Uwharrie Capital Corp Logo

Uwharrie Capital Corp

UWHR

(2.2)
Stock Price

8,30 USD

0.75% ROA

21.9% ROE

6.72x PER

Market Cap.

56.098.240,00 USD

86.19% DER

0% Yield

16.43% NPM

Uwharrie Capital Corp Stock Analysis

Uwharrie Capital Corp Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Uwharrie Capital Corp Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (33.89%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 ROA

The stock's ROA (0.91%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 PBV

The stock's PBV ratio (1.81x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

5 DER

The stock maintains a fair debt to equity ratio (97%), indicating a reasonable balance between the money it owes and the ownership it possesses.

6 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

7 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (33) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

10 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

11 Dividend

The company's decision to withhold dividends for three years raises questions about its ability to generate consistent returns.

Uwharrie Capital Corp Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Uwharrie Capital Corp Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Buy

Uwharrie Capital Corp Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Uwharrie Capital Corp Revenue
Year Revenue Growth
1999 8.783.835
2000 10.873.134 19.22%
2001 12.460.084 12.74%
2002 13.766.598 9.49%
2003 15.150.518 9.13%
2004 15.442.351 1.89%
2005 16.882.033 8.53%
2006 19.120.000 11.7%
2007 21.623.000 11.58%
2008 22.491.000 3.86%
2009 24.996.000 10.02%
2010 28.434.000 12.09%
2011 27.341.000 -4%
2012 28.848.000 5.22%
2013 24.318.000 -18.63%
2014 23.818.000 -2.1%
2015 24.824.000 4.05%
2016 27.067.000 8.29%
2017 27.464.000 1.45%
2018 27.563.000 0.36%
2019 28.424.000 3.03%
2020 41.719.000 31.87%
2021 43.851.000 4.86%
2022 5.391.000 -713.41%
2023 41.872.000 87.13%
2023 58.620.000 28.57%
2024 62.264.000 5.85%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Uwharrie Capital Corp Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Uwharrie Capital Corp General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 -3.779.370
2000 -4.580.518 17.49%
2001 -4.946.391 7.4%
2002 -6.028.685 17.95%
2003 -6.853.200 12.03%
2004 -7.154.708 4.21%
2005 8.001.849 189.41%
2006 9.130.000 12.36%
2007 10.156.000 10.1%
2008 10.637.000 4.52%
2009 13.277.000 19.88%
2010 13.680.000 2.95%
2011 14.066.000 2.74%
2012 14.807.000 5%
2013 14.083.000 -5.14%
2014 14.417.000 2.32%
2015 15.595.000 7.55%
2016 17.691.000 11.85%
2017 18.415.000 3.93%
2018 16.594.000 -10.97%
2019 17.254.000 3.83%
2020 20.175.000 14.48%
2021 21.865.000 7.73%
2022 19.950.000 -9.6%
2023 20.184.000 1.16%
2023 20.402.000 1.07%
2024 21.504.000 5.12%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Uwharrie Capital Corp EBITDA
Year EBITDA Growth
1999 7.691.994
2000 10.792.589 28.73%
2001 10.869.078 0.7%
2002 1.763.769.322 99.38%
2003 1.565.027.553 -12.7%
2004 258.675.185 -505.02%
2005 1.523.903.132 83.03%
2006 625.000 -243724.5%
2007 625.000 0%
2008 676.000 7.54%
2009 10.035.000 93.26%
2010 8.348.000 -20.21%
2011 7.341.000 -13.72%
2012 6.329.000 -15.99%
2013 5.267.000 -20.16%
2014 5.327.000 1.13%
2015 5.551.000 4.04%
2016 5.577.000 0.47%
2017 5.695.000 2.07%
2018 6.098.000 6.61%
2019 5.199.000 -17.29%
2020 12.467.000 58.3%
2021 15.332.000 18.69%
2022 14.702.000 -4.29%
2023 10.828.000 -35.78%
2023 9.468.000 -14.36%
2024 -2.384.000 497.15%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Uwharrie Capital Corp Gross Profit
Year Gross Profit Growth
1999 8.783.835
2000 10.873.134 19.22%
2001 12.460.084 12.74%
2002 13.766.598 9.49%
2003 15.150.518 9.13%
2004 15.442.351 1.89%
2005 19.160.599.000 99.92%
2006 5.469.000 -350249.22%
2007 6.590.000 17.01%
2008 6.755.000 2.44%
2009 24.996.000 72.98%
2010 24.487.000 -2.08%
2011 19.085.000 -28.3%
2012 18.173.000 -5.02%
2013 16.731.000 -8.62%
2014 16.497.000 -1.42%
2015 16.114.000 -2.38%
2016 16.736.000 3.72%
2017 18.063.000 7.35%
2018 648.000 -2687.5%
2019 28.424.000 97.72%
2020 41.719.000 31.87%
2021 43.851.000 4.86%
2022 5.391.000 -713.41%
2023 41.872.000 87.13%
2023 9.468.000 -342.25%
2024 72.968.000 87.02%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Uwharrie Capital Corp Net Profit
Year Net Profit Growth
1999 1.152.384
2000 1.172.379 1.71%
2001 1.705.059 31.24%
2002 1.757.961 3.01%
2003 1.559.819 -12.7%
2004 253.331 -515.72%
2005 1.516.591 83.3%
2006 2.071.000 26.77%
2007 2.959.000 30.01%
2008 2.029.000 -45.84%
2009 690.000 -194.06%
2010 713.000 3.23%
2011 900.000 20.78%
2012 404.000 -122.77%
2013 476.000 15.13%
2014 1.088.000 56.25%
2015 1.415.000 23.11%
2016 1.618.000 12.55%
2017 1.019.000 -58.78%
2018 1.907.000 46.57%
2019 2.523.000 24.42%
2020 7.540.000 66.54%
2021 9.518.000 20.78%
2022 7.684.000 -23.87%
2023 8.028.000 4.29%
2023 8.031.000 0.04%
2024 8.288.000 3.1%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Uwharrie Capital Corp Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 1 0%
2021 1 100%
2022 1 0%
2023 1 0%
2023 1 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Uwharrie Capital Corp Free Cashflow
Year Free Cashflow Growth
1999 1.132.181
2000 561.986 -101.46%
2001 732.405 23.27%
2002 547.298 -33.82%
2003 -604.126 190.59%
2004 2.175.111 127.77%
2005 2.652.569 18%
2006 1.577.000 -68.2%
2007 3.473.000 54.59%
2008 -19.000 18378.95%
2009 -1.647.000 98.85%
2010 -1.968.000 16.31%
2011 8.900.000 122.11%
2012 -1.250.000 812%
2013 8.719.000 114.34%
2014 976.000 -793.34%
2015 -562.000 273.67%
2016 3.214.000 117.49%
2017 4.023.000 20.11%
2018 3.169.000 -26.95%
2019 5.464.000 42%
2020 1.437.000 -280.24%
2021 -4.313.000 133.32%
2022 30.468.000 114.16%
2023 1.576.000 -1833.25%
2023 8.141.001 80.64%
2024 3.526.000 -130.88%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Uwharrie Capital Corp Operating Cashflow
Year Operating Cashflow Growth
1999 1.809.325
2000 1.147.068 -57.73%
2001 2.402.796 52.26%
2002 2.383.439 -0.81%
2003 2.550.801 6.56%
2004 3.032.098 15.87%
2005 3.198.171 5.19%
2006 2.390.000 -33.81%
2007 4.144.000 42.33%
2008 3.039.000 -36.36%
2009 1.651.000 -84.07%
2010 -243.000 779.42%
2011 10.273.000 102.37%
2012 -420.000 2545.95%
2013 9.207.000 104.56%
2014 3.201.000 -187.63%
2015 154.000 -1978.57%
2016 3.871.000 96.02%
2017 5.753.000 32.71%
2018 3.998.000 -43.9%
2019 6.727.000 40.57%
2020 2.157.000 -211.87%
2021 -3.548.000 160.79%
2022 30.904.000 111.48%
2023 1.901.000 -1525.67%
2023 10.155.000 81.28%
2024 3.689.000 -175.28%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Uwharrie Capital Corp Capital Expenditure
Year Capital Expenditure Growth
1999 677.144
2000 585.082 -15.73%
2001 1.670.391 64.97%
2002 1.836.141 9.03%
2003 3.154.927 41.8%
2004 856.987 -268.14%
2005 545.602 -57.07%
2006 813.000 32.89%
2007 671.000 -21.16%
2008 3.058.000 78.06%
2009 3.298.000 7.28%
2010 1.725.000 -91.19%
2011 1.373.000 -25.64%
2012 830.000 -65.42%
2013 488.000 -70.08%
2014 2.225.000 78.07%
2015 716.000 -210.75%
2016 657.000 -8.98%
2017 1.730.000 62.02%
2018 829.000 -108.69%
2019 1.263.000 34.36%
2020 720.000 -75.42%
2021 765.000 5.88%
2022 436.000 -75.46%
2023 325.000 -34.15%
2023 2.013.999 83.86%
2024 163.000 -1135.58%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Uwharrie Capital Corp Equity
Year Equity Growth
1999 17.060.787
2000 19.182.120 11.06%
2001 20.556.105 6.68%
2002 25.122.204 18.18%
2003 27.851.674 9.8%
2004 27.155.799 -2.56%
2005 27.452.776 1.08%
2006 29.633.000 7.36%
2007 31.574.000 6.15%
2008 41.233.000 23.43%
2009 44.024.000 6.34%
2010 43.493.000 -1.22%
2011 45.603.000 4.63%
2012 42.729.000 -6.73%
2013 40.509.000 -5.48%
2014 42.262.000 4.15%
2015 43.314.000 2.43%
2016 43.525.000 0.48%
2017 44.540.000 2.28%
2018 45.175.000 1.41%
2019 48.858.000 7.54%
2020 59.237.000 17.52%
2021 60.787.000 2.55%
2022 37.397.000 -62.55%
2023 49.441.000 24.36%
2023 37.070.000 -33.37%
2024 52.132.000 28.89%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Uwharrie Capital Corp Assets
Year Assets Growth
1999 192.716.572
2000 228.456.143 15.64%
2001 238.767.894 4.32%
2002 250.763.104 4.78%
2003 300.528.525 16.56%
2004 329.261.995 8.73%
2005 350.189.865 5.98%
2006 383.261.000 8.63%
2007 411.944.000 6.96%
2008 452.468.000 8.96%
2009 477.846.000 5.31%
2010 535.426.000 10.75%
2011 526.902.000 -1.62%
2012 545.007.000 3.32%
2013 517.320.000 -5.35%
2014 518.464.000 0.22%
2015 532.202.000 2.58%
2016 548.230.000 2.92%
2017 576.358.000 4.88%
2018 632.304.000 8.85%
2019 656.793.000 3.73%
2020 827.770.000 20.66%
2021 939.680.000 11.91%
2022 1.019.490.000 7.83%
2023 1.073.857.000 5.06%
2023 1.069.802.000 -0.38%
2024 1.123.260.000 4.76%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Uwharrie Capital Corp Liabilities
Year Liabilities Growth
1999 175.655.785
2000 209.274.023 16.06%
2001 218.211.789 4.1%
2002 225.640.900 3.29%
2003 272.676.851 17.25%
2004 302.106.196 9.74%
2005 322.737.089 6.39%
2006 353.628.000 8.74%
2007 380.370.000 7.03%
2008 411.235.000 7.51%
2009 433.822.000 5.21%
2010 491.933.000 11.81%
2011 481.299.000 -2.21%
2012 502.278.000 4.18%
2013 476.811.000 -5.34%
2014 476.202.000 -0.13%
2015 488.888.000 2.59%
2016 504.705.000 3.13%
2017 531.818.000 5.1%
2018 587.129.000 9.42%
2019 607.935.000 3.42%
2020 768.533.000 20.9%
2021 878.893.000 12.56%
2022 982.093.000 10.51%
2023 1.024.415.999 4.13%
2023 1.032.732.000 0.81%
2024 1.071.127.999 3.58%

Uwharrie Capital Corp Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
7.87
Net Income per Share
1.19
Price to Earning Ratio
6.72x
Price To Sales Ratio
1x
POCF Ratio
5.53
PFCF Ratio
6.09
Price to Book Ratio
1.37
EV to Sales
0.64
EV Over EBITDA
20.3
EV to Operating CashFlow
3.46
EV to FreeCashFlow
3.86
Earnings Yield
0.15
FreeCashFlow Yield
0.16
Market Cap
0,06 Bil.
Enterprise Value
0,04 Bil.
Graham Number
12.52
Graham NetNet
-97.33

Income Statement Metrics

Net Income per Share
1.19
Income Quality
1.2
ROE
0.23
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.74
EBT Per Ebit
1.2
Ebit per Revenue
0.19
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0.38
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.05
Operating Profit Margin
0.19
Pretax Profit Margin
0.22
Net Profit Margin
0.16

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0.07
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
1.45
Free CashFlow per Share
1.3
Capex to Operating CashFlow
0.1
Capex to Revenue
0.02
Capex to Depreciation
0.59
Return on Invested Capital
0.1
Return on Tangible Assets
0.01
Days Sales Outstanding
30.64
Days Payables Outstanding
0
Days of Inventory on Hand
58474.32
Receivables Turnover
11.91
Payables Turnover
0
Inventory Turnover
0.01
Capex per Share
0.15

Balance Sheet

Cash per Share
57,55
Book Value per Share
7,35
Tangible Book Value per Share
6.77
Shareholders Equity per Share
5.85
Interest Debt per Share
6.8
Debt to Equity
0.86
Debt to Assets
0.03
Net Debt to EBITDA
-11.74
Current Ratio
0.09
Tangible Asset Value
0,05 Bil.
Net Current Asset Value
-1,01 Bil.
Invested Capital
-603586000
Working Capital
-0,62 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
-208408500
Debt to Market Cap
0.64

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Uwharrie Capital Corp Dividends
Year Dividends Growth

Uwharrie Capital Corp Profile

About Uwharrie Capital Corp

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.

CEO
Mr. Roger Lee Dick
Employee
171
Address
132 North First Street
Albemarle, 28001

Uwharrie Capital Corp Executives & BODs

Uwharrie Capital Corp Executives & BODs
# Name Age
1 Ms. JoAnne Burleson
Financial Advisor, Principal & SVice President
70
2 Brooke L. Senter
Chief People Officer
70
3 Ms. Christy Davis Stoner
Chief Marketing Officer
70
4 Mr. Roger Lee Dick
President, Chief Executive Officer & Advisory Director
70
5 Mr. R. David Beaver III
Chief Risk Officer
70
6 Mr. Jeffrey L. Trout
President of Uwharrie Bank Mortgage
70
7 Ms. Heather H. Almond
Chief Financial Officer
70
8 Mr. Jason R. Andrew
Chief Operations Officer
70
9 Mike Massey
Senior Vice President & Director of Administration
70
10 Ms. Tamara M. Singletary
Executive Vice President of Investor Relations & Corporate Secretary
70

Uwharrie Capital Corp Competitors