UWHR (Uwharrie Capital) Net Loan: $690.88 Mil (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

UWHR Uwharrie Capital Corp UWHR
69 GF Score
Price $12.25
GF Value $10.13
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is Uwharrie Capital Net Loan?

Uwharrie Capital UWHR -2.39% 69 Net Loan is $690.88 Mil as of Mar. 2026. GuruFocus rates UWHR with a GF Score™ of 69/100 and a GF Value™ of $10.13 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Uwharrie Capital's quarterly net loan increased from Sep. 2025 ($676.12 Mil) to Dec. 2025 ($692.16 Mil) but then declined from Dec. 2025 ($692.16 Mil) to Mar. 2026 ($690.88 Mil).

Uwharrie Capital's annual net loan increased from Dec. 2023 ($591.21 Mil) to Dec. 2024 ($692.16 Mil) and increased from Dec. 2024 ($692.16 Mil) to Dec. 2025 ($690.88 Mil).

Uwharrie Capital Net Loan Historical Data

* Premium members only.

The historical data trend for Uwharrie Capital's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Uwharrie Capital Net Loan Chart

Uwharrie Capital Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 438.44 498.37 591.21 665.11 692.16

Uwharrie Capital Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 663.38 680.47 676.12 692.16 690.88
UWHR
69GF Score
Uwharrie Capital Corp UWHR
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Uwharrie Capital Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $690.88 Mil mean?
Uwharrie Capital (UWHR) has a Net Loan of $690.88 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Uwharrie Capital and its competitors.
Is Uwharrie Capital's Net Loan too high?
Uwharrie Capital's current Net Loan is $690.88 Mil. Overall, Uwharrie Capital has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Uwharrie Capital's Net Loan compare to FSMK and KSBI?
Uwharrie Capital's Net Loan of $690.88 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Uwharrie Capital and its competitors. Uwharrie Capital's current Net Loan is $690.88 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Uwharrie Capital stock overvalued right now?
Based on GuruFocus' analysis, Uwharrie Capital (UWHR) is currently considered Modestly Overvalued. The stock's GF Value™ is $10.13, compared to a current price of $12.25 — trading 20.9% above its estimated fair value. The current Net Loan is $690.88 Mil. Uwharrie Capital's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Uwharrie Capital (UWHR), the current Net Loan is $690.88 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Uwharrie Capital (UWHR) Overvalued in 2026?

Based on GuruFocus' analysis, Uwharrie Capital stock appears to be overvalued. The current stock price of $12.25 is trading 20.9% above its estimated GF Value™ of $10.13. GuruFocus considers Uwharrie Capital to be Modestly Overvalued.

Key valuation signals for UWHR:

  • Net Loan: $690.88 Mil
  • GF Value™: $10.13 vs. price of $12.25 (20.9% above fair value)
  • GF Score™: 69/100 with 4 warning signs

No single metric tells the full story. See the UWHR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Uwharrie Capital Business Description

Address 132 North First Street, Albemarle, NC, USA, 28001
Uwharrie Capital Corp 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 services 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 include real estate 1-4 family construction loans, real estate 1-4 family residential loans, home equity loans and consumer loans. The Company operates in three segments: banking operations, mortgage banking, and wealth management.
69GF Score

Get the complete analysis for UWHR

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$12.25
Price
$10.13
GF Value