Uwharrie Cap Corp Financials

UWHR

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Uwharrie Cap Corp (UWHR) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Key Financial Metrics

Revenue

$54.7M

YoY+19.7%

5Y CAGR+18.2%

10Y CAGR+11.5%

Uwharrie Cap Corp generated $54.7M in revenue in fiscal year 2024. This represents an increase of 19.7% from the prior year.

EBITDA

N/A

Free Cash Flow

$13.2M

YoY+75.5%

5Y CAGR+19.4%

10Y CAGR+36.0%

Uwharrie Cap Corp generated $13.2M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 75.5% from the prior year.

Net Income

$9.9M

YoY+15.3%

5Y CAGR+26.3%

10Y CAGR+24.7%

Uwharrie Cap Corp reported $9.9M in net income in fiscal year 2024. This represents an increase of 15.3% from the prior year.

EPS (Diluted)

$1.30

YoY+19.3%

5Y CAGR+31.5%

10Y CAGR+25.0%

Uwharrie Cap Corp earned $1.30 per diluted share (EPS) in fiscal year 2024. This represents an increase of 19.3% from the prior year.

Cash & Debt

$52.3M

YoY-17.6%

5Y CAGR-19.6%

10Y CAGR+0.3%

Uwharrie Cap Corp held $52.3M in cash against $29.2M in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

YoY-0.7%

5Y CAGR-0.1%

10Y CAGR+0.2%

Uwharrie Cap Corp had 7M shares outstanding in fiscal year 2024. This represents a decrease of 0.7% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

18.1%

YoY-0.7pp

5Y CAGR+5.1pp

10Y CAGR+12.2pp

Uwharrie Cap Corp's net profit margin was 18.1% in fiscal year 2024, showing the share of revenue converted to profit. This is down 0.7 percentage points from the prior year.

Return on Equity

21.1%

YoY+3.7pp

5Y CAGR+14.8pp

10Y CAGR+18.5pp

Uwharrie Cap Corp's ROE was 21.1% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 3.7 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$1.5M

YoY+101.5%

5Y CAGR+11.5%

10Y CAGR+0.5%

Uwharrie Cap Corp spent $1.5M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 101.5% from the prior year.

Capital Expenditures

$846K

YoY-52.9%

5Y CAGR-11.7%

10Y CAGR-9.2%

Uwharrie Cap Corp invested $846K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 52.9% from the prior year.

UWHR Income Statement

Metric	FY24	FY24	FY24	FY23	FY22	FY21
Revenue	$54.7M+19.7%	$45.7M+44.9%	$31.6M+14.2%	$27.6M+14.8%	$24.1M+1.3%	$23.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$18.8M+44.3%	$13.0M+240.7%	$3.8M+147.9%	$1.5M-31.3%	$2.2M-37.1%	$3.6M
Income Tax	$2.9M+31.5%	$2.2M+27.2%	$1.7M-38.3%	$2.8M+18.2%	$2.3M+203.1%	$771K
Net Income	$9.9M+15.3%	$8.6M+4.2%	$8.2M-18.2%	$10.1M+24.4%	$8.1M+162.6%	$3.1M
EPS (Diluted)	$1.30+19.3%	$1.09+4.8%	$1.04-18.1%	$1.27+27.0%	$1.00+203.0%	$0.33

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Revenue	$14.7M+2.5%	$14.3M+3.9%	$13.8M-5.6%	$14.6M+3.5%	$14.1M+6.0%	$13.3M+5.2%	$12.7M+0.6%	$12.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$4.8M+4.5%	$4.6M-2.0%	$4.7M-8.0%	$5.1M+0.8%	$5.1M+12.5%	$4.5M+9.3%	$4.1M+3.6%	$4.0M
Income Tax	$867K+14.5%	$757K+4.7%	$723K+4.6%	$691K-28.2%	$962K+70.0%	$566K-10.4%	$632K+12.9%	$560K
Net Income	$2.9M+2.3%	$2.8M+10.6%	$2.6M+12.1%	$2.3M-25.0%	$3.0M+37.1%	$2.2M-7.1%	$2.4M+5.0%	$2.3M
EPS (Diluted)	$0.380.0%	$0.38+11.8%	$0.34+9.7%	$0.31-20.5%	$0.39+34.5%	$0.29-6.5%	$0.31+10.7%	$0.28

UWHR Balance Sheet

Metric	FY24	FY24	FY24	FY23	FY22	FY21
Total Assets	$1.1B+5.2%	$1.1B+5.2%	$1.0B+8.5%	$939.7M+13.5%	$827.8M+26.0%	$656.8M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$52.3M-17.6%	$63.4M-44.6%	$114.6M+21.4%	$94.4M+6.2%	$88.9M-42.7%	$155.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.1B+4.7%	$1.0B+4.2%	$982.1M+11.7%	$878.9M+14.4%	$768.5M+26.4%	$607.9M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$29.2M+0.2%	$29.1M-1.7%	$29.6M+0.3%	$29.5M+168.6%	$11.0M+10.0%	$10.0M
Total Equity	$47.0M-4.9%	$49.4M+32.2%	$37.4M-38.5%	$60.8M+2.6%	$59.2M+21.2%	$48.9M
Retained Earnings	$50.4M+19.6%	$42.1M+13.7%	$37.0M+21.2%	$30.6M+32.8%	$23.0M+41.7%	$16.2M

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Total Assets	$1.2B+3.9%	$1.2B+0.5%	$1.2B+3.1%	$1.1B-4.4%	$1.2B+5.1%	$1.1B+2.4%	$1.1B+2.2%	$1.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$111.0M+51.5%	$73.3M-5.1%	$77.2M+47.7%	$52.3M-57.8%	$123.9M+115.6%	$57.5M-8.3%	$62.6M-1.2%	$63.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.1B+3.7%	$1.1B+0.3%	$1.1B+2.8%	$1.1B-4.4%	$1.1B+4.6%	$1.1B+2.4%	$1.0B+2.3%	$1.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$29.2M+0.1%	$29.2M+0.1%	$29.2M+0.1%	$29.2M+0.1%	$29.1M+0.1%	$29.1M0.0%	$29.1M+0.1%	$29.1M
Total Equity	$60.3M-7.8%	$65.4M+4.9%	$62.3M+32.6%	$47.0M-23.1%	$61.1M+17.2%	$52.1M+3.4%	$50.4M+1.9%	$49.4M
Retained Earnings	$56.1M+1.2%	$55.4M+5.1%	$52.8M+4.8%	$50.4M+4.4%	$48.2M+3.9%	$46.4M+4.7%	$44.3M+5.3%	$42.1M

UWHR Cash Flow Statement

Metric	FY24	FY24	FY24	FY23	FY22	FY21
Operating Cash Flow	$14.1M+50.8%	$9.3M-69.8%	$30.9M+971.0%	-$3.5M-264.5%	$2.2M-69.4%	$7.0M
Capital Expenditures	$846K-52.9%	$1.8M+312.2%	$436K-43.0%	$765K+6.3%	$720K-54.3%	$1.6M
Free Cash Flow	$13.2M+75.5%	$7.5M-75.3%	$30.5M+806.4%	-$4.3M-400.1%	$1.4M-73.7%	$5.5M
Investing Cash Flow	-$71.7M+28.8%	-$100.8M+10.6%	-$112.8M-12.6%	-$100.1M+55.6%	-$225.3M-1805.2%	$13.2M
Financing Cash Flow	$46.5M+15.3%	$40.3M-60.5%	$102.0M-6.6%	$109.2M-30.4%	$156.8M+822.0%	$17.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$1.5M+101.5%	$728K+61.4%	$451K-82.9%	$2.6M+166.8%	$991K+16.6%	$850K

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Operating Cash Flow	N/A	N/A	$3.1M	N/A	N/A	N/A	$2.1M	N/A
Capital Expenditures	N/A	N/A	$78K	N/A	N/A	N/A	$160K	N/A
Free Cash Flow	N/A	N/A	$3.0M	N/A	N/A	N/A	$1.9M	N/A
Investing Cash Flow	N/A	N/A	-$7.0M	N/A	N/A	N/A	-$25.6M	N/A
Financing Cash Flow	N/A	N/A	$28.8M	N/A	N/A	N/A	$22.7M	N/A
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	$146K	N/A	N/A	N/A	$167K	N/A

UWHR Financial Ratios

Metric	FY24	FY24	FY24	FY23	FY22	FY21
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	18.1%-0.7pp	18.8%-7.3pp	26.1%-10.3pp	36.5%+2.8pp	33.7%+20.7pp	13.0%
Return on Equity	21.1%+3.7pp	17.4%-4.7pp	22.1%+5.5pp	16.6%+2.9pp	13.7%+7.4pp	6.3%
Return on Assets	0.9%+0.1pp	0.8%0.0pp	0.8%-0.3pp	1.1%+0.1pp	1.0%+0.5pp	0.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.62+0.0	0.59-0.2	0.79+0.3	0.49+0.3	0.19-0.0	0.20
FCF Margin	24.2%+7.7pp	16.5%-80.0pp	96.5%+112.1pp	-15.6%-21.6pp	6.0%-17.0pp	23.0%

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	19.7%-0.0pp	19.7%+1.2pp	18.5%+2.9pp	15.6%-5.9pp	21.5%+4.9pp	16.6%-2.2pp	18.8%+0.8pp	18.0%
Return on Equity	4.8%+0.5pp	4.3%+0.2pp	4.1%-0.8pp	4.8%-0.1pp	5.0%+0.7pp	4.2%-0.5pp	4.7%+0.1pp	4.6%
Return on Assets	0.2%0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.2%-0.1pp	0.3%+0.1pp	0.2%-0.0pp	0.2%+0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.48+0.0	0.45-0.0	0.47-0.2	0.62+0.1	0.48-0.1	0.56-0.0	0.58-0.0	0.59
FCF Margin	N/A	N/A	21.7%	N/A	N/A	N/A	15.0%	N/A

Financial Health Signals

Financial Profile 89/100

Profitability

N/A

Growth

Leverage

Liquidity

N/A

Cash Flow

100

Returns

Based on FY2024 annual data. Scores normalized against common benchmarks.

Piotroski F-Score Strong

7/9

Financial strength trend (9 signals). 7-9 = strong, 0-3 = weak.

Earnings Quality Cash-Backed

1.42x

Operating cash flow vs net income. Above 1.0x = cash-backed earnings.

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Frequently Asked Questions

What is Uwharrie Cap Corp's annual revenue?

Uwharrie Cap Corp (UWHR) reported $54.7M in total revenue for fiscal year 2024. This represents a 19.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Uwharrie Cap Corp's revenue growing?

Uwharrie Cap Corp (UWHR) revenue grew by 19.7% year-over-year, from $45.7M to $54.7M in fiscal year 2024.

Is Uwharrie Cap Corp profitable?

Yes, Uwharrie Cap Corp (UWHR) reported a net income of $9.9M in fiscal year 2024, with a net profit margin of 18.1%.

What is Uwharrie Cap Corp's earnings per share (EPS)?

Uwharrie Cap Corp (UWHR) reported diluted earnings per share of $1.30 for fiscal year 2024. This represents a 19.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

How much debt does Uwharrie Cap Corp have?

As of fiscal year 2024, Uwharrie Cap Corp (UWHR) had $52.3M in cash and equivalents against $29.2M in long-term debt.

What is Uwharrie Cap Corp's net profit margin?

Uwharrie Cap Corp (UWHR) had a net profit margin of 18.1% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is Uwharrie Cap Corp's return on equity (ROE)?

Uwharrie Cap Corp (UWHR) has a return on equity of 21.1% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Uwharrie Cap Corp's free cash flow?

Uwharrie Cap Corp (UWHR) generated $13.2M in free cash flow during fiscal year 2024. This represents a 75.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Uwharrie Cap Corp's operating cash flow?

Uwharrie Cap Corp (UWHR) generated $14.1M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Uwharrie Cap Corp's total assets?

Uwharrie Cap Corp (UWHR) had $1.1B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Uwharrie Cap Corp's capital expenditures?

Uwharrie Cap Corp (UWHR) invested $846K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Uwharrie Cap Corp buy back shares?

Yes, Uwharrie Cap Corp (UWHR) spent $1.5M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Uwharrie Cap Corp have outstanding?

Uwharrie Cap Corp (UWHR) had 7M shares outstanding as of fiscal year 2024.

What is Uwharrie Cap Corp's debt-to-equity ratio?

Uwharrie Cap Corp (UWHR) had a debt-to-equity ratio of 0.62 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Uwharrie Cap Corp's return on assets (ROA)?

Uwharrie Cap Corp (UWHR) had a return on assets of 0.9% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Uwharrie Cap Corp's Piotroski F-Score?

Uwharrie Cap Corp (UWHR) has a Piotroski F-Score of 7 out of 9, indicating strong financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals.

Are Uwharrie Cap Corp's earnings high quality?

Uwharrie Cap Corp (UWHR) has an earnings quality ratio of 1.42x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation.

How financially healthy is Uwharrie Cap Corp?

Uwharrie Cap Corp (UWHR) scores 89 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks.