Financial Services
Uwharrie Capital Corp(UWHR)
Live Price
Offline$11.48
+1.59% today
1Y Change
+28.15%
Window
Jun 23, 2025 โ Jun 15, 2026
- Market Cap
- $80.00M
- Revenue Growth
- +8.1%
- EPS Growth
- +14.6%
- Dividend Yield
- 0.0%
Coverage: 246 bars ยท Jun 23, 2025 โ Jun 15, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Uwharrie Capital Corp (UWHR) is a Financial Services stock with a market cap of $80.00M and listed on OTC. The stock last traded around $11.48 and up 28.1% across the available one-year price window (Jun 23, 2025 โ Jun 15, 2026). Baseline metrics include revenue growth of +8.1%, EPS growth of +14.6%, a dividend yield of 0.0%. What stands out right now is revenue +8.1%, EPS +14.6%, free cash flow -38.1% with operating margin 21.3% and ROIC 0.9%. Valuation is more restrained than many high-expectation growth names at P/E 7.6 and price/sales 1.2. Stock Foundry combines UWHR price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+8.1% vs +3.4% peer median
Operating Margin
Above sector median
+21.3% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 27, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +8.1% and EPS at +14.6%, with operating margin around 21.3%.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -1.0% over the next 5 trading days and finished higher after 0 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 27, 2026 | โ | -1.7% | -0.9% | -1.7% |
2026 Feb 19, 2026 | โ | -1.4% | -1.4% | -5.2% |
2025 Oct 15, 2025 | โ | +0.0% | -0.9% | -3.3% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UWHR
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
UWHR Max Drawdown
-8.01%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for UWHR and SPY.
Company Overview
Uwharrie Capital Corp
Other OTC
Uwharrie Capital Corp operates as the bank holding company for Uwharrie Bank that provides retail and commercial banking services to individuals and small to medium-sized businesses in North Carolina. The company accepts personal and commercial checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. It also offers various loan products, such as commercial loans and various consumer-type loans to individuals, including installment and mortgage loans, equity lines of credit, and overdraft checking credit. In addition, the company provides internet, mobile, and telephone banking services, as well as check and credit cards; and sells various insurance products comprising annuities, life and disability insurance, long-term care, and Medicare supplements. Further, it operates as a securities broker-dealer and a mortgage brokerage company. Additionally, the company provides portfolio management services to customers in the Charlotte Metropolitan and Uwharrie Lakes Regions. The company was incorporated in 1993 and is based in Albemarle, North Carolina.
- Leadership
- Roger Lee Dick
- IPO Date
- May 4, 2007
- Employees
- 173
- Street Address
- 132 North First Street
- Mailing
- Albemarle, NC, 28001
- Region
- Albemarle, NC, US
- Reporting Currency
- USD
- Investor Line
- 704 983 6181
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 7.6
- EV/EBITDA
- 6.1
- Price/Sales
- 1.2
- Price/Book
- 1.3
Growth
- Revenue
- +8.1%
- EPS
- +14.6%
- Free Cash Flow
- -38.1%
Profitability
- Gross Margin
- 71.3%
- Operating Margin
- 21.3%
- Net Margin
- 15.7%
- ROE
- 18.6%
- ROIC
- 0.9%
Balance Sheet
- Debt/Equity
- 0.46
- Current Ratio
- 41.88
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.