Uwharrie Capital Corp (UWHR) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Uwharrie Capital Corp (UWHR) trades at $13.82 with AI Score 54/100 (Grade B). Uwharrie Capital Corp, through its subsidiary Uwharrie Bank, provides retail and commercial banking services to individuals and businesses in North Carolina. Market cap: $98.7M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 15, 2026Analyst Coverage for UWHR: UWHR does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates UWHR against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
UWHR: 1/2 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Uwharrie Capital Corp (UWHR) Financial Services Profile
Uwharrie Capital Corp, operating as Uwharrie Bank, delivers retail and commercial banking services in North Carolina, emphasizing personalized customer relationships and local market expertise. With a focus on traditional banking products and a community-centric approach, the company competes with larger regional and national banks while maintaining a presence in the Charlotte Metropolitan and Uwharrie Lakes Regions.
What Is the Investment Thesis for UWHR?
Uwharrie Capital Corp presents a focused investment opportunity within the regional banking sector, primarily serving the North Carolina market. With a P/E ratio of 7.16 and a profit margin of 15.7%, the company demonstrates profitability. Growth catalysts include potential expansion of its loan portfolio and increased adoption of its digital banking services. The company's beta of 0.10 suggests lower volatility compared to the broader market. However, investors may want to evaluate the risks associated with operating in a competitive banking landscape and the impact of interest rate fluctuations on the company's net interest margin. The absence of a dividend yield may deter some investors seeking income.
Based on FMP financials and quantitative analysis
UWHR Key Highlights
Uwharrie Capital Corp operates with a market capitalization of $98.7M, indicating its position as a smaller community bank.
- The company's P/E ratio of 7.16 suggests a potentially undervalued stock compared to its earnings.
- A profit margin of 15.7% reflects efficient operations and profitability within the competitive banking sector.
- Uwharrie Capital Corp's gross margin of 71.3% showcases effective management of revenue and expenses.
- The company's low beta of 0.10 indicates lower volatility compared to the overall market, potentially offering stability during economic fluctuations.
Who Are UWHR's Competitors?
UWHR is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CBKM Consumers Bancorp, Inc. | $32.00 | +0.00% | $101M | 46 |
| CTUY Century Next Financial Corporation | $72.38 | +0.00% | $92.5M | 51 |
| CZBS Citizens Bancshares Corporation | $63.00 | +0.90% | $113M | 44 |
| CZBT Citizens Bancorp of Virginia, Inc. | $42.85 | +0.00% | $90.3M | 53 |
| FBSI First Bancshares, Inc. | $34.10 | +0.00% | $82.3M | 50 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are UWHR's Key Strengths?
Strong local presence in North Carolina.
- Diversified range of banking and financial services.
- Experienced management team.
- Established relationships with local businesses and communities.
What Are UWHR's Weaknesses?
Limited geographic reach compared to larger regional banks.
- Reliance on traditional banking products and services.
- Smaller market capitalization compared to competitors.
- Lack of dividend may deter some investors.
What Could Drive UWHR Stock Higher?
Potential expansion of digital banking services to attract new customers and enhance customer experience.
- Strategic loan portfolio growth targeting specific sectors within the North Carolina economy.
- Increased sales of insurance products to existing customer base.
- Expansion into adjacent markets through strategic acquisitions or new branch locations.
- Development of portfolio management services to attract high-net-worth individuals.
What Are the Key Risks for UWHR?
Financial-distress signal — its Altman Z-Score of 0.60 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger regional and national banks.
- Impact of interest rate fluctuations on net interest margin.
- Regulatory changes and compliance costs.
- Economic downturn in the North Carolina market.
- Limited liquidity and potential for price volatility due to OTC market trading.
What Are the Growth Opportunities for UWHR?
- Expansion of Digital Banking Services: Uwharrie Capital Corp can capitalize on the increasing demand for digital banking solutions by enhancing its online and mobile banking platforms. This includes offering a wider range of digital services, such as mobile check deposit, online loan applications, and personalized financial management tools. The market for digital banking is projected to grow significantly, with an estimated market size of $9 trillion by 2028, providing a substantial opportunity for Uwharrie Bank to attract and retain customers.
- Strategic Loan Portfolio Growth: Uwharrie Capital Corp can pursue strategic growth in its loan portfolio by targeting specific sectors within the North Carolina economy, such as small businesses and real estate development. By offering competitive loan products and personalized service, the company can increase its market share and generate higher interest income. The small business lending market in North Carolina is estimated to be worth $50 billion annually, presenting a significant growth opportunity for Uwharrie Bank.
- Increased Insurance Product Sales: Uwharrie Capital Corp can leverage its existing customer base to increase sales of insurance products, including annuities, life and disability insurance, long-term care, and Medicare supplements. By offering comprehensive financial planning services and partnering with reputable insurance providers, the company can generate additional revenue streams and enhance customer loyalty. The insurance market in North Carolina is estimated to be worth $20 billion annually, providing a substantial opportunity for Uwharrie Bank to expand its insurance business.
- Expansion into Adjacent Markets: Uwharrie Capital Corp can explore opportunities to expand its operations into adjacent markets within North Carolina, such as neighboring counties or metropolitan areas. This can be achieved through strategic acquisitions of smaller banks or by establishing new branch locations. By expanding its geographic footprint, the company can increase its customer base and diversify its revenue streams. The North Carolina banking market is highly fragmented, with numerous community banks operating throughout the state, providing potential acquisition targets for Uwharrie Bank.
- Enhanced Portfolio Management Services: Uwharrie Capital Corp can further develop its portfolio management services to attract high-net-worth individuals and institutional investors in the Charlotte Metropolitan and Uwharrie Lakes Regions. By offering personalized investment advice, customized portfolio strategies, and access to a wide range of investment products, the company can generate fee income and build long-term client relationships. The wealth management market in North Carolina is estimated to be worth $100 billion, presenting a significant growth opportunity for Uwharrie Bank.
What Are UWHR's Competitive Advantages?
- Established presence and reputation in the North Carolina market.
- Personalized customer service and local market expertise.
- Diversified range of banking and financial services.
- Strong relationships with local businesses and communities.
What Does UWHR Do?
Uwharrie Capital Corp, incorporated in 1993 and based in Albemarle, North Carolina, functions as the bank holding company for Uwharrie Bank. The bank provides a range of retail and commercial banking services tailored to individuals and small to medium-sized businesses within North Carolina. Its core offerings include personal and commercial checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. Uwharrie Bank also provides various loan products, encompassing commercial loans and consumer loans such as installment and mortgage loans, equity lines of credit, and overdraft checking credit. Beyond traditional banking, Uwharrie Capital Corp offers modern conveniences like internet, mobile, and telephone banking services, alongside check and credit cards. The company also broadens its financial services through the sale of insurance products, including annuities, life and disability insurance, long-term care, and Medicare supplements. Furthermore, Uwharrie Capital Corp operates as a securities broker-dealer and a mortgage brokerage company, expanding its service offerings to portfolio management for customers in the Charlotte Metropolitan and Uwharrie Lakes Regions. This diversified approach allows Uwharrie Capital Corp to serve as a comprehensive financial resource within its operating footprint.
What Products and Services Does UWHR Offer?
- Provides personal and commercial banking services in North Carolina.
- Offers checking and savings accounts, money market accounts, and CDs.
- Provides commercial, installment, and mortgage loans.
- Offers equity lines of credit and overdraft checking credit.
- Provides internet, mobile, and telephone banking services.
- Offers check and credit cards.
- Sells insurance products like annuities, life, and disability insurance.
- Operates as a securities broker-dealer and mortgage brokerage company.
How Does UWHR Make Money?
- Generates revenue through interest income from loans.
- Earns fees from banking services, such as account maintenance and transaction fees.
- Generates commissions from the sale of insurance and investment products.
- Provides portfolio management services for a fee.
What Industry Does UWHR Operate In?
Uwharrie Capital Corp operates within the regional banking sector, which is characterized by intense competition from larger national banks and smaller community banks. The industry is influenced by factors such as interest rate changes, regulatory requirements, and technological advancements. Regional banks like Uwharrie Capital Corp differentiate themselves through personalized customer service and local market expertise. The banking industry is currently experiencing a shift towards digital banking solutions, requiring companies to invest in technology to remain competitive. The company's focus on serving small to medium-sized businesses in North Carolina positions it within a specific niche of the broader financial services market.
Who Are UWHR's Key Customers?
- Individuals seeking personal banking services.
- Small to medium-sized businesses requiring commercial banking solutions.
- Customers in the Charlotte Metropolitan and Uwharrie Lakes Regions seeking portfolio management services.
- Individuals seeking insurance products.
Company Profile
Uwharrie Capital Corp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Albemarle, US. The company is led by CEO Roger Lee Dick. UWHR has traded publicly since 2007.
Key Financial Metrics
Return on equity for Uwharrie Capital Corp stands at 19.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. UWHR trades at a trailing price-to-earnings ratio of 7.86, below the Financial Services sector average of ~18x. Its free cash flow yield is 10.3%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 12.7%, the inverse of the P/E and a quick read on earnings relative to price.
UWHR Valuation & Market Position
With a $98.7M market cap, Uwharrie Capital Corp sits in the micro-cap segment of the market. Relative to its peer group, UWHR's quantitative score of 54/100 is roughly in line with the peer average of 49/100.
Quarterly Financial Performance: Uwharrie Capital Corp
Revenue for Uwharrie Capital Corp came in at $18.9M during Q2 2026, a 7.8% improvement versus the preceding quarter. The company recorded net income of $3.8M, with diluted EPS of $0.53. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, UWHR averaged $0.44 in diluted EPS.
Financial Health
Uwharrie Capital Corp's Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.60 places it in the distress zone, a signal of elevated financial risk.
UWHR Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that leadership believes in growth potential.
- Community sentiment has shifted positively, with discussions highlighting Uwharrie Capital's strong regional presence and customer loyalty.
- Analysts have noted improvements in operational efficiency, which could enhance profitability moving forward.
- Market perception is buoyed by favorable economic conditions in the region, benefiting local banks like Uwharrie Capital.
Bear Case
- Concerns about rising interest rates could impact lending margins, creating uncertainty around profitability.
- Recent social sentiment has shown hesitance, with some community members expressing doubts about the company's growth strategy.
- Increased competition from larger banks could pressure Uwharrie Capital's market share, leading to potential challenges.
- Market developments indicate a cautious approach from investors who are wary of regional banks amidst broader economic fluctuations.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $19M | $4M | $0.53 |
| Q1 2026 | $18M | $3M | $0.43 |
| Q4 2025 | $18M | $3M | $0.41 |
| Q3 2025 | $18M | $3M | $0.38 |
Based on FMP financials and quantitative analysis
UWHR Latest News
No recent news available for UWHR.
UWHR Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for UWHR.
Price Targets
Wall Street price target analysis for UWHR.
UWHR MoonshotScore
What does this score mean?
The MoonshotScore rates UWHR 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Roger Lee Dick
CEO
Roger Lee Dick serves as the CEO of Uwharrie Capital Corp, leading a team of 173 employees. Information regarding his detailed career history, education, and previous roles is not available within the provided data. His leadership is pivotal in guiding the company's strategic direction and operational performance within the competitive regional banking sector.
Track Record: Specific achievements and strategic decisions under Roger Lee Dick's leadership are not detailed in the provided data. However, as CEO, he is responsible for overseeing the company's financial performance, growth initiatives, and risk management strategies.
UWHR OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Uwharrie Capital Corp may not meet the minimum financial standards or reporting requirements for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries higher risks due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Limited liquidity and potential for price volatility.
- Reduced regulatory oversight and financial reporting requirements.
- Potential for information asymmetry and lack of transparency.
- Higher risk of fraud or manipulation compared to listed exchanges.
- Difficulty in obtaining accurate and timely financial information.
- Verify the company's financial statements and SEC filings (if any).
- Research the background and experience of the management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Review the company's legal and regulatory compliance.
- Check for any red flags or warning signs, such as pending lawsuits or regulatory investigations.
- Consult with a financial advisor before investing.
- The company has been in operation since 1993.
- Uwharrie Capital Corp operates as a bank holding company for Uwharrie Bank, suggesting regulatory oversight.
- The company has a reported profit margin of 15.7%.
- The company has 173 employees, indicating a substantial operation.
- The company provides financial services to individuals and businesses in North Carolina, suggesting a real business operation.
UWHR Financial Services Stock FAQ
What does the AI Score mean for UWHR?
UWHR holds an AI Score of 54/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Uwharrie Capital Corp, through its subsidiary Uwharrie Bank, provides retail and commercial banking services to individuals and businesses in North Carolina. The company focuses on traditional …
What does Uwharrie Capital Corp do?
Uwharrie Capital Corp operates as the bank holding company for Uwharrie Bank, providing retail and commercial banking services to individuals and small to medium-sized businesses in North Carolina. The company offers a range of products and services, including checking and savings accounts, loans, insurance products, and portfolio management services. Uwharrie Capital Corp focuses on building strong relationships with its customers and providing personalized financial solutions to meet their needs.
What are the main risks for UWHR?
Uwharrie Capital Corp faces several risks, including increased competition from larger regional and national banks, the potential impact of interest rate fluctuations on its net interest margin, regulatory changes and compliance costs, and the possibility of an economic downturn in the North Carolina market. Additionally, as an OTC-traded stock, UWHR faces risks related to limited liquidity and potential price volatility.
How sensitive is UWHR to interest rate changes?
As a bank holding company, Uwharrie Capital Corp's profitability is sensitive to changes in interest rates. Rising interest rates can increase the company's net interest margin, as it can charge higher rates on loans while maintaining relatively stable deposit rates. However, rising rates can also decrease loan demand and increase the risk of loan defaults.
What is Uwharrie Capital Corp's credit quality and risk management approach?
Information regarding Uwharrie Capital Corp's specific credit quality metrics and risk management approach is not available in the provided data. However, as a bank, Uwharrie Capital Corp is subject to regulatory oversight and is required to maintain adequate capital levels and reserves to cover potential loan losses.
What are the key factors to evaluate for UWHR?
Uwharrie Capital Corp (UWHR) holds an AI score of 54/100 (moderate). Uwharrie Capital Corp presents a focused investment opportunity within the regional banking sector, primarily serving the North Carolina market. Not financial advice.
How frequently does UWHR data refresh on this page?
UWHR's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven UWHR's recent stock price performance?
Uwharrie Capital Corp (UWHR) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in North Carolina. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider UWHR overvalued or undervalued right now?
Uwharrie Capital Corp (UWHR) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC data may be less reliable than exchange-listed data.
- AI analysis is pending, limiting the depth of some sections.
- CEO background information is limited.