How does UWHR's PE Ratio compare to its peers?

UWHR is good value based on its Price-To-Earnings Ratio (6.3x) compared to the peer average (12.3x).

How does UWHR's PE Ratio compare vs other companies in the US Banks Industry?

UWHR is good value based on its Price-To-Earnings Ratio (6.3x) compared to the US Banks industry average (12.4x).

What is UWHR's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate UWHR's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of UWHR when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

UWHR ($8.3) is trading below our estimate of [[fair value]] ($23.5)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

UWHR Stock Overview

Operates as the bank holding company for Uwharrie Bank that provides commercial banking services to individuals and small to medium-sized businesses in North Carolina. More details

UWHR fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	4/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 64.7% below our estimate of its fair value

Earnings grew by 7.3% over the past year

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($59M)

My Notes

Capture your thoughts, links and company narrative

Uwharrie Capital Corp Competitors

Citizens Bancorp

OTCPK:CZBC

US$56.7m

US Metro Bancorp

OTCPK:USMT

US$59.3m

Oak Ridge Financial Services

OTCPK:BKOR

US$57.3m

Central Plains Bancshares

NasdaqCM:CPBI

US$59.6m

Price History & Performance

Summary of share price highs, lows and changes for Uwharrie Capital
Historical stock prices
Current Share Price	US$8.30
52 Week High	US$8.50
52 Week Low	US$7.12
Beta	-0.11
1 Month Change	-1.19%
3 Month Change	5.83%
1 Year Change	n/a
3 Year Change	-1.65%
5 Year Change	64.58%
Change since IPO	142.81%

Recent updates

Shareholder Returns

	UWHR	US Banks	US Market
7D	0%	0.8%	0.6%
1Y	n/a	29.4%	23.7%

Return vs Industry: Insufficient data to determine how UWHR performed against the US Banks industry.

Return vs Market: Insufficient data to determine how UWHR performed against the US Market.

Price Volatility

Is UWHR's price volatile compared to industry and market?
UWHR volatility
UWHR Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.5%
10% least volatile stocks in US Market	3.1%

Stable Share Price: UWHR's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine UWHR's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1983	182	Roger Dick	www.uwharrie.com

Uwharrie Capital Corp operates as the bank holding company for Uwharrie Bank that provides commercial banking services to individuals and small to medium-sized businesses in North Carolina. It accepts personal and commercial checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. The company’s loan portfolio comprises commercial loans and various consumer-type loans to individuals, including installment and mortgage loans, equity lines of credit, and overdraft checking credit.

Uwharrie Capital Corp Fundamentals Summary

How do Uwharrie Capital's earnings and revenue compare to its market cap?
UWHR fundamental statistics
Market cap	US$58.83m
Earnings (TTM)	US$9.33m
Revenue (TTM)	US$43.72m

6.3x

P/E Ratio

1.2x

P/B Ratio

Is UWHR overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UWHR income statement (TTM)
Revenue	US$43.72m
Cost of Revenue	US$0
Gross Profit	US$43.72m
Other Expenses	US$34.38m
Earnings	US$9.33m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.32
Gross Margin	100.00%
Net Profit Margin	21.35%
Debt/Equity Ratio	50.0%

How did UWHR perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/30 21:00
End of Day Share Price	2024/12/23 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Uwharrie Capital Corp is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution