Uwharrie Capital Corp is a bank holding company. The bank engages in noncommercial loans and commercial banking. It provides a range of banking services, including deposit accounts, home equity and residential mortgage loans, safe deposit boxes and electronic banking servicese Company divides the loans it originates into two segments, commercial and noncommercial loans. Commercial loans are broken down into the following classes: commercial loans, real estate commercial loans, other real estate construction loans and other loans. Noncommercial loans are divided into the following classes which includes real estate 1-4 family construction loans, real estate 1-4 family residential loans, home equity loans and consumer loans.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	2.08
Equity-to-Asset	0.04
Debt-to-Equity	0.79
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.22	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

3/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	1.7
	3-Year EPS without NRI Growth Rate	4.6
	3-Year FCF Growth Rate	77.6
	3-Year Book Growth Rate	-5.2

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	5.23
	9-Day RSI	22.64
	14-Day RSI	34.94
	6-1 Month Momentum %	8.83
	12-1 Month Momentum %	16.77

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	2.1
	Shareholder Yield %	2.36

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	19.5
	FCF Margin %	18.31
	ROE %	26.07
	ROA %	0.77
	Years of Profitability over Past 10-Year	10

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	6.64
	PE Ratio without NRI	6.64
	Shiller PE Ratio	11.8
	Price-to-Owner-Earnings	5.84
	PEG Ratio	6.04
	PS Ratio	1.3
	PB Ratio	1.38
	Price-to-Tangible-Book	1.38
	Price-to-Free-Cash-Flow	7.06
	Price-to-Operating-Cash-Flow	5.71
	EV-to-Revenue	0.75
	EV-to-FCF	4.11
	Price-to-Projected-FCF	0.46
	Price-to-DCF (Earnings Based)	0.21
	Price-to-DCF (FCF Based)	0.23
	Price-to-Median-PS-Value	1.01
	Price-to-Graham-Number	0.64
	FCF Yield %	14.15
	Forward Rate of Return (Yacktman) %	10.08

GF Value: $7.73

UWHR

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