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Uwharrie Capital Corp (UWHR) fair value: what the stock is really worth

As of Oct 30, 2026: fair value (intrinsic value) of Uwharrie Capital Corp stock $15.99, price $14.39, upside +11.1%, quality 52 out of 100. Rating: undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

UC Uwharrie Capital Corp logo Some data Nov 4, 2026

Uwharrie Capital Corp

UWHR · US
Undervalued, in an uptrend

The stock costs 10% less than our calculation considers fair.

Fair value $15.99 · Undervalued
Healthy Growth (revenue 5y +4.1 %/yr in USD)
Highly profitable · 23.7% net margin (TTM)
Last quarter vs. a year ago: revenue +17%, profit +43%.
Quality 52/100
Mixed vs. peers (5/12)
Wide moat 71/100 · thin data
Insiders sold $103,179 (6M)
Some data
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$14.80 $1.02 Fair Value $15.99 Aug 2013 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.

How to read this chart

60‑month range $1.02 – $14.80 · fair‑value band $12.00 – $19.99 · the $14.39 price screens below the $15.99 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.

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Company profile

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.

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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.

It also provides internet, mobile, and telephone banking services, as well as check and credit cards; and sells various insurance products comprising fixed annuities, life and disability insurance, long-term care products, and Medicare supplements.

In addition, the company offers securities broker-dealer and mortgage brokerage services. Further, it provides trustee and portfolio management; and advisory services to customers in the Charlotte Metropolitan and Uwharrie Lakes Regions.

Uwharrie Capital Corp was founded in 1983 and is headquartered in Albemarle, North Carolina.

Stock analysis

Uwharrie Capital Corp (UWHR) currently trades at $14.39, while our model-based Fair Value estimate is $15.99, implying the stock looks roughly 10% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $15.99 per share, and 1 of the 4 models we run sit above the $14.39 price.

Bear case: the Asset-Based group reads lowest at $5.84, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $12.00 (bear) to $19.99 (bull), the price of $14.39 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Uwharrie Capital Corp reported revenue of $49.4M in FY2025 versus $43.9M in FY2021, a compound +3.0%/yr. Reported net income was $10.8M in FY2025, compounding +3.2%/yr from FY2021.

Key figures

Market cap $103M Micro · P/E ratio 8.2 · P/S ratio 1.95 · EPS (TTM) $1.75 · Net margin 23.7% · Return on equity 17.9% · Return on assets (EBIT) 0.9% (5-year average) · Operating margin 38.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 71 out of 100 (low confidence).

What moves the price

The share trades about 3% below its 52-week high and 48% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 11%, UWHR screens cheaper than that median.

Fair Value models

Bear $12.00 Fair Value $15.99 Bull $19.99
Price $14.39 · Upside +11.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.50 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $8.92 $10.95 $15.09 70
P/E Multiple $14.84 $19.78 $24.73 63
P/B Multiple $9.15 $12.20 $15.25 55
All 4 models by family
Multiples
P/E Multiple $14.84 $19.78 $24.73 63
P/B Multiple $9.15 $12.20 $15.25 55
Asset-Based
NCAV (Graham) $4.36 $5.84 $8.71 54
Economic Profit
Residual Income $8.92 $10.95 $15.09 70

Open the full fair value analysis →

Quality Score breakdown

Overall quality 52/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 37
How much profit the company makes from its sales and capital
Quality Growth 37
Are margins and returns getting better?
Cashflow 63
Do the profits arrive as real cash?
Financial strength 20
Debt, balance sheet and risk of trouble
Investment 55
Does it invest with discipline instead of growing at any price?
Low Volatility 72
How calm the share price moves, does not count
Price momentum 79
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 97
Distance to the 52-week high, does not count
New shares 87
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director sold shares worth $103,179 and none bought.

  • SaleR David Beaver IIIChief Risk Officer6,981 shares at $14.78$103,179Aug 19, 2026
  • BuyRoger L DickPresident/CEO of UCC889 shares at $10.95$9,735Dec 31, 2025
  • BuyS Todd SwaringenDirector2× since Dec 15, 2025: 320 shares, avg. $10.50$3,360Dec 15, 2025

Plus 21 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 77/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+9.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.1%
Start year 2020 (pandemic). Over 10 years: +6.9% a year
Revenue growth 14 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.1%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+7.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.1%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.7.1% vs 21.4%, slowing
Pace: the 5-year rate starts in 2020 (pandemic)

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside +11.1% · Top 25%
Profitability
Return on equity (12 months) 17.9% · Top 25%
Return on assets 0.9% · Below median
Net margin (12 months) 23.7% · Below median
Operating margin (12 months) 38.9% · Below median
Growth and dividend
Revenue growth (quarter YoY) 17.3% · Above median
Balance sheet
Debt / equity 0.45× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 8.2× · Cheapest 25%
P/B 1.59× · Priciest 25%
P/S (12 months) 1.95× · Cheapest 25%
Price / free cash flow (fiscal year) 12.6× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)48 · sector 8
FUTURE (revenue growth)87 · sector 47
PAST (return on equity)72 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs UWHR
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs UWHR
BNP Paribas SA BNP €91.93 €106.01 +15% vs UWHR
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs UWHR
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs UWHR
UniCredit S.p.A UCG €76.80 €50.44 −34% vs UWHR
Mizuho Financial Group MFG $9.40 $5.89 −37% vs UWHR
DBS Group D05 69.72 SGD 40.39 SGD −42% vs UWHR
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs UWHR
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs UWHR

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Cite: Fair Value Calculator (2026). "Uwharrie Capital Corp Fair Value". https://www.fairvalue-calculator.com/stock/UWHR

Frequently asked questions

Is Uwharrie Capital Corp (UWHR) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $15.99 versus the last price from Oct 30, 2026 of $14.39, about +11% upside (undervalued).
What is the fair value of UWHR?
Our model-based fair value for Uwharrie Capital Corp is $15.99 (as of Nov 4, 2026), built from audited fundamentals. Last price (from Oct 30, 2026): $14.39.
What is the quality score of UWHR?
Uwharrie Capital Corp has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Uwharrie Capital Corp (UWHR)?
Our model-based price target is the fair value of $15.99 (as of Nov 4, 2026) from 4 valuation models. Cautious scenario $12.00, optimistic scenario $19.99. It is a calculation from audited fundamentals, not an analyst target.
What is the Uwharrie Capital Corp stock forecast for 2026?
Our models put fair value at $15.99, about +11% upside versus the last price from Oct 30, 2026 of $14.39 (undervalued). Cautious scenario $12.00, optimistic scenario $19.99. The calculation is refreshed regularly with new filings.
What is the revenue of Uwharrie Capital Corp (UWHR)?
Uwharrie Capital Corp reported trailing-twelve-month revenue of about $53.0M (latest available figure, as of Nov 4, 2026).
What is the intrinsic value of Uwharrie Capital Corp (UWHR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Uwharrie Capital Corp it is $15.99 per share (as of Nov 4, 2026), against a price of $14.39. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Uwharrie Capital Corp stock overvalued or undervalued in 2026?
As of Nov 4, 2026, UWHR trades below its calculated fair value: price $14.39, fair value $15.99, a gap of about +11% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of UWHR?
No. The price is what the market pays today ($14.39); the fair value is what the company's own numbers justify ($15.99). For Uwharrie Capital Corp the two are $1.60 per share apart. That gap is exactly why we show both numbers side by side.
How much is Uwharrie Capital Corp worth?
The market values Uwharrie Capital Corp at about $103M (market capitalisation, as of Nov 4, 2026). Per share that is $14.39; our models calculate a fair value of $15.99 per share.
What do the bullish and bearish scenarios say about UWHR?
Our models span a range for Uwharrie Capital Corp: cautious scenario $12.00, base $15.99, optimistic $19.99 per share (as of Nov 4, 2026, price $14.39). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of UWHR?
Uwharrie Capital Corp trades at a price-to-earnings ratio of 8.2 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $15.99 is built from several models across several years. Other multiples: P/B 1.6, P/S 1.9.
How solid is the balance sheet of Uwharrie Capital Corp (UWHR)?
Balance-sheet figures for Uwharrie Capital Corp (as of Nov 4, 2026): return on equity 17.9%, debt of 0.45 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is UWHR from its 52-week high?
Uwharrie Capital Corp trades at $14.39, about 3% below its 52-week high of $14.80 and 48% above the low of $9.75 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $15.99 is for.
Which stocks are comparable to Uwharrie Capital Corp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Uwharrie Capital Corp stock attractive at the current price?
The data as of Nov 4, 2026: price $14.39, calculated fair value $15.99 (+11%), Quality Score 52/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of UWHR calculated?
We run Uwharrie Capital Corp through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $15.99 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Uwharrie Capital Corp currently trades 10% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Uwharrie Capital Corp (UWHR)?
The latest price we hold is from Oct 30, 2026 and stands at $14.39. Our model-based fair value is $15.99, about +11% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Uwharrie Capital Corp right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.

Key figures of Uwharrie Capital Corp

How large is the market capitalisation of Uwharrie Capital Corp (UWHR)?
The market capitalisation of Uwharrie Capital Corp is $103M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Uwharrie Capital Corp (UWHR)?
The price-to-sales ratio of Uwharrie Capital Corp is 1.95 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Uwharrie Capital Corp (UWHR)?
Earnings per share at Uwharrie Capital Corp are $1.75 (price ÷ EPS = P/E 8.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Uwharrie Capital Corp (UWHR)?
The net margin of Uwharrie Capital Corp is 23.7% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Uwharrie Capital Corp (UWHR)?
The return on equity (ROE) of Uwharrie Capital Corp is 17.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Uwharrie Capital Corp (UWHR)?
On an EBIT basis the return on assets of Uwharrie Capital Corp is 0.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Uwharrie Capital Corp (UWHR)?
The operating margin of Uwharrie Capital Corp is 38.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Uwharrie Capital Corp (UWHR)?
Revenue at Uwharrie Capital Corp is growing +17.3% versus a year earlier (3y avg +7.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Uwharrie Capital Corp (UWHR)?
Earnings per share at Uwharrie Capital Corp are growing +43.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Uwharrie Capital Corp (UWHR) generate?
The free cash flow of Uwharrie Capital Corp is $8.2M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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