Uwharrie Capital Corp Year-End 2025 - Earnings Release

Rhea-AI Summary

Uwharrie Capital Corp (OTCQX: UWHR) reported consolidated total assets of $1.20 billion at December 31, 2025, up from $1.13 billion a year earlier, a 6% increase. Net income for the 12 months ended December 31, 2025 was $11.4 million versus $9.9 million in 2024.

Net income available to common shareholders was $10.8 million or $1.49 per share, compared with $9.3 million, or $1.26 per share, for the prior year; management attributed a 15% year-over-year improvement to loan growth and margin expansion while maintaining credit quality.

Positive

• Total assets increased to $1.20B at 12/31/2025 (+6% year-over-year)
• Net income rose to $11.4M for the year ended 12/31/2025 (+15% year-over-year)
• EPS increased to $1.49 from $1.26 (approx. +18%) driven by loan growth and margin expansion

Negative

• None.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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ALBEMARLE, N.C., Feb. 10, 2026 /PRNewswire/ -- Uwharrie Capital Corp (OTCQX: UWHR) and its subsidiary, Uwharrie Bank, reported consolidated total assets of $1.20 billion at December 31, 2025, versus $1.13 billion at December 31, 2024, a $68 million, or 6%, increase for the year. The increase was primarily due to growth in customer deposits across multiple deposit product sectors.

Net income for the twelve-month period ended December 31, 2025, was $11.4 million versus $9.9 million for the same period in 2024. For the twelve months ended December 31, 2025, net income available to common shareholders was $10.8 million, or $1.49 per share, compared to $9.3 million, or $1.26 per share, for the twelve months ended December 31, 2024. Net income available to common shareholders takes into consideration the payment of dividends on preferred stock issued by the Company.

The improvement in year-over-year net income of $1.5 million, or 15%, is attributable to growth in margin from an increase in loans held by the Company, while maintaining appropriate credit quality levels.

About Uwharrie Capital Corp
Uwharrie Capital Corp offers a full range of financial solutions through its subsidiaries: Uwharrie Bank and Uwharrie Investment Advisors. Additional information on Uwharrie Capital Corp may be found at www.Uwharrie.com or by calling 704-982-4415.

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SOURCE Uwharrie Capital Corp

FAQ

How much did UWHR report in total assets for year-end 2025?

Uwharrie Capital reported total consolidated assets of $1.20 billion at December 31, 2025. According to the company, this reflects a $68 million, or 6%, increase from December 31, 2024 driven primarily by deposit growth across product sectors.

What was UWHR's net income and how did it change year-over-year for 2025?

Uwharrie reported net income of $11.4 million for the 12 months ended December 31, 2025. According to the company, this compares with $9.9 million in 2024, a $1.5 million (15%) improvement driven by loan growth and margin gains.

What was UWHR's earnings per share for the full year 2025?

Net income available to common shareholders was $1.49 per share for the twelve months ended December 31, 2025. According to the company, this compares with $1.26 per share in 2024, reflecting higher margins and loan growth.

What drove UWHR's profit improvement in 2025?

Profit improvement was primarily driven by an increase in loans and expanded interest margin. According to the company, loan growth increased margin while the bank maintained appropriate credit quality levels during 2025.

Did UWHR disclose the effect of preferred dividends on 2025 earnings?

Yes. Net income available to common shareholders accounts for preferred stock dividends and was reported as $10.8 million for 2025. According to the company, preferred dividends reduced the amount of net income attributable to common shareholders.