UWHR · Uwharrie Capital Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $270.0K | - | - | - | $270.0K | - | - | - | $278.0K | - |
| Operating Income | $4.09M | - | $3.76M | $3.58M | $3.28M | - | $4.00M | $2.78M | $3.02M | - |
| Interest Expense | - | - | - | - | - | - | - | $4.50M | $4.12M | - |
| Income Tax | $875.0K | - | $867.0K | $757.0K | $723.0K | - | $962.0K | $566.0K | $632.0K | - |
| Net Income | $3.08M | - | $2.75M | $2.68M | $2.41M | - | $2.89M | $2.07M | $2.24M | - |
| EPS - Basic | $0.43 | - | $0.37 | $0.37 | $0.33 | - | $0.39 | $0.28 | $0.30 | - |
| EPS - Diluted | $0.43 | - | $0.37 | $0.37 | $0.33 | - | $0.39 | $0.28 | $0.30 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $116.19M | $73.33M | $111.02M | $73.27M | $77.20M | $52.27M | $123.90M | $57.47M | $62.65M | $63.43M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $1.25B | $1.20B | $1.22B | $1.17B | $1.16B | $1.13B | $1.18B | $1.12B | $1.10B | $1.07B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $29.07M | $29.05M | $29.22M | $29.20M | $29.18M | $29.16M | $29.14M | $29.12M | $29.12M | $29.10M |
| Total Liabilities | $1.17B | $1.12B | $1.14B | $1.10B | $1.10B | $1.07B | $1.12B | $1.07B | $1.05B | $1.02B |
| Stockholders' Equity | $66.00M | $64.90M | $60.31M | $54.75M | $51.69M | $47.02M | $50.47M | $41.48M | $39.75M | $38.79M |
| Retained Earnings | $62.07M | $59.00M | $56.09M | $55.45M | $52.77M | $50.35M | $48.22M | $46.42M | $44.35M | $42.10M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.65M | - | - | - | $3.07M | - | - | - | $2.05M | - |
| Investing Cash Flow | ($9.14M) | - | - | - | ($6.96M) | - | - | - | ($25.55M) | - |
| Financing Cash Flow | $50.35M | - | - | - | $28.82M | - | - | - | $22.71M | - |
| CapEx | $1.26M | - | - | - | $78.0K | - | - | - | $160.0K | - |
| Free Cash Flow | $388.0K | - | - | - | $2.99M | - | - | - | $1.89M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 0.13 | - | - | - | 1.24 | - | - | - | 0.84 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 22.1% | - | 24.0% | 22.0% | 23.0% | - | 25.0% | 21.5% | 22.0% | - |
| Return on assets | 0.2% | - | 0.2% | 0.2% | 0.2% | - | 0.2% | 0.2% | 0.2% | - |
| Return on equity | 4.7% | - | 4.6% | 4.9% | 4.7% | - | 5.7% | 5.0% | 5.6% | - |
| Return on invested capital | 3.3% | - | 3.2% | 3.3% | 3.1% | - | 3.8% | 3.1% | 3.4% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.44 | 0.45 | 0.48 | 0.53 | 0.56 | 0.62 | 0.58 | 0.70 | 0.73 | 0.75 |
| Debt / Assets | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 | 0.02 | 0.03 | 0.03 | 0.03 |
| Debt / EBITDA | 6.67 | - | - | - | 8.23 | - | - | - | 8.84 | - |
| Interest coverage | - | - | - | - | - | - | - | 0.6x | 0.7x | - |
| Equity multiplier | 18.93 | 18.43 | 20.16 | 21.37 | 22.51 | 24.00 | 23.40 | 27.08 | 27.59 | 27.65 |
| Liabilities / Assets | 0.94 | 0.94 | 0.94 | 0.94 | 0.95 | 0.95 | 0.95 | 0.95 | 0.95 | 0.95 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 24.4x | - | 27.6x | 25.0x | 24.3x | - | 20.0x | - | - | - |
| P / B | 1.1x | - | 1.2x | 1.2x | 1.1x | - | 1.1x | - | - | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | -2.7x | - | - | - | 2.4x | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 24.8% | - | -6.0% | 28.9% | 8.7% | - | 47.7% | -0.8% | 24.3% | - |
| Net income growth (YoY) | 27.4% | - | -5.0% | 29.5% | 7.7% | - | 44.1% | -0.5% | 23.5% | - |
| EPS growth (YoY) | 30.3% | - | -5.0% | 31.0% | 9.7% | - | 38.7% | -2.9% | 15.8% | - |
| EPS CAGR (3y) | 18.3% | - | -1.0% | 18.8% | 48.9% | - | 3.5% | 10.3% | -21.8% | - |
| EPS CAGR (5y) | -7.4% | - | 13.0% | 11.9% | 61.5% | - | 26.5% | 20.7% | 30.3% | - |
| FCF growth (YoY) | -87.0% | - | - | - | 58.0% | - | - | - | 31.1% | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | 12.0% | - |
| Book value growth (YoY) | 27.7% | 38.0% | 19.5% | 32.0% | 30.0% | 21.2% | 91.1% | 34.2% | 27.4% | 45.0% |
Peer comparison
Same SIC group: State Commercial Banks
Comparing UWHARRIE CAPITAL CORP against the 5 most active filers in the same SIC group.