Uwharrie Capital Corp (UWHR) Fair Value & Analysis

Financial Services · US · Market cap $82.0M

A solid business, screening 44% undervalued on our models.

What matters now

• The price is below even our cautious bear case ($14.72). The market is more pessimistic than our downside scenario.
• Solid quality (51/100) at a price below fair value, the discount is the argument here, not the business quality.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $1.53 – $13.67 · fair‑value band $14.72 – $24.54 · the $13.67 price screens below the $19.63 fair value. Dashed = 300-day average. As of Jul 27, 2026.

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Analysis

Uwharrie Capital Corp (UWHR) currently trades at $13.67, while our model-based Fair Value estimate is $19.63, implying the stock looks roughly 43.6% undervalued today. The Quality Score stands at 51/100 (solid 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.

Over the trailing twelve months, Uwharrie Capital Corp generated revenue of $51.0M at a net margin of 22.5%. Revenue grew 14.1% year over year. It earns a return on equity of 17.3%. The stock trades on a trailing P/E of 7.2. Fundamentals as of Jul 27, 2026

Our scenario range runs from $14.72 (bear case) to $24.54 (bull case); at $13.67, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 54% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 44%, UWHR screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($12.72) versus Dividend Discount ($0.8200). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

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.

Full company description

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

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

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Peer Group

Banks - Regional · 1083 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Insider activity: 40/100

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

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.