UWHARRIE CAPITAL CORP UWHR

OTC · stock · State Commercial Banks · website · IPO 2004-02-06 · LEI

UWHARRIE CAPITAL CORP statistics & valuation

Market cap$80.7M

P / B1.1×

P / FCF9.8×

Net cash$44.3M

Enterprise value USD$36.4M

Graham number +31.2%$18.71

Market cap as of 2026-06-30. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($18.71); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)

Operating margin (%)

Return on equity (%)

Shares outstanding

Net debt ($)

Share buybacks ($)

Return on assets (%)

Free cash flow margin (%)

Debt / equity (×)

EPS ($)

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

UWHARRIE CAPITAL CORP trades at about 9.6× earnings — above its 10-year norm (10-year range 5.1×–39.7×, median 7.3×).

5.1× 39.7×

Shaded band = 10-year range (5.1×–39.7×); dot = today's 9.6×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

Ratio	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016
Return on assets	—	—	—	—	—	—	—	—	—	0.3%
Return on equity	—	—	—	—	—	—	—	—	—	3.7%
Debt / equity	0.38×	0.51×	0.59×	0.79×	0.49×	0.19×	0.20×	0.22×	0.21×	0.22×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.