Uwharrie Capital Corp
uwharrie.comWhat Do They Do?
Provides consumer and commercial banking, mortgage brokerage and wealth services to individuals and small and medium-sized businesses in North Carolina.
10-K for FY2025, filed Mar 5, 2026Its operations are primarily retail-oriented and directed to individuals and small to medium-sized businesses located in its market area…View ↗
Financial Industry Regulatory Authority (“FINRA”) as a securities broker-dealer. Gateway Mortgage, Inc. is a mortgage brokerage company…View ↗
The Company has two non-bank subsidiaries. Uwharrie Investment Advisors, Inc., which is registered as an investment advisor with the SEC…View ↗
How Do They Make Money?
Its bank earns interest on loans and investment securities and pays interest on customer deposits and borrowings, keeping the difference as net interest income. It also earns insurance and brokerage commissions and card transaction fees, generally as services or transactions are completed.
10-K for FY2025, filed Mar 5, 2026As with most financial institutions, the primary component of earnings for our subsidiary bank is net interest income. Net interest income…View ↗
For revenue not associated with financial instruments, loan servicing guarantees and lease contracts, we apply the following steps when…View ↗
For contracts with variable components, only amounts for which collection is probable are accrued. We generally act in a principal…View ↗
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10-K for FY2025, filed Mar 5, 2026
FY2025 revenue by reportable segment ↗
$57.8M
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10-K for FY2025, filed Mar 5, 2026
$57.8M ↗
| Segment | Share | Revenue |
|---|---|---|
|
Banking, Mortgage and Wealth Management
|
100% |
Banking, Mortgage and Wealth Management, FY2025
$57.8M Sources
|
|
Other
|
<0.1% |
Other, FY2025
$20K Sources
|
Who Are Their Customers?
Individuals and small to medium-sized businesses use its deposit, loan and cash-management services through branches, online, mobile and telephone banking.
10-K for FY2025, filed Mar 5, 2026
Do Revenues Turn Into Profits?
Yes. It kept 20 cents of every revenue dollar as net income in FY2025 and turned 14 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 11, 2026
Open tableView ↗
Growing. Revenue grew 2.1x in 4 years, from $27.6M in FY2021 to $57.8M in FY2025, about 20% a year.
Expanded market coverage
The latest report includes Randolph County among the company’s operating markets and banking-office service areas; the older report lists Stanly, Anson, Cabarrus and Mecklenburg Counties.
10-K for FY2022, filed Mar 8, 2023 10-K for FY2025, filed Mar 5, 2026
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