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Uwharrie Capital Corp UWHR

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Price alert · UWHR

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14.39 USD +0.06 +0.42%

At close · Oct 30

14.33 Day range 14.43
9.75 52-week range 14.99
YTD
+31.42%
1 year
+41.36%
Open
14.33
Prev close
14.33
Mkt cap
102.01M
Vol
2.04K
Avg vol
2.90K
EPS
1.75
P/E
8.22
More statistics
Low
14.33
High
14.43

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Financial health

Altman Z-Score

0.60 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 5
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 4
  • P/B 3

Valuation

P/E 7.3×
FY 2016: 22.3×FY 2017: 36.4×FY 2018: 17.8×FY 2019: 15.5×FY 2020: 4.9×FY 2021: 6.6×FY 2022: 7.2×FY 2023: 7.3×FY 2024: 6.7×FY 2025: 7.3×
FY 2016 5y median 7.2× FY 2025
P/S 1.1×
FY 2016: 1.4×FY 2017: 1.4×FY 2018: 1.2×FY 2019: 1.2×FY 2020: 0.8×FY 2021: 1.4×FY 2022: 1.3×FY 2023: 1.1×FY 2024: 1.0×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/B 1.2×
FY 2016: 1.1×FY 2017: 1.1×FY 2018: 1.0×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 1.2×FY 2022: 2.0×FY 2023: 1.5×FY 2024: 1.3×FY 2025: 1.2×
FY 2016 5y median 1.3× FY 2025
P/FCF 9.7×
FY 2016: 10.7×FY 2017: 9.2×FY 2018: 10.7×FY 2019: 7.2×FY 2020: 25.8×FY 2021: -14.3×FY 2022: 1.8×FY 2023: 7.6×FY 2024: 4.7×FY 2025: 9.7×
FY 2016 5y median 4.7× FY 2025
EV/EBITDA 2.2×
FY 2016: 0.5×FY 2017: -4.4×FY 2018: -14.4×FY 2019: -17.3×FY 2020: -3.1×FY 2021: -0.1×FY 2022: -2.3×FY 2023: 1.8×FY 2024: 2.6×FY 2025: 2.2×
FY 2016 5y median 1.8× FY 2025
EV/Sales 0.5×
FY 2016: 0.1×FY 2017: -0.8×FY 2018: -2.5×FY 2019: -3.3×FY 2020: -0.9×FY 2021: -0.1×FY 2022: -0.7×FY 2023: 0.5×FY 2024: 0.6×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025
FCF Yield 10.3%
FY 2016: 9.4%FY 2017: 10.9%FY 2018: 9.4%FY 2019: 13.9%FY 2020: 3.9%FY 2021: -7.0%FY 2022: 56.3%FY 2023: 13.1%FY 2024: 21.2%FY 2025: 10.3%
FY 2016 5y median 13.1% FY 2025

Profitability

Gross Margin 71.5%
FY 2016: 95.4%FY 2017: 96.2%FY 2018: 93.3%FY 2019: 90.7%FY 2020: 89.5%FY 2021: 98.6%FY 2022: 94.9%FY 2023: 73.2%FY 2024: 69.8%FY 2025: 71.5%
FY 2016 5y median 73.2% FY 2025
Operating Margin 21.1%
FY 2016: 11.7%FY 2017: 12.6%FY 2018: 10.4%FY 2019: 12.1%FY 2020: 23.8%FY 2021: 28.3%FY 2022: 24.4%FY 2023: 19.8%FY 2024: 20.0%FY 2025: 21.1%
FY 2016 5y median 21.1% FY 2025
Net Margin 15.6%
FY 2016: 6.1%FY 2017: 3.8%FY 2018: 6.5%FY 2019: 7.9%FY 2020: 17.2%FY 2021: 21.0%FY 2022: 18.8%FY 2023: 14.8%FY 2024: 14.6%FY 2025: 15.6%
FY 2016 5y median 15.6% FY 2025
ROE 16.6%
FY 2016: 4.9%FY 2017: 3.0%FY 2018: 5.5%FY 2019: 6.6%FY 2020: 15.5%FY 2021: 19.0%FY 2022: 28.7%FY 2023: 20.7%FY 2024: 19.9%FY 2025: 16.6%
FY 2016 5y median 19.9% FY 2025
ROIC 0.9%
FY 2016: 3.6%FY 2017: 2.5%FY 2018: 3.8%FY 2019: 0.8%FY 2020: 1.6%FY 2021: 9.8%FY 2022: 2.3%FY 2023: 9.5%FY 2024: 10.1%FY 2025: 0.9%
FY 2016 5y median 9.5% FY 2025
ROA 0.9%
FY 2016: 0.3%FY 2017: 0.2%FY 2018: 0.3%FY 2019: 0.4%FY 2020: 0.9%FY 2021: 1.0%FY 2022: 0.8%FY 2023: 0.7%FY 2024: 0.8%FY 2025: 0.9%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 8.1%
FY 2016: 5.3%FY 2017: 1.9%FY 2018: 8.9%FY 2019: 8.6%FY 2020: 37.4%FY 2021: 3.2%FY 2022: -10.1%FY 2023: 33.0%FY 2024: 17.7%FY 2025: 8.1%
FY 2016 FY 2025
Operating Income 14.5%
FY 2016: 10.4%FY 2017: 10.1%FY 2018: -10.6%FY 2019: 26.2%FY 2020: 170.7%FY 2021: 23.0%FY 2022: -22.5%FY 2023: 8.1%FY 2024: 18.5%FY 2025: 14.5%
FY 2016 FY 2025
EPS (diluted) 14.6%
FY 2016: 17.6%FY 2017: -35.0%FY 2018: 92.3%FY 2019: 28.0%FY 2020: 206.2%FY 2021: 26.5%FY 2022: -16.1%FY 2023: 4.8%FY 2024: 19.3%FY 2025: 14.6%
FY 2016 FY 2025
Free Cash Flow -38.1%
FY 2016: 565.2%FY 2017: 19.0%FY 2018: -21.2%FY 2019: 72.4%FY 2020: -73.7%FY 2021: -400.1%FY 2022: 806.4%FY 2023: -75.3%FY 2024: 75.5%FY 2025: -38.1%
FY 2016 FY 2025

Financial Health

Current Ratio 41.9×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.4×FY 2019: 360×FY 2020: 387×FY 2021: 0.5×FY 2022: 320×FY 2023: 0.4×FY 2024: 0.1×FY 2025: 41.9×
FY 2016 5y median 0.5× FY 2025
Quick Ratio 41.9×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.4×FY 2019: 592×FY 2020: 387×FY 2021: 0.5×FY 2022: 433×FY 2023: 0.4×FY 2024: 0.1×FY 2025: 41.9×
FY 2016 5y median 0.5× FY 2025
Debt / Equity 0.5×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.6×FY 2022: 1.1×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.5×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA -2.7×
FY 2016: -6.9×FY 2017: -11.8×FY 2018: -21.1×FY 2019: -23.8×FY 2020: -5.9×FY 2021: -4.0×FY 2022: -6.6×FY 2023: -2.4×FY 2024: -1.4×FY 2025: -2.7×
FY 2016 5y median -2.7× FY 2025
Interest Coverage 0.8×
FY 2016: 2.4×FY 2017: 2.7×FY 2018: 1.6×FY 2019: 1.1×FY 2020: 4.7×FY 2021: 8.3×FY 2022: 2.6×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 0.7%
FY 2016: 1.6%FY 2017: 1.6%FY 2018: 1.7%FY 2019: 1.4%FY 2020: 1.5%FY 2021: 0.9%FY 2022: 1.0%FY 2023: 1.0%FY 2024: 0.9%FY 2025: 0.7%
FY 2016 5y median 0.9% FY 2025
Payout Ratio 5.2%
FY 2016: 36.7%FY 2017: 58.1%FY 2018: 29.9%FY 2019: 22.4%FY 2020: 7.5%FY 2021: 5.9%FY 2022: 7.4%FY 2023: 7.0%FY 2024: 6.1%FY 2025: 5.2%
FY 2016 5y median 6.1% FY 2025

Annual · latest fiscal year ends 2025-12-31