What is UWHARRIE CAPITAL CORP's earnings per share (EPS)?

UWHARRIE CAPITAL 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 CAPITAL CORP (UWHR) Financials

UWHR

Trailing 12 months to June 30, 2026

Revenue $52.8M +9.8% YoY

Net Income $13.1M +22.6% YoY

EPS (Diluted) $1.75 +25.9% YoY

Free Cash Flow $11.0M +28.7% YoY

Market Cap $99.6M as of Oct 20, 2026

Price / Sales 1.9x on $52.8M revenue, trailing 12 months to June 30, 2026

Price / Earnings 7.6x on $13.1M net income, trailing 12 months to June 30, 2026

Price / Book 1.4x on $70.4M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 20, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 11, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 11, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the UWHR SEC filings page.

UWHARRIE CAPITAL CORP (UWHR) reported $52.8M in revenue over the twelve months to Jun 30, 2026, up 9.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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 2026-10-04

Profitability is improving as the balance sheet becomes less leveraged, but cash generation still trails accounting earnings.

Net income increased from $8.6M in FY2023 to $11.4M in FY2025, yet return on equity fell from 22.2% to 17.5%. That combination indicates the company is retaining or adding capital faster than profits are scaling against shareholders' equity, even as return on assets edged up from 0.8% to 1.0%.

Cash conversion weakened relative to earnings in FY2025: operating cash flow was $9.9M versus net income of $11.4M. After $1.7M of capital spending, free cash flow fell to $8.2M, so reported profit did not fully become cash remaining after reinvestment.

Leverage is trending lower even though liabilities still represented 93.7% of assets in FY2025, leaving the business predominantly liability-funded. Debt-to-equity declined from 0.8x in FY2023 to 0.4x in FY2025 as equity expanded, showing a less debt-dependent capital structure rather than simple balance-sheet contraction.

Financial Health Signals

Financial health score not available

UWHARRIE CAPITAL CORP does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

5/7

UWHARRIE CAPITAL CORP passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.87x

For every $1 of reported earnings, UWHARRIE CAPITAL 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

$14.2M

YoY+11.0%

QoQ+11.9%

5Y CAGR+7.0%

10Y CAGR+7.4%

UWHARRIE CAPITAL CORP generated $14.2M in revenue in Q2 2026. This represents an increase of 11.0% from the same quarter a year earlier. Against the prior quarter it is up 11.9%.

Net Income

$3.9M

YoY+38.6%

QoQ+21.7%

5Y CAGR+19.5%

10Y CAGR+21.4%

UWHARRIE CAPITAL CORP reported $3.9M in net income in Q2 2026. This represents an increase of 38.6% from the same quarter a year earlier. Against the prior quarter it is up 21.7%.

EPS (Diluted)

$0.53

YoY+43.2%

QoQ+23.3%

5Y CAGR+21.5%

10Y CAGR+20.8%

UWHARRIE CAPITAL CORP earned $0.53 per diluted share (EPS) in Q2 2026. This represents an increase of 43.2% from the same quarter a year earlier. Against the prior quarter it is up 23.3%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$5.5M

YoY+6489.3%

QoQ+1326.5%

5Y CAGR+10.2%

10Y CAGR+3.5%

UWHARRIE CAPITAL CORP generated $5.5M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 6489.3% from the same quarter a year earlier. Against the prior quarter it is up 1326.5%.

Cash & Debt

$91.7M

YoY+25.2%

QoQ-21.1%

5Y CAGR-6.3%

UWHARRIE CAPITAL CORP held $91.7M in cash against $30.1M in long-term debt as of Q2 2026.

Shares Outstanding

YoY+1.1%

QoQ-0.8%

5Y CAGR+0.4%

10Y CAGR+0.2%

UWHARRIE CAPITAL CORP had 7M shares outstanding in Q2 2026. This represents an increase of 1.1% from the same quarter a year earlier. Against the prior quarter it is down 0.8%.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

27.5%

YoY+5.5pp

QoQ+2.2pp

5Y change+11.7pp

10Y change+19.4pp

UWHARRIE CAPITAL CORP's net profit margin was 27.5% in Q2 2026, showing the share of revenue converted to profit. This is up 5.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.2 percentage points.

Return on Equity

5.6%

YoY+0.4pp

QoQ+0.7pp

5Y change+2.4pp

10Y change+3.9pp

UWHARRIE CAPITAL CORP's ROE was 5.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.7 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$491K

YoY+9.1%

QoQ+79.2%

UWHARRIE CAPITAL CORP spent $491K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 9.1% from the same quarter a year earlier. Against the prior quarter it is up 79.2%.

Capital Expenditures

$1.5M

YoY+670.3%

QoQ+17.5%

5Y CAGR+27.6%

10Y CAGR+29.2%

UWHARRIE CAPITAL CORP invested $1.5M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 670.3% from the same quarter a year earlier. Against the prior quarter it is up 17.5%.

R&D Spending

Not reported for Q2 2026.

UWHR Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UWHR quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$52.8M	$50.1M+9.7%	$45.7M+8.3%	$42.2M+11.3%	$37.9M-15.9%	$45.0M+5.4%	$42.7M+46.2%	$29.2M+3.3%	$28.3M+6.7%	$26.5M+1.5%	$26.1M+9.5%	$23.8M+1.7%	$23.4M-3.7%	$24.3M-15.7%	$28.8M+5.5%	$27.3M
SG&A Expenses	$23.2M	$22.4M+7.8%	$20.8M+7.8%	$19.3M-1.8%	$19.7M-9.2%	$21.6M+8.9%	$19.9M+16.1%	$17.1M+5.8%	$16.2M+10.0%	$14.7M+1.3%	$14.5M+10.1%	$13.2M+9.4%	$12.1M-3.0%	$12.4M-3.6%	$12.9M+6.4%	$12.1M
Interest Expense	$19.2M	$19.0M+0.9%	$18.8M+44.3%	$13.0M+240.7%	$3.8M+147.9%	$1.5M-31.3%	$2.2M-37.1%	$3.6M+89.4%	$1.9M+47.4%	$1.3M-2.5%	$1.3M-24.4%	$1.7M-11.6%	$2.0M-28.3%	$2.7M-26.1%	$3.7M-21.9%	$4.7M
Income Tax	$3.7M	$3.3M+14.0%	$2.9M+31.5%	$2.2M+27.2%	$1.7M-38.3%	$2.8M+18.2%	$2.3M+203.1%	$771K+33.2%	$579K-68.0%	$1.8M+102.1%	$895K+11.0%	$806K+24.4%	$648K+89.5%	$342K-6.3%	$365K+86.2%	$196K
Net Income	$13.1M	$11.4M+14.6%	$9.9M+15.3%	$8.6M+4.2%	$8.2M-18.2%	$10.1M+24.4%	$8.1M+162.6%	$3.1M+24.6%	$2.5M+53.8%	$1.6M-0.4%	$1.6M+14.3%	$1.4M+30.1%	$1.1M+128.6%	$476K+17.8%	$404K-55.1%	$900K
EPS (Basic)	N/A	$1.49+18.3%	$1.26+18.9%	$1.06+1.9%	$1.04-18.1%	$1.27+27.0%	$1.00+203.0%	$0.33+26.9%	$0.26+100.0%	$0.13-38.1%	$0.21+10.5%	$0.19+35.7%	$0.14+600.0%	$0.02+166.7%	-$0.03-200.0%	$0.03
EPS (Diluted)	$1.75	$1.49+18.3%	$1.26+18.9%	$1.06+1.9%	$1.04-18.1%	$1.27+27.0%	$1.00+203.0%	$0.33+26.9%	$0.26+100.0%	$0.13	$0.21+10.5%	$0.19+35.7%	$0.14	$0.02+166.7%	-$0.03-200.0%	$0.03
Diluted Shares (Avg)	N/A	7M-2.2%	7M-2.1%	8M+2.3%	7M-1.5%	8M-0.3%	8M-0.5%	8M+2.6%	7M-2.7%	8M	8M+0.6%	8M+0.5%	8M	8M+0.7%	8M+0.7%	7M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$14.2M+11.0%	$12.7M+10.8%	$13.0M+7.0%	$12.8M+10.4%	$12.8M+16.1%	$11.5M+5.7%	$12.2M+11.7%	$11.6M+8.3%
SG&A Expenses	$6.0M+4.6%	$5.9M+8.5%	$5.7M+8.1%	$5.6M+8.3%	$5.7M+11.0%	$5.4M+4.0%	$5.3M+10.1%	$5.2M+6.8%
Interest Expense	$4.7M+1.9%	$4.8M+2.6%	$4.9M-5.0%	$4.8M-5.0%	$4.6M+2.2%	$4.7M+14.0%	$5.1M+28.4%	$5.1M+43.4%
Income Tax	$1.1M+42.5%	$875K+21.0%	$903K+30.7%	$867K-9.9%	$757K+33.7%	$723K+14.4%	$691K+23.4%	$962K+72.4%
Net Income	$3.9M+38.6%	$3.2M+25.9%	$3.1M+35.5%	$2.9M-4.8%	$2.8M+27.6%	$2.6M+7.1%	$2.3M+0.3%	$3.0M+41.2%
EPS (Basic)	$0.53+43.2%	$0.43+30.3%	$0.41+36.7%	$0.38-2.6%	$0.37+27.6%	$0.33+6.5%	$0.300.0%	$0.39+44.4%
EPS (Diluted)	$0.53+43.2%	$0.43+30.3%	$0.41+36.7%	$0.38-2.6%	$0.37+27.6%	$0.33+6.5%	$0.300.0%	$0.39+44.4%
Diluted Shares (Avg)	7M-1.8%	7M-1.7%	N/A	7M-2.2%	7M+0.3%	7M+0.3%	N/A	7M+0.5%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

UWHR Balance Sheet

UWHR quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$1.2B+6.0%	$1.1B+5.2%	$1.1B+5.2%	$1.0B+8.5%	$939.7M+13.5%	$827.8M+26.0%	$656.8M+3.9%	$632.3M+9.5%	$577.3M+5.3%	$548.2M+3.0%	$532.2M+2.6%	$518.5M+0.2%	$517.3M-5.1%	$545.0M+3.4%	$526.9M
Cash & Equivalents	$73.3M+40.3%	$52.3M-17.6%	$63.4M-44.6%	$114.6M+21.4%	$94.4M+6.2%	$88.9M-42.7%	$155.2M	N/A	$70.4M+53.2%	$46.0M-33.3%	$68.9M+35.7%	$50.8M-29.8%	$72.4M-11.4%	$81.7M+184.9%	$28.7M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	N/A	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	N/A	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$987K0.0%	$987K
Total Liabilities	$1.1B+4.6%	$1.1B+4.7%	$1.0B+4.2%	$982.1M+11.7%	$878.9M+14.4%	$768.5M+26.4%	$607.9M+3.5%	$587.1M+10.2%	$532.7M+5.5%	$504.7M+3.2%	$488.9M+2.8%	$475.6M+0.1%	$475.1M-5.1%	$500.7M+4.0%	$481.3M
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+10.0%	$10.0M+0.2%	$10.0M+4.6%	$9.5M0.0%	$9.5M-0.1%	$9.5M-0.1%	$9.6M-14.4%	$11.2M-11.9%	$12.7M-49.8%	$25.2M
Total Equity	$64.9M+38.0%	$47.0M+21.2%	$38.8M+45.0%	$26.7M-46.7%	$50.1M+3.2%	$48.6M+27.2%	$38.2M+10.7%	$34.5M+1.9%	$33.9M+3.0%	$32.9M+0.6%	$32.7M+3.2%	$31.7M+5.8%	$30.0M-29.9%	$42.7M-3.4%	$44.3M
Retained Earnings	$59.0M+17.2%	$50.4M+19.6%	$42.1M+13.7%	$37.0M+21.2%	$30.6M+32.8%	$23.0M+41.7%	$16.2M+12.5%	$14.4M+8.6%	$13.3M+3.2%	$12.9M+8.2%	$11.9M+8.4%	$11.0M+6.7%	$10.3M+1.5%	$10.1M-2.3%	$10.4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$1.2B+4.5%	$1.2B+7.4%	$1.2B+6.0%	$1.2B+2.9%	$1.2B+4.1%	$1.2B+6.1%	$1.1B+5.2%	$1.2B+10.4%
Cash & Equivalents	$91.7M+25.2%	$116.2M+50.5%	$73.3M+40.3%	$111.0M-10.4%	$73.3M+27.5%	$77.2M+23.2%	$52.3M-17.6%	$123.9M+59.1%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$1.1B+3.3%	$1.2B+6.5%	$1.1B+4.6%	$1.1B+2.2%	$1.1B+3.1%	$1.1B+5.2%	$1.1B+4.7%	$1.1B+8.4%
Long-Term Debt	$30.1M+3.0%	$29.1M-0.4%	$29.0M-0.4%	$29.2M+0.3%	$29.2M+0.3%	$29.2M+0.2%	$29.2M+0.2%	$29.1M+0.2%
Total Equity	$70.4M+28.6%	$66.0M+27.7%	$64.9M+38.0%	$60.3M+19.5%	$54.7M+32.0%	$51.7M+30.0%	$47.0M+21.2%	$50.5M+91.1%
Retained Earnings	$65.8M+18.7%	$62.1M+17.6%	$59.0M+17.2%	$56.1M+16.3%	$55.4M+19.5%	$52.8M+19.0%	$50.4M+19.6%	$48.2M+20.6%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities.

UWHR Cash Flow Statement

UWHR quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$15.2M	$9.9M-30.0%	$14.1M+50.8%	$9.3M-69.8%	$30.9M+971.0%	-$3.5M-264.5%	$2.2M-69.4%	$7.0M+64.6%	$4.3M-25.7%	$5.8M+42.4%	$4.0M+36818.2%	-$11K-100.4%	$2.8M-69.2%	$9.2M+2292.1%	-$420K-104.1%	$10.3M
Depreciation & Amortization	N/A	$1.1M-3.1%	$1.1M-0.5%	$1.1M-2.2%	$1.1M+0.9%	$1.1M-0.4%	$1.1M+5.1%	$1.1M+0.7%	$1.1M+24.5%	$857K-14.3%	$1.0M+10.1%	$908K	N/A	N/A	N/A	N/A
Stock-Based Compensation	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$4K0.0%	$4K
Capital Expenditures	$4.1M	$1.7M+96.1%	$846K-52.9%	$1.8M+312.2%	$436K-43.0%	$765K+6.3%	$720K-54.3%	$1.6M+42.4%	$1.1M-36.0%	$1.7M+163.3%	$657K-8.2%	$716K-67.8%	$2.2M+355.9%	$488K-41.2%	$830K-39.5%	$1.4M
Free Cash Flow	$11.0M	$8.2M-38.1%	$13.2M+75.5%	$7.5M-75.3%	$30.5M+806.4%	-$4.3M-400.1%	$1.4M-73.7%	$5.5M+72.4%	$3.2M-21.2%	$4.0M+19.0%	$3.4M+565.2%	-$727K-219.2%	$610K-93.0%	$8.7M+797.5%	-$1.3M-114.0%	$8.9M
Investing Cash Flow	-$31.5M	-$36.1M+49.7%	-$71.7M+28.8%	-$100.8M+10.6%	-$112.8M-12.6%	-$100.1M+55.6%	-$225.3M-1805.2%	$13.2M+237.1%	-$9.6M-52.6%	-$6.3M+84.6%	-$41.0M	N/A	N/A	$8.5M-76.1%	$35.5M+112.5%	$16.7M
Financing Cash Flow	$34.8M	$47.3M+1.8%	$46.5M+15.3%	$40.3M-60.5%	$102.0M-6.6%	$109.2M-30.4%	$156.8M+822.0%	$17.0M-67.8%	$52.9M+111.6%	$25.0M+79.0%	$14.0M	N/A	N/A	-$27.0M-250.5%	$18.0M+250.6%	-$11.9M
Share Buybacks	$1.2M	$1.1M-27.1%	$1.5M+101.5%	$728K+61.4%	$451K-82.9%	$2.6M+166.8%	$991K+16.6%	$850K+13.8%	$747K+91.0%	$391K+21.4%	$322K-24.9%	$429K-69.4%	$1.4M+729.0%	$169K-44.4%	$304K	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$7.0M+2441.3%	$1.6M-46.4%	$2K-99.9%	$6.5M+176.7%	$276K-95.3%	$3.1M+49.5%	$3.8M+60.9%	$2.4M+23.7%
Depreciation & Amortization	$269K+0.7%	$270K0.0%	$272K-0.4%	$262K-11.2%	$267K+3.1%	$270K-2.9%	$273K-3.2%	$295K+6.9%
Capital Expenditures	$1.5M+670.3%	$1.3M+1514.1%	$930K+737.8%	$459K-18.3%	$192K+1376.9%	$78K-51.2%	$111K-63.0%	$562K+72.9%
Free Cash Flow	$5.5M+6489.3%	$388K-87.0%	-$928K-125.0%	$6.0M+237.9%	$84K-98.6%	$3.0M+58.0%	$3.7M+78.8%	$1.8M+13.6%
Investing Cash Flow	$416K+106.6%	-$9.1M-31.3%	-$13.8M+49.7%	-$9.0M-155.0%	-$6.3M+81.8%	-$7.0M+72.8%	-$27.5M-243.9%	$16.3M+128.3%
Financing Cash Flow	-$31.9M-1586.1%	$50.4M+74.7%	-$23.9M+50.2%	$40.2M-15.8%	$2.1M-91.0%	$28.8M+26.9%	-$47.9M-444.1%	$47.8M+20.0%
Share Buybacks	$491K+9.1%	$274K+87.7%	$226K+10.2%	$248K-70.0%	$450K+67.9%	$146K-12.6%	$205K-61.4%	$827K+1192.2%

Not reported in any period shown, so not listed: Stock-Based Compensation, Dividends Paid.

UWHR Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UWHR quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	22.7%+1.0pp	21.7%+1.3pp	20.4%-1.4pp	21.8%-0.6pp	22.4%+3.4pp	19.0%+8.4pp	10.6%+1.8pp	8.8%+2.7pp	6.1%-0.1pp	6.2%+0.3pp	5.9%+1.3pp	4.7%+2.7pp	2.0%+0.6pp	1.4%-1.9pp	3.3%
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%+8.6pp	8.1%+0.9pp	7.2%+2.4pp	4.8%-0.2pp	4.9%+0.6pp	4.3%+0.9pp	3.4%+1.8pp	1.6%+0.6pp	0.9%-1.1pp	2.0%
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%+0.5pp	0.5%+0.1pp	0.4%+0.1pp	0.3%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.2%+0.1pp	0.1%0.0pp	0.1%-0.1pp	0.2%
Debt-to-Equity	0.45-0.2x	0.62-0.1x	0.75-0.4x	1.11+0.5x	0.59+0.4x	0.230.0x	0.260.0x	0.290.0x	0.280.0x	0.290.0x	0.290.0x	0.30-0.1x	0.37+0.1x	0.30-0.3x	0.57
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.05
FCF Margin	16.4%-12.6pp	29.0%+11.1pp	17.9%-62.6pp	80.5%+90.0pp	-9.6%-12.9pp	3.4%-15.3pp	18.7%+7.5pp	11.2%-4.0pp	15.2%+2.2pp	13.0%+16.0pp	-3.0%-5.6pp	2.6%-33.2pp	35.9%+40.2pp	-4.3%-36.9pp	32.6%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	27.5%+5.5pp	25.3%+3.0pp	23.7%+5.0pp	22.6%-3.6pp	22.0%+2.0pp	22.2%+0.3pp	18.7%-2.1pp	26.2%+6.1pp
Return on Equity	5.6%+0.4pp	4.9%-0.1pp	4.8%-0.1pp	4.8%-1.2pp	5.2%-0.2pp	4.9%-1.1pp	4.8%-1.0pp	6.0%-2.1pp
Return on Assets	0.3%+0.1pp	0.3%0.0pp	0.3%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.3%+0.1pp
Debt-to-Equity	0.43-0.1x	0.44-0.1x	0.45-0.2x	0.48-0.1x	0.53-0.2x	0.56-0.2x	0.62-0.1x	0.58-0.5x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	38.9%+38.2pp	3.0%-23.0pp	-7.1%-37.7pp	47.3%+31.8pp	0.7%-52.2pp	26.1%+8.6pp	30.6%+11.5pp	15.4%+0.7pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
UWHARRIE CAPITAL CORP UWHR	FY2025	$50.1M	$11.4M	22.7%	$99.6M	—
CULLMAN BANCORP INC MD CULL	FY2023	$16.9M	$4.0M	23.4%	$105.8M	—

Where UWHARRIE CAPITAL CORP Ranks

Frequently Asked Questions

What is UWHARRIE CAPITAL CORP's annual revenue?

UWHARRIE CAPITAL CORP (UWHR) reported $50.1M in total revenue for fiscal year 2025. This represents a 9.7% 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 CAPITAL CORP's revenue growing?

UWHARRIE CAPITAL CORP (UWHR) revenue grew by 9.7% year-over-year, from $45.7M to $50.1M in fiscal year 2025.

Is UWHARRIE CAPITAL CORP profitable?

Yes, UWHARRIE CAPITAL CORP (UWHR) reported a net income of $11.4M in fiscal year 2025, with a net profit margin of 22.7%.

How much debt does UWHARRIE CAPITAL CORP have?

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

What is UWHARRIE CAPITAL CORP's net profit margin?

UWHARRIE CAPITAL CORP (UWHR) had a net profit margin of 22.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is UWHARRIE CAPITAL CORP's return on equity (ROE)?

UWHARRIE CAPITAL 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 CAPITAL CORP's free cash flow?

UWHARRIE CAPITAL 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 CAPITAL CORP's operating cash flow?

UWHARRIE CAPITAL CORP (UWHR) generated $9.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are UWHARRIE CAPITAL CORP's total assets?

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

What are UWHARRIE CAPITAL CORP's capital expenditures?

UWHARRIE CAPITAL CORP (UWHR) invested $1.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does UWHARRIE CAPITAL CORP buy back shares?

Yes, UWHARRIE CAPITAL 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 CAPITAL CORP have outstanding?

UWHARRIE CAPITAL CORP (UWHR) had 7M shares outstanding as of fiscal year 2025.

What is UWHARRIE CAPITAL CORP's debt-to-equity ratio?

UWHARRIE CAPITAL 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 CAPITAL CORP's return on assets (ROA)?

UWHARRIE CAPITAL 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 CAPITAL CORP's P/E ratio?

UWHARRIE CAPITAL CORP (UWHR) trades at 7.6x earnings, its market capitalization divided by net income of $13.1M net income, trailing 12 months to June 30, 2026. The market capitalization is $99.6M as of Oct 20, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is UWHARRIE CAPITAL CORP's price-to-sales ratio?

UWHARRIE CAPITAL CORP (UWHR) trades at 1.9x sales, its market capitalization divided by revenue of $52.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $99.6M as of Oct 20, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is UWHARRIE CAPITAL CORP's Piotroski F-Score?

UWHARRIE CAPITAL CORP (UWHR) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 CAPITAL CORP's earnings high quality?

UWHARRIE CAPITAL 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.