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

Uwharrie Cap Corp (UWHR) reported diluted earnings per share of $1.49 for fiscal year 2025. This represents a 18.3% 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.

Uwharrie Cap Corp Financials

UWHR

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 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 17 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).

Rhea AI UWHR FY2025 2026-05-05

Balance-sheet expansion has lifted reported earnings, but shareholder returns still hinge on leverage more than margin-style scale benefits.

From FY2022 to FY2025, ROA stayed under 1.0% even as assets reached $1.20B, a sign that size alone did not materially raise profit per dollar deployed. The more important shift was capital structure: equity more than doubled to $64.9M, so similar asset-level earning power translated into a lower ROE of 17.5%; the visible change is less economics than reduced leverage.

With $9.9M of operating cash flow against $11.4M of net income in FY2025, cash conversion was fairly close, which makes the earnings line more useful than in businesses where profit and cash routinely separate. Because capital spending was only $1.7M, free cash flow depends more on funding and balance-sheet movements than on maintaining a heavy physical asset base.

The company still operates with a thin equity layer: FY2025 liabilities of $1.12B sat against only $64.9M of equity, so modest changes in asset yield or funding cost can move shareholder returns quickly. At the same time, balance-sheet resilience improved as equity rebuilt from its FY2022 trough and debt-to-equity eased to 0.4x, reducing some of the amplification that boosted ROE earlier in the period.

Financial Health Signals

Financial Profile 45/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Uwharrie Cap Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Uwharrie Cap Corp's revenue grew 5.7% year-over-year to $57.8M, a solid pace of expansion. This earns a growth score of 54/100.

Leverage

Uwharrie Cap Corp carries a low D/E ratio of 0.45, meaning only $0.45 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 93/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Uwharrie Cap Corp converts 14.2% of revenue into free cash flow ($8.2M). This strong cash generation earns a score of 69/100.

Returns

Uwharrie Cap Corp's ROE of 17.5% shows moderate profitability relative to equity, earning a score of 54/100. This is down from 21.1% the prior year.

Piotroski F-Score Neutral

4/9

Uwharrie Cap Corp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Mixed

0.87x

For every $1 of reported earnings, Uwharrie Cap Corp generates $0.87 in operating cash flow ($9.9M OCF vs $11.4M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$57.8M

YoY+5.7%

5Y CAGR+19.2%

10Y CAGR+12.5%

Uwharrie Cap Corp generated $57.8M in revenue in fiscal year 2025. This represents an increase of 5.7% from the prior year.

EBITDA

N/A

Net Income

$11.4M

YoY+14.6%

5Y CAGR+7.0%

10Y CAGR+23.2%

Uwharrie Cap Corp reported $11.4M in net income in fiscal year 2025. This represents an increase of 14.6% from the prior year.

EPS (Diluted)

$1.49

YoY+18.3%

5Y CAGR+8.3%

10Y CAGR+22.9%

Uwharrie Cap Corp earned $1.49 per diluted share (EPS) in fiscal year 2025. This represents an increase of 18.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$8.2M

YoY-38.1%

5Y CAGR+41.7%

Uwharrie Cap Corp generated $8.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 38.1% from the prior year.

Cash & Debt

$73.3M

YoY+40.3%

5Y CAGR-3.8%

10Y CAGR+0.6%

Uwharrie Cap Corp held $73.3M in cash against $29.0M in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

YoY+1.4%

5Y CAGR+0.3%

10Y CAGR+0.3%

Uwharrie Cap Corp had 7M shares outstanding in fiscal year 2025. This represents an increase of 1.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

19.6%

YoY+1.5pp

5Y CAGR-14.0pp

10Y CAGR+11.7pp

Uwharrie Cap Corp's net profit margin was 19.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.5 percentage points from the prior year.

Return on Equity

17.5%

YoY-3.6pp

5Y CAGR+0.8pp

10Y CAGR+13.2pp

Uwharrie Cap Corp's ROE was 17.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 3.6 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$1.1M

YoY-27.1%

5Y CAGR+1.5%

10Y CAGR+9.6%

Uwharrie Cap Corp spent $1.1M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 27.1% from the prior year.

Capital Expenditures

$1.7M

YoY+96.1%

5Y CAGR+18.2%

10Y CAGR+8.8%

Uwharrie Cap Corp invested $1.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 96.1% from the prior year.

UWHR Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$57.8M+5.7%	$54.7M+19.7%	$45.7M+44.9%	$31.6M+14.2%	$27.6M+14.8%	$24.1M
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	$22.4M+7.8%	$20.8M+7.8%	$19.3M-1.8%	$19.7M-9.2%	$21.6M+8.9%	$19.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$19.0M+0.9%	$18.8M+44.3%	$13.0M+240.7%	$3.8M+147.9%	$1.5M-31.3%	$2.2M
Income Tax	$3.3M+14.0%	$2.9M+31.5%	$2.2M+27.2%	$1.7M-38.3%	$2.8M+18.2%	$2.3M
Net Income	$11.4M+14.6%	$9.9M+15.3%	$8.6M+4.2%	$8.2M-18.2%	$10.1M+24.4%	$8.1M
EPS (Diluted)	$1.49+18.3%	$1.26+18.9%	$1.06+1.9%	$1.04-18.1%	$1.27+27.0%	$1.00

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$14.6M-2.7%	$15.0M+1.9%	$14.7M+2.5%	$14.3M+3.9%	$13.8M-5.6%	$14.6M+3.5%	$14.1M+6.0%	$13.3M
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	$5.9M+2.7%	$5.7M+2.6%	$5.6M-2.3%	$5.7M+5.4%	$5.4M+2.4%	$5.3M+2.8%	$5.2M+0.1%	$5.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$4.8M-0.7%	$4.9M+0.9%	$4.8M+4.5%	$4.6M-2.0%	$4.7M-8.0%	$5.1M+0.8%	$5.1M+12.5%	$4.5M
Income Tax	$875K-3.1%	$903K+4.2%	$867K+14.5%	$757K+4.7%	$723K+4.6%	$691K-28.2%	$962K+70.0%	$566K
Net Income	$3.2M+4.2%	$3.1M+6.8%	$2.9M+2.3%	$2.8M+10.6%	$2.6M+12.1%	$2.3M-25.0%	$3.0M+37.1%	$2.2M
EPS (Diluted)	$0.43	N/A	$0.380.0%	$0.38+15.2%	$0.33	N/A	$0.39+34.5%	$0.29

UWHR Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.2B+6.0%	$1.1B+5.2%	$1.1B+5.2%	$1.0B+8.5%	$939.7M+13.5%	$827.8M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$73.3M+40.3%	$52.3M-17.6%	$63.4M-44.6%	$114.6M+21.4%	$94.4M+6.2%	$88.9M
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+4.6%	$1.1B+4.7%	$1.0B+4.2%	$982.1M+11.7%	$878.9M+14.4%	$768.5M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$29.0M-0.4%	$29.2M+0.2%	$29.1M-1.7%	$29.6M+0.3%	$29.5M+168.6%	$11.0M
Total Equity	$64.9M+38.0%	$47.0M+21.2%	$38.8M+45.0%	$26.7M-46.7%	$50.1M+3.2%	$48.6M
Retained Earnings	$59.0M+17.2%	$50.4M+19.6%	$42.1M+13.7%	$37.0M+21.2%	$30.6M+32.8%	$23.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$1.2B+4.4%	$1.2B-1.6%	$1.2B+3.9%	$1.2B+0.5%	$1.2B+3.1%	$1.1B-4.4%	$1.2B+5.1%	$1.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$116.2M+58.4%	$73.3M-33.9%	$111.0M+51.5%	$73.3M-5.1%	$77.2M+47.7%	$52.3M-57.8%	$123.9M+115.6%	$57.5M
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	$1.2B+4.6%	$1.1B-2.1%	$1.1B+3.7%	$1.1B+0.3%	$1.1B+2.8%	$1.1B-4.4%	$1.1B+4.6%	$1.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$29.1M+0.1%	$29.0M-0.6%	$29.2M+0.1%	$29.2M+0.1%	$29.2M+0.1%	$29.2M+0.1%	$29.1M+0.1%	$29.1M
Total Equity	$66.0M+1.7%	$64.9M+7.6%	$60.3M+10.2%	$54.7M+5.9%	$51.7M+9.9%	$47.0M-6.8%	$50.5M+21.7%	$41.5M
Retained Earnings	$62.1M+5.2%	$59.0M+5.2%	$56.1M+1.2%	$55.4M+5.1%	$52.8M+4.8%	$50.4M+4.4%	$48.2M+3.9%	$46.4M

UWHR Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$9.9M-30.0%	$14.1M+50.8%	$9.3M-69.8%	$30.9M+971.0%	-$3.5M-264.5%	$2.2M
Capital Expenditures	$1.7M+96.1%	$846K-52.9%	$1.8M+312.2%	$436K-43.0%	$765K+6.3%	$720K
Free Cash Flow	$8.2M-38.1%	$13.2M+75.5%	$7.5M-75.3%	$30.5M+806.4%	-$4.3M-400.1%	$1.4M
Investing Cash Flow	-$36.1M+49.7%	-$71.7M+28.8%	-$100.8M+10.6%	-$112.8M-12.6%	-$100.1M+55.6%	-$225.3M
Financing Cash Flow	$47.3M+1.8%	$46.5M+15.3%	$40.3M-60.5%	$102.0M-6.6%	$109.2M-30.4%	$156.8M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$1.1M-27.1%	$1.5M+101.5%	$728K+61.4%	$451K-82.9%	$2.6M+166.8%	$991K

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$1.6M+82250.0%	$2K-100.0%	$6.5M+2257.6%	$276K-91.0%	$3.1M-19.8%	$3.8M+62.7%	$2.4M-59.8%	$5.8M
Capital Expenditures	$1.3M+35.4%	$930K+102.6%	$459K+139.1%	$192K+146.2%	$78K-29.7%	$111K-80.2%	$562K+4223.1%	$13K
Free Cash Flow	$388K+141.8%	-$928K-115.3%	$6.0M+7100.0%	$84K-97.2%	$3.0M-19.5%	$3.7M+107.6%	$1.8M-69.3%	$5.8M
Investing Cash Flow	-$9.1M+33.9%	-$13.8M-54.1%	-$9.0M-41.3%	-$6.3M+8.8%	-$7.0M+74.7%	-$27.5M-268.7%	$16.3M+146.6%	-$35.0M
Financing Cash Flow	$50.4M+311.0%	-$23.9M-159.3%	$40.2M+1772.8%	$2.1M-92.6%	$28.8M+160.1%	-$47.9M-200.4%	$47.8M+99.4%	$24.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$274K+21.2%	$226K-8.9%	$248K-44.9%	$450K+208.2%	$146K-28.8%	$205K-75.2%	$827K+208.6%	$268K

UWHR Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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	19.6%+1.5pp	18.1%-0.7pp	18.8%-7.3pp	26.1%-10.3pp	36.5%+2.8pp	33.7%
Return on Equity	17.5%-3.6pp	21.1%-1.1pp	22.2%-8.7pp	30.9%+10.7pp	20.1%+3.4pp	16.7%
Return on Assets	0.9%+0.1pp	0.9%+0.1pp	0.8%0.0pp	0.8%-0.3pp	1.1%+0.1pp	1.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.45-0.2	0.62-0.1	0.75-0.4	1.11+0.5	0.59+0.4	0.23
FCF Margin	14.2%-10.0pp	24.2%+7.7pp	16.5%-80.0pp	96.5%+112.1pp	-15.6%-21.6pp	6.0%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	22.1%+1.5pp	20.6%+0.9pp	19.7%-0.0pp	19.7%+1.2pp	18.5%+2.9pp	15.6%-5.9pp	21.5%+4.9pp	16.6%
Return on Equity	4.9%+0.1pp	4.8%-0.0pp	4.8%-0.4pp	5.2%+0.2pp	4.9%+0.1pp	4.8%-1.2pp	6.0%+0.7pp	5.3%
Return on Assets	0.3%0.0pp	0.3%+0.0pp	0.2%0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.2%-0.1pp	0.3%+0.1pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.440.0	0.45-0.0	0.48-0.0	0.53-0.0	0.56-0.1	0.62+0.0	0.58-0.1	0.70
FCF Margin	2.7%+8.8pp	-6.2%-47.3pp	41.1%+40.5pp	0.6%-21.1pp	21.7%-3.7pp	25.4%+12.7pp	12.7%-31.1pp	43.8%

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Frequently Asked Questions

What is Uwharrie Cap Corp's annual revenue?

Uwharrie Cap Corp (UWHR) reported $57.8M in total revenue for fiscal year 2025. This represents a 5.7% 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 5.7% year-over-year, from $54.7M to $57.8M in fiscal year 2025.

Is Uwharrie Cap Corp profitable?

Yes, Uwharrie Cap Corp (UWHR) reported a net income of $11.4M in fiscal year 2025, with a net profit margin of 19.6%.

How much debt does Uwharrie Cap Corp have?

As of fiscal year 2025, Uwharrie Cap Corp (UWHR) had $73.3M in cash and equivalents against $29.0M in long-term debt.

What is Uwharrie Cap Corp's net profit margin?

Uwharrie Cap Corp (UWHR) had a net profit margin of 19.6% in fiscal year 2025, 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 17.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Uwharrie Cap Corp's free cash flow?

Uwharrie Cap Corp (UWHR) generated $8.2M in free cash flow during fiscal year 2025. This represents a -38.1% 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 $9.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Uwharrie Cap Corp's total assets?

Uwharrie Cap Corp (UWHR) had $1.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Uwharrie Cap Corp's capital expenditures?

Uwharrie Cap Corp (UWHR) invested $1.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Uwharrie Cap Corp buy back shares?

Yes, Uwharrie Cap Corp (UWHR) spent $1.1M on share buybacks during fiscal year 2025, 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 2025.

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

Uwharrie Cap Corp (UWHR) had a debt-to-equity ratio of 0.45 as of fiscal year 2025, 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 2025, 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 4 out of 9, indicating neutral 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Uwharrie Cap Corp's earnings high quality?

Uwharrie Cap Corp (UWHR) has an earnings quality ratio of 0.87x, considered mixed 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. Learn more in our complete guide to financial health indicators.

How financially healthy is Uwharrie Cap Corp?

Uwharrie Cap Corp (UWHR) scores 45 out of 100 on our Financial Profile, indicating moderate 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. Learn more in our complete guide to financial health indicators.