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Uwharrie Capital Corp (UWHR) Fair Value & Analysis

Financial Services · US · Market cap $82.0M

Price$11.64
Fair Value$19.63
Upside+68.6%
Quality94/100
Evidence: High Range $14.72 – $24.54

Fair value as of: Jun 26, 2026

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Analysis

Uwharrie Capital Corp (UWHR) currently trades at $11.64, while our model-based Fair Value estimate is $19.63 — implying the stock looks roughly 68.6% undervalued today. We read business quality at 94/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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. 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 Metropolit…

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Frequently asked questions

Is Uwharrie Capital Corp (UWHR) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $19.63 versus a price of $11.64 — about +69% (undervalued). Model-based estimate, not financial advice.
What is the fair value of UWHR?
Our 21-model fair value for Uwharrie Capital Corp is $19.63 (as of Jun 26, 2026), built from audited fundamentals. The current price is $11.64.
What is the quality score of UWHR?
Uwharrie Capital Corp has a Quality Score of 94/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.