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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $1.07M | $1.10M | $1.11M | $1.14M | $1.13M | $1.13M |
| Operating Income | $14.60M | $12.76M | $10.76M | $9.95M | $12.85M | $10.44M |
| Interest Expense | - | - | $13.02M | $3.82M | $1.52M | $2.24M |
| Income Tax | $3.25M | $2.85M | $2.17M | $1.71M | $2.76M | $2.34M |
| Net Income | $11.35M | $9.91M | $8.60M | $7.68M | $9.52M | $7.54M |
| EPS - Basic | $1.49 | $1.26 | $1.09 | $1.05 | $1.26 | $0.98 |
| EPS - Diluted | $1.49 | $1.26 | $1.09 | $1.05 | $1.26 | $0.98 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $73.33M | $52.27M | $63.43M | $114.58M | $94.41M | $88.87M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $1.20B | $1.13B | $1.07B | $1.02B | $939.68M | $827.77M |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $29.05M | $29.16M | $29.10M | $29.61M | $29.53M | $10.99M |
| Total Liabilities | $1.12B | $1.07B | $1.02B | $982.09M | $878.89M | $768.53M |
| Stockholders' Equity | $64.90M | $47.02M | $38.79M | $26.74M | $50.13M | $48.58M |
| Retained Earnings | $59.00M | $50.35M | $42.10M | $37.03M | $30.55M | $23.00M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $9.86M | $14.08M | $9.34M | $30.90M | ($3.55M) | $2.16M |
| Investing Cash Flow | ($36.11M) | ($71.74M) | ($100.79M) | ($112.78M) | ($100.13M) | ($225.32M) |
| Financing Cash Flow | $47.32M | $46.49M | $40.31M | $102.04M | $109.22M | $156.84M |
| CapEx | $1.66M | $846.0K | $1.80M | $436.0K | $765.0K | $720.0K |
| Free Cash Flow | $8.20M | $13.24M | $7.54M | $30.47M | ($4.31M) | $1.44M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 0.72 | 1.34 | 0.88 | 3.97 | -0.45 | 0.19 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 22.3% | 22.3% | 20.1% | 18.2% | 22.5% | 23.7% |
| Return on assets | 0.9% | 0.9% | 0.8% | 0.8% | 1.0% | 0.9% |
| Return on equity | 17.5% | 21.1% | 22.2% | 28.7% | 19.0% | 15.5% |
| Return on invested capital | 12.1% | 13.0% | 12.7% | 14.5% | 12.5% | 13.4% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.45 | 0.62 | 0.75 | 1.11 | 0.59 | 0.23 |
| Debt / Assets | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 | 0.01 |
| Debt / EBITDA | 1.85 | 2.10 | 2.45 | 2.67 | 2.11 | 0.95 |
| Interest coverage | - | - | 0.8x | 2.6x | 8.5x | 4.7x |
| Equity multiplier | 18.43 | 24.00 | 27.65 | 38.12 | 18.74 | 17.04 |
| Liabilities / Assets | 0.94 | 0.95 | 0.95 | 0.96 | 0.94 | 0.93 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 7.3x | 6.9x | - | - | - | - |
| P / B | 1.2x | 1.3x | - | - | - | - |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 2.2x | 2.8x | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 14.5% | 18.5% | 8.1% | -22.5% | 23.0% | 170.7% |
| Net income growth (YoY) | 14.6% | 15.3% | 11.9% | -19.3% | 26.2% | 198.9% |
| EPS growth (YoY) | 18.1% | 16.1% | 3.7% | -16.8% | 29.2% | 178.8% |
| EPS CAGR (3y) | 12.4% | 0.0% | 3.7% | 44.2% | 67.2% | 91.0% |
| EPS CAGR (5y) | 8.8% | 29.2% | 32.1% | 49.6% | 40.5% | 37.3% |
| FCF growth (YoY) | -38.1% | 75.5% | -75.3% | - | - | -73.7% |
| FCF CAGR (5y) | 41.7% | 19.4% | 18.6% | 49.9% | - | - |
| Book value growth (YoY) | 38.0% | 21.2% | 45.0% | -46.7% | 3.2% | 27.2% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✗Cash flow > net income
- ✓Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing UWHARRIE CAPITAL CORP against the 5 most active filers in the same SIC group.