 19.73% | ROA | 0.95% |
| Gross Margin | N/A | Operating Margin | N/A |
| Net Margin | N/A | Free Cash Flow (TTM) | 8.20 M |
| ROIC | N/A | FCF Growth (3Y) | 4.27% |
| Safety | |||
| Debt / Equity | 0.49 | Current Ratio | N/A |
| Interest Coverage | N/A | Asset Turnover | N/A |
| Working Capital | N/A | Tangible Book Value | 60.31 M |
| Dividends | |||
| Dividend Yield | N/A | Payout Ratio | N/A |
| Dividend Growth (3Y) | N/A | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | N/A | ||
| Valuation | |||
| P/E Ratio | 6.59 | Forward P/E | N/A |
| P/B Ratio | 1.24 | P/S Ratio | N/A |
| PEG Ratio | 2.19 | Forward PEG | N/A |
| EV/EBITDA | N/A | Fwd EV/EBITDA | N/A |
| Forward P/S | N/A | Fwd Earnings Yield | N/A |
| FCF Yield | 10.95% | ||
| Market Cap | 74.86 M | Enterprise Value | -6.90 M |
| Per Share | |||
| EPS (Diluted TTM) | 1.49 | Revenue / Share | N/A |
| FCF / Share | 1.14 | OCF / Share | 1.37 |
| EPS CAGR (1Y) | 14.62% | EPS CAGR (5Y) | 2.88% |
| EPS CAGR (10Y) | 23.07% | ||
| Efficiency | |||
| CapEx / Revenue | N/A | FCF Conversion | 72.20% |
| SBC-Adj. FCF | N/A | Growth Momentum | N/A |
Income Statement
Annual, most recent first
Income Statement
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Net Income | 11.35 M | 9.91 M | 8.60 M | 8.25 M | 10.08 M |
| EPS (Diluted) | 1.49 | 1.30 | 1.12 | 1.08 | 1.33 |
| Gross Profit | — | — | — | — | — |
| Operating Income | — | — | — | — | — |
| EBITDA | — | — | — | — | — |
| R&D Expenses | — | — | — | — | — |
| SG&A Expenses | — | — | — | — | — |
| D&A | 1.07 M | 1.11 M | 1.11 M | 1.14 M | 1.13 M |
| Interest Expense | 38.85 M | 35.93 M | 13.02 M | 3.82 M | 1.52 M |
| Income Tax | 3.25 M | 2.85 M | 2.17 M | 1.71 M | 2.76 M |
Balance Sheet
Annual, most recent first
Balance Sheet
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 1.20 B | 1.13 B | 1.07 B | 1.02 B | 939.68 M |
| Total Liabilities | 1.12 B | 1.07 B | 1.02 B | 982.09 M | 878.89 M |
| Shareholders' Equity | 64.90 M | 47.02 M | 38.79 M | 26.74 M | 50.13 M |
| Total Debt | 29.07 M | 30.58 M | 30.48 M | 30.65 M | 30.61 M |
| Cash & Equivalents | 73.33 M | 52.27 M | 63.43 M | 114.58 M | 94.41 M |
| Current Assets | — | — | — | — | — |
| Current Liabilities | — | — | — | — | — |
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