OTCPK:UWHR

Stock Analysis Report

Executive Summary

Uwharrie Capital Corp operates as the bank holding company for Uwharrie Bank that provides commercial and consumer banking services to individuals and small to medium-sized businesses in North Carolina.

Snowflake

Fundamentals

Flawless balance sheet and fair value.

Risks

  • Uwharrie Capital is not covered by any analysts.

Share Price & News

How has Uwharrie Capital's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.002%

OTCPK:UWHR

-1.8%

US Banks

-1.6%

US Market


1 Year Return

-12.3%

OTCPK:UWHR

-16.1%

US Banks

-3.0%

US Market

UWHR outperformed the Banks industry which returned -13.8% over the past year.

UWHR underperformed the Market in United States of America which returned -0% over the past year.


Share holder returns

UWHRIndustryMarket
7 Day0.002%-1.8%-1.6%
30 Day0.002%-10.6%-5.8%
90 Day-1.0%-5.0%0.2%
1 Year-12.3%-12.3%-13.7%-16.1%-0.8%-3.0%
3 Year10.6%10.6%37.9%28.5%38.0%29.1%
5 Year76.8%76.8%49.4%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Uwharrie Capital's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Uwharrie Capital undervalued based on future cash flows and its price relative to the stock market?

12.06x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Uwharrie Capital's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Uwharrie Capital's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Uwharrie Capital is good value based on earnings compared to the US Banks industry average.

Uwharrie Capital is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Uwharrie Capital, we can't assess if its growth is good value.


Price Based on Value of Assets

Uwharrie Capital is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Uwharrie Capital expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

16.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Uwharrie Capital is high growth as no revenue estimate data is available.

Uwharrie Capital's earnings are expected to grow by 16.3% yearly, however this is not considered high growth (20% yearly).

Unable to compare Uwharrie Capital's revenue growth to the United States of America market average as no estimate data is available.

Uwharrie Capital's earnings growth is expected to exceed the United States of America market average.

Uwharrie Capital's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Uwharrie Capital will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Uwharrie Capital performed over the past 5 years?

12.6%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Uwharrie Capital's year on year earnings growth rate has been positive over the past 5 years.

Uwharrie Capital's 1-year earnings growth exceeds its 5-year average (492.7% vs 12.6%)

Uwharrie Capital's earnings growth has exceeded the US Banks industry average in the past year (492.7% vs 33.1%).


Return on Equity

Uwharrie Capital has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Uwharrie Capital used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Uwharrie Capital improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Uwharrie Capital's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Uwharrie Capital has an acceptable proportion of non-loan assets held.

Uwharrie Capital has a sufficient allowance for bad loans.

Uwharrie Capital's liabilities are made up of primarily low risk sources of funding.

Uwharrie Capital's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Uwharrie Capital are broadly funded by customer deposits.

Uwharrie Capital has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Uwharrie Capital's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Uwharrie Capital's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Uwharrie Capital's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Uwharrie Capital has not reported any payouts.

Unable to verify if Uwharrie Capital's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Uwharrie Capital has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Uwharrie Capital's salary, the management and board of directors tenure and is there insider trading?

15.2yrs

Average management tenure


CEO

Roger Dick (67yo)

36.6yrs

Tenure

US$456,363

Compensation

Mr. Roger Lee Dick serves as the President and Chief Executive Officer of Uwharrie Capital Corp. He serves as a Cashier at Uwharrie Bank. He is a business graduate of Appalachian State University and recei ...


CEO Compensation Analysis

Roger's remuneration is about average for companies of similar size in United States of America.

Roger's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

15.2yrs

Average Tenure

67yo

Average Age

The average tenure for the Uwharrie Capital management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

14.9yrs

Average Tenure

63yo

Average Age

The average tenure for the Uwharrie Capital board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

BuyUS$3,64528 Dec 18
Roger Dick
EntityIndividual
Role
Chief Executive Officer
President & CEO
Shares700
Max PriceUS$5.25
BuyUS$2,70028 Dec 18
Allen Furr
EntityIndividual
Shares500
Max PriceUS$5.40

Ownership Breakdown


Management Team

  • Roger Dick (67yo)

    President & CEO

    • Tenure: 36.6yrs
    • Compensation: US$456.36k
  • Bill Lawhon (67yo)

    Chief Executive Officer of Bank of Stanly and President of Bank of Stanly

    • Tenure: 0.0yrs
    • Compensation: US$157.38k
  • Tamara Singletary (59yo)

    Executive VP of Investor Relations & Corporate Secretary

    • Tenure: 0.0yrs
  • Pat Horton (67yo)

    Market President of Uwharrie Bank

    • Tenure: 15.2yrs
    • Compensation: US$149.85k
  • Brendan Duffey (70yo)

    Executive VP

    • Tenure: 15.3yrs
    • Compensation: US$419.45k
  • R. Beaver (35yo)

    Chief Financial Officer

    • Tenure: 6.6yrs
    • Compensation: US$290.76k
  • Mike Massey

    Senior VP & Director of Administration

    • Tenure: 0.0yrs
  • Susan Gibson

    Vice President of Human Resources

    • Tenure: 0.0yrs

Board Members

  • James Campbell (62yo)

    Director

    • Tenure: 8.6yrs
    • Compensation: US$2.02k
  • Cynthia Mynatt (63yo)

    Director

    • Tenure: 16.6yrs
    • Compensation: US$600.00
  • James Nance (67yo)

    Director

    • Tenure: 35.6yrs
    • Compensation: US$900.00
  • Thomas Hearne (68yo)

    Director

    • Tenure: 15.6yrs
    • Compensation: US$2.13k
  • W. Lowder (70yo)

    Director

    • Tenure: 24.6yrs
    • Compensation: US$900.00
  • Joe Brooks (69yo)

    Director

    • Tenure: 14.3yrs
    • Compensation: US$2.13k
  • Harvey Leavitt (60yo)

    Director

    • Tenure: 12.6yrs
    • Compensation: US$900.00
  • Tara Eudy (52yo)

    Board Vice Chair

    • Tenure: 0.0yrs
    • Compensation: US$900.00
  • Alex Rankin (63yo)

    Board Chair

    • Tenure: 0.0yrs
    • Compensation: US$4.18k
  • Dean Bowers (50yo)

    Director

    • Tenure: 1.3yrs

Company Information

Uwharrie Capital Corp's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Uwharrie Capital Corp
  • Ticker: UWHR
  • Exchange: OTCPK
  • Founded: 1993
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$34.654m
  • Shares outstanding: 7.07m
  • Website: https://www.uwharrie.com

Number of Employees


Location

  • Uwharrie Capital Corp
  • 132 North First Street
  • Albemarle
  • North Carolina
  • 28001
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
UWHROTCPK (Pink Sheets LLC)YesCommon StockUSUSDFeb 2004

Biography

Uwharrie Capital Corp operates as the bank holding company for Uwharrie Bank that provides commercial and consumer banking services to individuals and small to medium-sized businesses in North Carolina. Th ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 23:49
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.