Uwharrie Capital Corp - Understand $uwhr stock

$UWHR Market Cap: $58.5 Million

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Financial Snapshot

Revenue

$40.10M

TTM

Gross Margin

Net Earnings

$9.758M

TTM

Current Assets

Current Liabilities

$2.719M

Q3 2024

Current Ratio

Total Assets

$1.181B

Q3 2024

Total Liabilities

$1.120B

Q3 2024

Book Value

$61.12M

Q3 2024

Cash

$123.9M

Q3 2024

P/E

5.995

Nov 26, 2024 EST

Free Cash Flow

$11.60M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002
Revenue	$45.72M	$31.56M	$27.63M	$24.08M	$23.77M	$21.87M	$19.34M	$18.05M	$17.85M	$18.46M	$19.47M	$21.87M	$23.82M
YoY Change	44.85%	14.23%	14.77%	1.3%	8.66%	13.1%	7.17%	1.12%	-3.3%	-5.18%	-11.0%	-8.19%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Revenue	$45.72M	$31.56M	$27.63M	$24.08M	$23.77M	$21.87M	$19.34M	$18.05M	$17.85M	$18.46M	$19.47M	$21.87M	$23.82M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.100M	$1.100M	$1.100M	$1.100M	$1.100M	$1.100M	$857.0K	$1.000M	$908.0K	$920.0K	$910.0K	$950.0K	$840.0K	$820.0K	$780.0K	$680.0K	$630.0K	$630.0K	$650.0K	$610.0K	$600.0K	$520.0K
YoY Change	0.0%	0.0%	0.0%	0.0%	0.0%	28.35%	-14.3%	10.13%	-1.3%	1.1%	-4.21%	13.1%	2.44%	5.13%	14.71%	7.94%	0.0%	-3.08%	6.56%	1.67%	15.38%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Interest Expense	$13.02M	$3.822M	$1.542M	$2.243M	$3.565M	$1.882M	$1.277M	$1.310M	$1.733M	$1.960M	$2.734M	$3.698M	$4.737M
YoY Change	240.74%	147.86%	-31.25%	-37.08%	89.43%	47.38%	-2.52%	-24.41%	-11.58%	-28.31%	-26.07%	-21.93%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002
Pretax Income	$10.76M	$9.954M	$12.85M	$10.44M	$3.858M	$3.056M	$3.420M	$3.106M	$2.813M	$2.327M	$1.296M	$769.0K	$1.096M	$860.0K	$530.0K	$2.830M	$4.250M	$2.900M	$2.040M	$50.00K	$2.090M	$2.350M
YoY Change	8.14%	-22.54%	23.04%	170.71%	26.24%	-10.64%	10.11%	10.42%	20.89%	79.55%	68.53%	-29.84%	27.44%	62.26%	-81.27%	-33.41%	46.55%	42.16%	3980.0%	-97.61%	-11.06%
Income Tax	$2.168M	$1.705M	$2.763M	$2.337M	$771.0K	$579.0K	$1.809M	$895.0K	$806.0K	$648.0K	$342.0K	$365.0K	$196.0K	$150.0K	-$160.0K	$800.0K	$1.290M	$830.0K	$520.0K	-$200.0K	$530.0K	$590.0K
% Of Pretax Income	20.14%	17.13%	21.5%	22.38%	19.98%	18.95%	52.89%	28.82%	28.65%	27.85%	26.39%	47.46%	17.88%	17.44%	-30.19%	28.27%	30.35%	28.62%	25.49%	-400.0%	25.36%	25.11%
Net Earnings	$8.596M	$8.249M	$10.08M	$8.107M	$3.087M	$2.477M	$1.611M	$1.618M	$1.415M	$1.088M	$476.0K	$404.0K	$900.0K	$710.0K	$690.0K	$2.030M	$2.960M	$2.070M	$1.520M	$250.0K	$1.560M	$1.760M
YoY Change	4.21%	-18.19%	24.37%	162.62%	24.63%	53.76%	-0.43%	14.35%	30.06%	128.57%	17.82%	-55.11%	26.76%	2.9%	-66.01%	-31.42%	43.0%	36.18%	508.0%	-83.97%	-11.36%
Net Earnings / Revenue	18.8%	26.14%	36.49%	33.67%	12.99%	11.32%	8.33%	8.97%	7.93%	5.89%	2.45%	1.85%	3.78%
Basic Earnings Per Share	$1.12	$1.08	$1.29	$1.06	$0.34	$0.26	$0.13	$0.21	$0.19	$0.14	$0.02	-$0.03	$0.03
Diluted Earnings Per Share	$1.12	$1.08	$1.326M	$1.06	$0.34	$0.26	$0.13	$0.21	$0.19	$0.14	$0.02	-$0.03	$0.03	$80.14K	$78.05K	$228.1K	$334.5K	$231.0K	$168.1K	$28.06K	$180.8K	$243.4K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$15.09M	$14.74M	$16.00M	$17.00M	$17.10M	$14.80M	$14.70M	$14.20M	$14.70M	$14.90M	$13.80M	$15.00M	$15.10M	$14.60M	$13.60M	$11.10M	$8.800M	$8.600M	$8.400M	$8.300M	$8.500M	$6.300M
YoY Change	2.4%	-7.91%	-5.88%	-0.58%	15.54%	0.68%	3.52%	-3.4%	-1.34%	7.97%	-8.0%	-0.66%	3.42%	7.35%	22.52%	26.14%	2.33%	2.38%	1.2%	-2.35%	34.92%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$8.910M	$10.73M						$2.600M	$2.100M	$2.200M	$3.000M
YoY Change	-16.93%							23.81%	-4.55%	-26.67%
Total Long-Term Assets
YoY Change
Total Assets	$1.073B	$1.019B	$939.7M	$827.8M	$656.8M	$632.3M	$577.3M	$548.2M	$532.2M	$518.5M	$517.3M	$545.0M	$526.9M	$535.4M	$477.8M	$452.5M	$411.9M	$383.3M	$350.2M	$329.3M	$300.5M	$250.8M
YoY Change
Accounts Payable			$0.00	$0.00	$100.0K	$0.00	$100.0K	$200.0K	$200.0K	$200.0K	$200.0K	$300.0K	$300.0K	$300.0K	$400.0K	$500.0K	$600.0K	$500.0K	$400.0K	$300.0K	$300.0K	$300.0K
YoY Change				-100.0%		-100.0%	-50.0%	0.0%	0.0%	0.0%	-33.33%	0.0%	0.0%	-25.0%	-20.0%	-16.67%	20.0%	25.0%	33.33%	0.0%	0.0%
Accrued Expenses	$1.600M	$2.000M	$2.200M	$2.600M	$2.000M
YoY Change	-20.0%	-9.09%	-15.38%	30.0%
Deferred Revenue
YoY Change
Short-Term Debt	$1.379M	$1.044M	$1.100M	$700.0K	$600.0K	$1.200M	$1.800M	$2.700M	$5.800M	$4.700M	$5.500M	$18.70M	$20.80M	$20.50M	$26.90M	$22.20M	$31.90M	$13.00M	$7.900M	$8.600M	$16.30M	$10.90M
YoY Change	32.09%	-5.09%	57.14%	16.67%	-50.0%	-33.33%	-33.33%	-53.45%	23.4%	-14.55%	-70.59%	-10.1%	1.46%	-23.79%	21.17%	-30.41%	145.38%	64.56%	-8.14%	-47.24%	49.54%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$2.979M	$2.000M	$2.200M	$2.600M	$2.100M	$1.200M	$100.0K	$200.0K	$200.0K	$200.0K	$200.0K	$300.0K	$300.0K	$300.0K	$400.0K	$500.0K	$600.0K	$500.0K	$400.0K	$300.0K	$300.0K	$300.0K
YoY Change	48.95%	-9.09%	-15.38%	23.81%	75.0%	1100.0%	-50.0%	0.0%	0.0%	0.0%	-33.33%	0.0%	0.0%	-25.0%	-20.0%	-16.67%	20.0%	25.0%	33.33%	0.0%	0.0%
Long-Term Debt	$29.10M	$29.61M	$29.50M	$11.00M	$10.00M	$10.00M	$9.500M	$9.500M	$9.500M	$9.600M	$11.20M	$12.70M	$25.20M	$34.10M	$26.60M	$32.50M	$21.70M	$29.30M	$39.10M	$42.70M	$42.60M	$39.60M
YoY Change	-1.7%	0.36%	168.18%	10.0%	0.0%	5.26%	0.0%	0.0%	-1.04%	-14.29%	-11.81%	-49.6%	-26.1%	28.2%	-18.15%	49.77%	-25.94%	-25.06%	-8.43%	0.23%	7.58%
Other Long-Term Liabilities	$9.354M	$9.586M	$9.300M	$11.00M	$9.400M	$9.000M	$8.700M	$6.600M	$5.700M	$4.800M	$4.500M	$11.40M	$3.600M	$3.000M	$3.100M	$2.400M	$1.500M	$1.200M	$1.400M	$1.100M	$900.0K	$1.300M
YoY Change	-2.42%	3.08%	-15.45%	17.02%	4.44%	3.45%	31.82%	15.79%	18.75%	6.67%	-60.53%	216.67%	20.0%	-3.23%	29.17%	60.0%	25.0%	-14.29%	27.27%	22.22%	-30.77%
Total Long-Term Liabilities	$38.46M	$39.19M	$38.80M	$22.00M	$19.40M	$19.00M	$18.20M	$16.10M	$15.20M	$14.40M	$15.70M	$24.10M	$28.80M	$37.10M	$29.70M	$34.90M	$23.20M	$30.50M	$40.50M	$43.80M	$43.50M	$40.90M
YoY Change	-1.88%	1.01%	76.36%	13.4%	2.11%	4.4%	13.04%	5.92%	5.56%	-8.28%	-34.85%	-16.32%	-22.37%	24.92%	-14.9%	50.43%	-23.93%	-24.69%	-7.53%	0.69%	6.36%
Total Liabilities	$1.034B	$992.7M	$889.5M	$779.2M	$618.6M	$597.8M	$543.4M	$515.3M	$499.5M	$486.2M	$485.6M	$500.7M	$481.3M	$491.9M	$433.8M	$411.2M	$380.4M	$353.6M	$322.7M	$302.1M	$272.7M	$225.6M
YoY Change	4.14%	11.61%	14.16%	25.96%	3.48%	10.01%	5.45%	3.16%	2.74%	0.12%	-3.02%	4.03%	-2.15%	13.39%	5.5%	8.1%	7.58%	9.58%	6.82%	10.78%	20.88%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Basic Shares Outstanding	7.197M	7.105M	7.359M	7.131M	7.343M	7.374M	7.576M	7.682M	7.634M	7.596M	7.571M shares	7.519M shares	7.467M shares
Diluted Shares Outstanding	7.197M	7.105M	7.179M	7.345M	7.564M	7.374M	7.576M	7.682M	7.634M	7.596M	7.571M shares	7.519M shares	7.467M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $58.499 Million

About UWHARRIE CAPITAL CORP

Uwharrie Capital Corp. is a bank holding company. The company is headquartered in Albemarle, North Carolina and currently employs 171 full-time employees. The company went IPO on 2004-02-06. Its operations are primarily retail-oriented and directed to individuals and small to medium-sized businesses. The Bank provides traditional commercial and consumer banking services, including personal and commercial checking and savings accounts, money market accounts, certificates of deposit, individual retirement accounts, and related business and individual banking services. The Bank’s lending activities include commercial loans and various consumer-type loans to individuals, including installment loans, mortgage loans, equity lines of credit and overdraft checking credit. The Bank also offers Internet banking, mobile banking, 24-hour telephone banking, and issues Visa check cards, an electronic banking card. The firm and its subsidiaries conduct their operations in Stanly County, Anson County, Cabarrus County, Randolph County and Mecklenburg County, North Carolina.

Industry: State Commercial Banks Peers: FIRST US BANCSHARES, INC. NORTHUMBERLAND BANCORP PNC FINANCIAL SERVICES GROUP, INC.