Uwharrie Capital Corp

Earnings Score
Safety Score

Market Cap $56.48M
PE 6
Debt $30.56M
Cash $123.90M
EV -$36.86M
FCF $11.60M

Earnings

loading chart...

Sales & Net Margins

loading chart...

Earnings	$9.33M
EBIT	$12.62M
ROE	15%
ROA	1%
FCF	$11.60M
Equity	$61.12M
Growth Stability	97%
PE	6.05
PEG	0.26
PB	0.92
P/FCF	4.87
Price/Cash	2.19
Debt/Equity	0.5
Debt/FCF	2.64
Earnings CAGR	37%
FCF CAGR	28%
Equity CAGR	1%
Earnings Stability	0.7
Earnings Growth YoY	44%

Earnings Growth QoQ	40%
Earnings CAGR 5Y	23%
FCF CAGR 5Y	62%
Equity CAGR 5Y	-4%
FCF CAGR 3Y	1%
Equity CAGR 3Y	7%
Market Cap	$56.48M
Assets	$1.18B
Total Debt	$30.56M
Cash	$123.90M
Shares Outstanding	6.96M
EV	-36.86M
Earnings Score	92%
Safety Score	92%
Shares Growth 3y	1%
Equity Growth QoQ	17%
Equity Growth YoY	65%

Assets & ROA

loading chart...

Stockholders Equity & ROE

loading chart...

Uwharrie Capital Corp is a bank holding company. The bank engages in noncommercial loans and commercial banking. It provides a range of banking services, including deposit accounts, home equity and residential mortgage loans, safe deposit boxes and electronic banking services. The bank offers traditional commercial and consumer banking services, including personal and commercial checking and savings accounts, money market accounts, individual retirement accounts, and related business and individual banking services. Its lending activities include commercial and consumer type loans to individuals, including mortgage loans, equity lines of credit and overdraft checking credit. The bank generates revenue through the source of interest, dividend, and others.

SEC Filings

Direct access to Uwharrie Capital Corp (UWHR) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Uwharrie Capital Corp compare to its competitors?

Not enough data to generate a comparison chart between Uwharrie Capital Corp and its competitors. Please check back later.

Peter Lynch's Chart

This chart shows the current pricing of Uwharrie Capital Corp compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 37%

Stability 70%

loading chart...

Uwharrie Capital Corp Discounted Cash Flow

Fully customizable DCF calculator online for Uwharrie Capital Corp.

Years

Calculation mode

= $794M

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$12M	$15M	$19M	$24M	$31M	$39M	$50M	$64M	$81M	$103M	$132M	$1.3B
DCF		$13M	$16M	$18M	$21M	$24M	$28M	$33M	$38M	$44M	$51M	$509M
Value	$794M

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-	-	-	-	-	-	-	-	-	-
ROA	-	1%	1%	0%	1%	1%	1%	1%	1%	1%
ROE	-	4%	2%	4%	5%	13%	16%	21%	16%	15%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	6.43	5.18	6.67	3.77	15.79	-7.2	1.02	4.08	2.64
Debt over Equity	0.57	0.5	0.47	0.47	0.42	0.38	0.51	0.83	0.62	0.5
Growth Stability	-	-	-	100%	100%	100%	100%	100%	97%	97%

Neutral Debt/FCF ratio (2.64)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Good Debt/Equity ratio (0.5)

The company is not overleveraged and has a good balance between equity and debt.

Good Graham’s Stability (97%)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-	-	-	-	-	-	-	-	-
Earnings YoY growth	-	14%	-37%	87%	32%	199%	26%	-19%	5%	23%
Equity YoY growth	-	0%	2%	1%	8%	21%	3%	-38%	32%	-4%
FCF YoY growth	-	-702%	19%	-21%	72%	-74%	-400%	-806%	-75%	62%