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Uwharrie Capital(OTC) UWHR

Market Cap$96.08MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2004)+305%
5 Year+81%
1 Year+39%
1 Month+16%
$13.70
+0.00%
+0.00Today
Uwharrie Capital last closing stock price
MetricPriceDate
Last closeUSD 13.452026-07-30
Uwharrie Capital stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+9.8%USD 12.252026-07-23
1 month+16.45%USD 11.552026-06-30
3 month+17.98%USD 11.402026-05-01
Year to date+22.83%USD 10.952025-12-31
1 year+39.37%USD 9.652025-07-29
3 year+103%USD 6.632023-07-31
5 year+81.15%USD 7.422021-07-23
Since inception+305.26%USD 3.322004-02-06

Uwharrie Capital Financials at a Glance

Market Cap

$96.08MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$70.27M

Net Income (TTM)

$11.45M

EPS (TTM)

$1.58

P/E Ratio

8.52

Dividend

$0.00

Beta (Volatility)

-0.02 (Low)

Price

$13.70

Volume

103

Open

$13.70

Previous Close

$13.45

Daily Range

$13.70 - $13.70

52-Week Range

$9.05 - $13.70

Estimated Earnings Date

Apr 27, 2026

UWHR News

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Uwharrie Capital Net Jumps 27% in Q2

Motley Fool Markets TeamAug 25, 2025
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Uwharrie Q2 Profit Jumps 29 Percent

Motley Fool Markets TeamJul 25, 2025

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About Uwharrie Capital

Uwharrie Capital helps North Carolina residents and businesses manage money and access loans. Its banking and insurance services support daily financial needs. Customers use Uwharrie for checking, savings, mortgages, and investment advice.

Money Matters: Uwharrie’s Core Offerings

  • Banking Services: Personal and business accounts, loans, and credit cards for individuals and small businesses (majority of revenue).
  • Mortgage Banking: Home loans and mortgage brokerage for buyers and homeowners (mortgage banking represented about 7.8% of 2025 total revenue).
  • Wealth Management: Investment advice and portfolio management for individuals and businesses (asset management fees represented about 5% of 2025 total revenue).
  • Brokerage Services: Securities trading and investment products for retail clients (brokerage commissions represented about 1% of 2025 total revenue).

Branching Out: Uwharrie’s Growth Moves

  • Expanded mortgage banking and wealth management services since 2023.
  • The company continued its ongoing stock repurchase program in 2025.
  • Invested in digital banking and technology upgrades from 2024 onward.
  • The company acquired new property for future branch expansion in 2023.
  • Uwharrie operates BOS Agency, Inc. and Strategic Alliance Corporation as wholly owned subsidiaries for insurance and brokerage services.

Why Uwharrie Stands Out (Without Bragging)

Uwharrie focuses on local markets, offering personalized service and local decision-making. Its broad product range covers banking, insurance, and investments under one roof. The company maintains strong capital levels and invests in technology to improve customer experience.

Five Things You Need to Know

  • Total revenue was $76 million in Q3 2025, up 29.7% year-over-year.
  • Net income reached $11.4 million for the twelve months ended December 31, 2025.
  • Deposit base grew to $1.08 billion in 2025, up 4.9% year-over-year.
  • Loan portfolio totaled $688.8 million as of December 31, 2025.
  • Capital ratios remain well above regulatory minimums as of year-end 2025.

Bottom Line

Uwharrie has evolved into a diversified financial services provider with a strong local focus. Its adaptability and broad service mix support steady growth in a competitive market.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

176

CEO

Roger L. Dick, MBA

Website

www.uwharrie.com

Headquarters

Albemarle, NC 28001, US

UWHR Financials

Key Financial Metrics (TTM)

Gross Margin

72.27%

Operating Margin

21.94%

Net Income Margin

16.29%

Return on Equity

18.62%

Return on Capital

15.41%

Return on Assets

0.92%

Earnings Yield

11.74%

Dividend Yield

0.00%

Payout Ratio

4.93%

Stock Overview

Market Cap

$96.08MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

7.14M

Volume

103

Avg. Volume

1.04K

Financials (TTM)

Gross Profit

$50.79M

Operating Income

$15.42M

EBITDA

$17.56M

Operating Cash Flow

$8.43M

Capital Expenditure

-$2.57M

Free Cash Flow

$2.26M

Cash & ST Invst.

$377.38M

Total Debt

$29.89M

Uwharrie Capital Performance Analysis

Uwharrie Capital annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 41,795,000-10.3%
20232023-12-31USD 55,177,00032.0%
20242024-12-31USD 64,427,00016.8%
20252025-12-31USD 69,110,0007.3%
Uwharrie Capital sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-307.9%
Q32025-09-302.1%
Q42025-12-311.5%
Q12026-03-31-1.8%
Uwharrie Capital annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.01-16.4%
20232023-12-31USD 1.065.2%
20242024-12-31USD 1.2618.8%
20252025-12-31USD 1.4918.1%
Uwharrie Capital sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3011.8%
Q32025-09-30N/A
Q42025-12-317.9%
Q12026-03-314.9%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$17.56M

+9.8%

Gross Profit

$12.80M

+16.3%

Gross Margin

72.90%

N/A

Market Cap

$96.08MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$545.90K

N/A

Employees

176

N/A

Net Income

$3.08M

+27.4%

EBITDA

$4.46M

+13.4%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$377.38M

+347.7%

Total Debt

$29.89M

-2.5%

Accounts Receivable

$4.58M

-2.5%

Inventory

$0.00

N/A

Long Term Debt

$29.42M

+0.8%

Short Term Debt

$468.00K

-68.1%

Return on Assets

0.92%

N/A

Return on Invested Capital

1.23%

N/A

Free Cash Flow

$388.00K

-87.0%

Operating Cash Flow

$1.65M

-46.4%

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Questions About UWHR

What is the current price of Uwharrie Capital?

Uwharrie Capital is trading at $13.70 per share.

What is the 52-week range for Uwharrie Capital?

Over the past 52 weeks, Uwharrie Capital has traded between $9.05 and $13.70.

How much debt does Uwharrie Capital have?

As of the most recent reporting period, Uwharrie Capital reported total debt of $29.89M.

How much cash does Uwharrie Capital have on hand?

Uwharrie Capital does not have cash on hand data available.

What is Uwharrie Capital’s dividend yield?

Uwharrie Capital does not currently have a dividend yield.

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