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OTC MARKETS · Banking · CIK 0000898171
$14.01
-0.28% · live
Updated
$100.5M market value
From UWHARRIE CAPITAL CORP's FY2025 10-K, filed Mar 5, 2026 · read the filing
UWHARRIE CAPITAL takes deposits and lends money.
The financial picture is led by profitability, with debt worth watching.
A conclusion from the filings, not a recommendation. Detailed figures and supporting evidence appear in their dedicated sections below.
Recent open-market selling by Beaver R David III, not under a pre-arranged plan.
$103.2K sold in the last 120 days · Read the filing
These are things the company filed or that a published model flagged — not predictions, and not a reason on their own to buy or sell anything.
Financial health
Strong finances across the board.
From UWHARRIE CAPITAL CORP's FY2025 annual filing · share price scored separately
Largest year-over-year changes in FY2025
Cash
$52.3M → $73.3M
Capital spending
$846.0K → $1.7M
Free cash flow
$13.2M → $8.2M
Profit
$9.9M → $11.4M
Measured against FY2024, from the 10-K filed Mar 5, 2026
Improved: +40.3%
$52.3M to $73.3MCritical
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Changed: +96.1%
$846.0K to $1.7MCritical
Why it matters: Neither good nor bad on its own. Heavy spending is a company building capacity or a company struggling to stand still, and the two look identical in this figure.
How the latest move compares (quote live), and what was published around it
UWHR fell 0.28% on the latest quote. The average Financials company tracked here moved −1.33%, and the S&P 500 −0.47%. That is 1.0 points above its sector and in line with the market.
No filing from UWHR and no news item about it appeared in the last 3 days.
These coincide with the move in time. None is presented as its cause: a price can move on news that names no company, on the wider market, or on trading that no document records.
Filter by minute, hour, day or week — or compare against peers
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The essentials
Each answered from the filings, with the numbers behind it.
Yes. It earned $11.4M last year.
Not enough history has been reported to judge growth.
For every $1 it owes, it owns $1.07 in assets. Banks and insurers always carry high debt — that is how lending works — so this is normal for the industry and not comparable with other sectors.
Core operating and valuation reference metrics
Income
This company pays no dividend. It keeps its profits and reinvests them in the business instead, so any return would have to come from the share price.
Figures from the FY2025 annual filing
Last year it earned $11.4M and generated $9.9M of cash from operations.
Reported annual figures
As reported to the SEC, in USD. Hover or show sources to see where each figure came from.
| Income statement | FY202510-K · Mar 5, 2026Filing for FY2025 | FY202410-K · Mar 6, 2025Filing for FY2024 | FY202310-K · Mar 6, 2024Filing for FY2023 | FY202210-K · Mar 8, 2023Filing for FY2022 | FY202110-K · Mar 8, 2023Filing for FY2021 | ChangeFY2025 vs FY2024 |
|---|---|---|---|---|---|---|
| Interest expense | — | — | $13.0M | $3.8M | $1.5M | — |
| Income before tax | $14.6M | $12.8M | $10.8M | $10.0M | $12.8M | +14.5% |
| Net income | $11.4M | $9.9M | $8.6M | $8.2M | $10.1M | +14.6% |
| Earnings per shareNet income ÷ shares outstanding at the period end — close to, but not the same as, the reported EPSWhat is this? | $1.58 | $1.40 | $1.21 | $1.17 | $1.45 | +13.0% |
† calculated from other reported figures, such as total liabilities as assets minus equity.
Insider activity, ownership stakes and what's coming — straight from EDGAR, before any article is written about it
Officers, directors and major shareholders must report within two business days of a trade.
Reported another kind of transaction — 3,651 shares
Holds 0 shares after this filing.
Reported another kind of transaction — 3,651 shares
Holds 3,651 shares after this filing.
20 recent filings, newest first. Each is labelled from its form and item numbers, not from its wording.
Reported another event
Read the filingPublished results
Read the filingWrite down why you are following UWHARRIE CAPITAL CORP, what has to go right and what would change your mind, then see each new annual report measured against it. Sign in to start one.
Go deeper
Every figure above traces back to a filing in the timeline, each linked to the document itself.
The 6 subsidiaries named in its 10-K. A filer lists the significant ones and may leave the rest out, so this is the floor rather than the full count.
Source: Exhibit 21 of the 10-K filed 2026-03-05. These are legal entities, not brands or acquisitions — a company that bought a business may hold it inside an entity named here, or inside one small enough that the rule does not require naming it at all.
Every company's figures are checked for internal consistency: the balance sheet adding up, figures sharing one currency, cash flow and share counts within plausible ranges, and how recent the latest annual report is. Nothing here changes a figure.
Financial figures are from UWHR's 10-K for fiscal year 2025 (period ending 2025-12-31, filed Mar 5, 2026), reported under the US GAAP taxonomy. View the source filing.
2 of 4 scored areas had enough reported figures to judge
The score averages profitability, growth, debt and accounting. Growth and Accounting had too few reported figures and are left out of the average rather than counted as a weakness, so a company is never marked down for a figure it did not publish. Cash generation is shown for context and already feeds profitability. Valuation is scored separately, because a share price says nothing about whether the business is sound. 6 of the 9 Piotroski checks could be evaluated. How the score works
Each year scored only from its annual report as it was first filed
| Fiscal year | Health | F-Score | Scored from |
|---|---|---|---|
| FY2025 | 8.0 | 5/6 | 10-K, filed Mar 5, 2026 |
| FY2024 | 8.0 | 6/6 | 10-K, filed Mar 6, 2025 |
| FY2023 | 6.0 | 6/6 | 10-K, filed Mar 6, 2024 |
| FY2022 | 6.0 | 5/6 | 10-K, filed Mar 8, 2023 |
| FY2021 | 8.0 | 3/6 | 10-K, filed Mar 9, 2022 |
| FY2020 | 8.0 | 5/6 | 10-K, filed Mar 5, 2021 |
A later restatement never reaches back into an earlier year, and every year is scored without a share price, so the latest point can differ a little from the headline score, which uses today's price.
Every check behind the three models, and what each one tests
5 of 6 checks passed
Nine yes-or-no tests of whether this year's finances improved on last year's. 3 could not be evaluated and are excluded from the total rather than counted as failures.
not reported — Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Distance from bankruptcy, from a model fitted on companies that did and did not go bust. It describes a balance sheet's shape today; it does not forecast a failure.
not reported — Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Screens eight accounting ratios for the pattern earnings manipulators tend to leave. A flag is a reason to read the filing closely, never evidence of wrongdoing.
Every figure above comes from the FY2025 filing as filed with the SEC.
Deteriorated: -38.1%
$13.2M to $8.2MSignificant
Why it matters: Cash left after paying for the plant that produced it — the money genuinely available for dividends, buybacks or paying down debt. Harder to flatter than profit.
Improved: +14.6%
$9.9M to $11.4MNotable
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Improved: +13.0%
$1.40 to $1.58Notable
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Deteriorated: +1.4%
7.1M to 7.2MNotable
Why it matters: New shares divide the same company into more pieces, so each existing holding owns slightly less of it. Often pay for staff or an acquisition rather than anything wrong.
Q2 FY2026 against Q2 FY2025, from the 10-Q filed Aug 11, 2026 — read it.
Improved: +38.6%
$2.8M to $3.9MSignificant
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Improved: +36.7%
$0.40 to $0.55Significant
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Improved: +25.2%
$73.3M to $91.7MSignificant
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Deteriorated: +1.3%
7.0M to 7.1MNotable
Why it matters: New shares divide the same company into more pieces, so each existing holding owns slightly less of it. Often pay for staff or an acquisition rather than anything wrong.
Q2 FY2026 against Q1 FY2026, from the 10-Q filed Aug 11, 2026 — read it. Quarter-to-quarter moves include seasonal swings — a retailer's holiday quarter — which the year-earlier comparison removes.
Improved: +21.7%
$3.2M to $3.9MSignificant
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Improved: +22.4%
$0.45 to $0.55Significant
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Deteriorated: -21.1%
$116.2M to $91.7MSignificant
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
1 other measure barely moved. Figures compare the two most recent annual filings — read the latest one. Moves are graded on fixed lines — 5%, 15% and 40% for amounts, and 1, 3 and 8 points for margins — as notable, significant or critical. Nothing here reads the management commentary, which is where a company explains its own numbers.
The trailing P/E is 7.8x — investors pay $7.8 for each $1 of trailing profit.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Reported another kind of transaction — 45,071 shares
Holds 53,217 shares after this filing.
Reported another kind of transaction — 45,071 shares
Holds 0 shares after this filing.
Sold on the open market — 6,981 shares at $14.78 ($103.2K)
Holds 0 shares after this filing.
Reported another kind of transaction — 74 shares
Holds 0 shares after this filing.
Reported another kind of transaction — 74 shares
Holds 17,979 shares after this filing.
Reported another kind of transaction — 74 shares
Holds 0 shares after this filing.
Reported another kind of transaction — 74 shares
Holds 74 shares after this filing.
Not investment advice, and not a signal to act on by itself — a filing says what happened, not why, and insiders trade for ordinary reasons having nothing to do with where they think the company is headed.
Quarterly report for Q2 FY2026
Profit +38.6% · Earnings per share +36.7% · Cash +25.2% — against Q2 FY2025
Published results
Read the filingPublished results
Read the filingHeld a shareholder vote
Read the filingQuarterly report for Q1 FY2026
Free cash flow -87.0% · Cash +50.5% · Capital spending +1514.1% — against Q1 FY2025
Read the filingPublished results
Read the filingProxy statement for a shareholder meeting
Read the filingAnnual report for FY2025
Cash +40.3% · Capital spending +96.1% · Free cash flow -38.1% — against FY2024
Read the filingPublished results
Read the filingPublished results
Read the filingQuarterly report for Q3 FY2025
Earnings per share -5.1% · Cash -10.4% — against Q3 FY2024
Read the filingPublished results · Reported another event
Read the filingPublished results
Read the filingQuarterly report for Q2 FY2025
Profit +27.6% · Earnings per share +28.6% · Cash +27.5% — against Q2 FY2024
Read the filingPublished results
Read the filingPublished results
Read the filingHeld a shareholder vote
Read the filingQuarterly report for Q1 FY2025
Free cash flow +58.0% · Capital spending -51.2% · Cash +23.2% — against Q1 FY2024
Read the filingCoverage from the last 30 days
Primary sources and further research