UWHARRIE CAPITAL CORP financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q1 2026.

Public ticker
UWHR on OTC
Latest financial report
05 May 2026
Company Names, identifiers, and filing context for this profile. 1 identity field
Company location
Albemarle, NC
SEC filing record 1 source field available
Fiscal year end
31 December

Shareable Research Card

UWHR - UWHARRIE CAPITAL CORP Financial Facts

UWHR - UWHARRIE CAPITAL CORP has a source-backed company facts page for reviewing reported financial metrics, periods, and linked metric histories.

Start with the latest metric summary, then open metric histories or cross-company rankings to compare the same SEC-backed facts.

Context
Latest metrics period: Q1 2026

Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open metric pages to inspect the reported history.

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Return Loop

Why revisit this company facts page

Company facts change as new 10-Q and 10-K filings update the latest reported period, headline values, and cross-company comparison context.

Latest source-backed update
Latest metrics period Q1 2026
Why come back
Use the next filing cycle to compare new facts against this baseline and then verify the detailed metric history.
  • Current latest metrics period: Q1 2026.
  • Most recent SEC facts end date on this page: 31 Mar 2026.
  • Save this filer to return when the next filing-backed metric period changes the picture.

Freshness comes from the latest SEC company facts period available for this filer and the linked metric history pages.

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Latest update

Latest update for UWHR - UWHARRIE CAPITAL CORP

New fact period available

Latest financial period: Q1 2026. Reopen this facts page to verify the newest reported period against the prior baseline.

Update date

05 May 2026

Page type

Company facts

Latest period

Q1 2026

SEC-backed company facts were refreshed from filings filed on 05 May 2026.

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Key facts

  • UWHR - UWHARRIE CAPITAL CORP financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q1 2026.
  • Headline metric summary will appear when SEC facts are available.

Change

  • No metrics are currently available for comparison on this facts page.
  • Changes will populate automatically as new 10-Q/10-K periods are processed.

Research use

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Evidence

Based on latest 10-Q/10-K

Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open company facts to inspect the reported metric history.

View source filing

Valuation Snapshot

SEC-only DCF estimate using a normalized free cash flow base, cash, debt, and reported share count when available.

DCF value materially above price Undervalued Medium confidence

241%

fair value gap

Fair value per share

$35.83

Market price

$10.50

UWHR - Local security

PEG ratio

0.4x

P/E 6.6x / growth 17%

EPS CAGR (2Y)

Enterprise value

$140.65M

Equity value

$256.84M

DCF fair value scenarios

Bear

$30.86

Undervalued
Growth
1%
Discount
11%
Terminal
2%

Gap 194%

Base

$35.83

Undervalued
Growth
4%
Discount
10%
Terminal
2.5%

Gap 241%

Bull

$43.67

Undervalued
Growth
7%
Discount
9%
Terminal
3%

Gap 316%

Base growth: DCF Growth Assumption.

Key valuation metrics

EV/Revenue

n/a

Local security market EV / SEC revenue

Market enterprise value is unavailable

EV/EBITDA

n/a

Local security market EV / SEC EBITDA

Market enterprise value is unavailable

P/E

6.6x

Local security market price / SEC EPS

P/S

n/a

Local security market cap / SEC revenue

Revenue is unavailable or not positive

P/B

1.1x

Local security market cap / SEC equity

PEG

0.4x

P/E / EPS CAGR

Core assumptions

Projection
5 years
FCF growth
4%
Discount rate
10%
Terminal growth
2.5%

SEC fact inputs

DCF base FCF
$9.66M
Normalized SEC FCF average
Reported FCF
$5.59M
Net income
$11.35M
EBITDA
n/a
Cash
$116.19M
Debt
n/a
Equity
$66M
Shares
7,167,728

Data confidence notes

  • Dcf base free cash flow: dcf base starts from trailing sec free cash flow
  • Dcf base free cash flow: trailing free cash flow is below recent annual free cash flow, so dcf uses a normalized sec average
  • Debt missing: equity value treats debt as 0
  • Dcf uses fallback growth assumption because historical free cash flow growth is not positive

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

n/a

Insufficient Data Confidence low

Financial Health

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 7,160,254 +1.2%
Common Stock, Shares, Outstanding 7,149,685 +1.2%
Common Stock, Value, Issued $8,937,000 +1.2%
Weighted Average Number of Shares Outstanding, Basic 7,167,728 -1.7%
Weighted Average Number of Shares Outstanding, Diluted 7,167,728 -1.7%

Supporting Metrics

These supporting metrics stay fully source-backed for deeper research. Scan the latest value and reported period first, then open a metric page when you need the full filing trail.

Metric Latest value YoY change
Accumulated Other Comprehensive Income (Loss), Net of Tax $18,254,000 +18%
Assets $1,249,214,000 +7.4%
Cash and Cash Equivalents, at Carrying Value $116,189,000 +51%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect $42,860,000 +72%
Common Stock, Par or Stated Value Per Share 1.25 0%
Common Stock, Shares Authorized 20,000,000 0%
Common Stock, Shares, Issued 7,149,685 +1.2%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $15,524,000 +16%
Deferred Income Tax Assets, Net $7,311,000 -12%
Earnings Per Share, Basic 1.59 +24%
Earnings Per Share, Diluted 1.59 +24%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $15,417,000 +18%
Income Tax Expense (Benefit) $3,402,000 +16%
Interest Paid, Excluding Capitalized Interest, Operating Activities $4,761,000 +1.9%
Lessee, Operating Lease, Liability, to be Paid $680,000 -40%
Lessee, Operating Lease, Liability, to be Paid, Year Four $0 -100%
Lessee, Operating Lease, Liability, to be Paid, Year One $260,000 -38%
Lessee, Operating Lease, Liability, to be Paid, Year Three $20,000 -79%
Lessee, Operating Lease, Liability, to be Paid, Year Two $98,000 -62%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $22,000 -51%
Liabilities $1,172,554,000 +6.5%
Liabilities and Equity $1,249,214,000 +7.4%
Net Cash Provided by (Used in) Financing Activities $50,350,000 +75%
Net Cash Provided by (Used in) Investing Activities $9,137,000 -31%
Net Cash Provided by (Used in) Operating Activities $1,647,000 -46%
Operating Lease, Liability $658,000 -40%
Operating Lease, Payments $115,000 +2.7%
Operating Lease, Weighted Average Discount Rate, Percent 0.0285 +6.7%
Payments to Acquire Property, Plant, and Equipment $1,259,000 +1514%
Property, Plant and Equipment, Net $15,617,000 +9.9%
Retained Earnings (Accumulated Deficit) $62,072,000 +18%
Stockholders' Equity Attributable to Parent $66,005,000 +28%
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest $76,660,000 +23%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY
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