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UWHR (Uwharrie Capital) Cyclically Adjusted Price-to-FCF : 10.00 (As of May. 25, 2025)


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What is Uwharrie Capital Cyclically Adjusted Price-to-FCF?

As of today (2025-05-25), Uwharrie Capital's current share price is $9.20. Uwharrie Capital's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2025 was $0.92. Uwharrie Capital's Cyclically Adjusted Price-to-FCF for today is 10.00.

The historical rank and industry rank for Uwharrie Capital's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

UWHR' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 8.6   Med: 14.41   Max: 34.56
Current: 10.01

During the past years, Uwharrie Capital's highest Cyclically Adjusted Price-to-FCF was 34.56. The lowest was 8.60. And the median was 14.41.

UWHR's Cyclically Adjusted Price-to-FCF is ranked worse than
61.01% of 890 companies
in the Banks industry
Industry Median: 8.67 vs UWHR: 10.01

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Uwharrie Capital's adjusted free cash flow per share data for the three months ended in Mar. 2025 was $0.423. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $0.92 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


Uwharrie Capital Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Uwharrie Capital's Cyclically Adjusted Price-to-FCF 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.

* Premium members only.

Uwharrie Capital Cyclically Adjusted Price-to-FCF Chart

Uwharrie Capital Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.42 31.11 10.66 11.23 9.70

Uwharrie Capital Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted Price-to-FCF 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 10.41 9.16 9.24 9.70 8.98

Competitive Comparison of Uwharrie Capital's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, Uwharrie Capital's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Uwharrie Capital's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Uwharrie Capital's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Uwharrie Capital's Cyclically Adjusted Price-to-FCF falls into.


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Uwharrie Capital Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Uwharrie Capital's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=9.20/0.92
=10.00

* 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's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, Uwharrie Capital's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2025 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=0.423/134.9266*134.9266
=0.423

Current CPI (Mar. 2025) = 134.9266.

Uwharrie Capital Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201506 0.039 100.684 0.052
201509 0.102 100.392 0.137
201512 -0.703 99.792 -0.951
201603 0.160 100.470 0.215
201606 0.477 101.688 0.633
201609 0.117 101.861 0.155
201612 -0.346 101.863 -0.458
201703 0.670 102.862 0.879
201706 -0.205 103.349 -0.268
201709 0.295 104.136 0.382
201712 -0.269 104.011 -0.349
201803 0.318 105.290 0.408
201806 -0.311 106.317 -0.395
201809 0.583 106.507 0.739
201812 -0.216 105.998 -0.275
201903 0.288 107.251 0.362
201906 0.226 108.070 0.282
201909 0.180 108.329 0.224
201912 -0.006 108.420 -0.007
202003 -0.339 108.902 -0.420
202006 0.327 108.767 0.406
202009 -0.180 109.815 -0.221
202012 0.387 109.897 0.475
202103 -0.075 111.754 -0.091
202106 0.452 114.631 0.532
202109 0.582 115.734 0.679
202112 -1.540 117.630 -1.766
202203 1.543 121.301 1.716
202206 0.101 125.017 0.109
202209 1.699 125.227 1.831
202212 0.727 125.222 0.783
202303 0.196 127.348 0.208
202306 0.332 128.729 0.348
202309 0.210 129.860 0.218
202312 0.279 129.419 0.291
202403 0.261 131.776 0.267
202406 0.807 132.554 0.821
202409 0.245 133.029 0.248
202412 0.558 133.157 0.565
202503 0.423 134.927 0.423

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Uwharrie Capital  (OTCPK:UWHR) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Uwharrie Capital Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of Uwharrie Capital's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Uwharrie Capital Business Description

Traded in Other Exchanges
N/A
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.
Executives
Jeffrey L Trout officer: President UB Mortgage PO BOX 338, ALBEMARLE NC 28002-0338
Mary N Klauder director PO BOX 338, ALBEMARLE NC 28002-0338
Matthew D. Mcaulay director PO BOX 338, ALBEMARLE NC 28002-0338
Aaron David Bates director PO BOX 338, ALBEMARLE NC 28001
Vanessa O Chambers director PO BOX 338, ALBEMARLE NC 28002-0338
Cynthia B Hanson director PO BOX 338, ALBEMARLE NC 28002-0338
Stephen C Seltzer director PO BOX 338, ALBEMARLE NC 28002-0338
Tamara M Singletary officer: EVP & Corporate Secretary PO BOX 338, ALBEMARLE NC 28002-0338
Brooke L Senter officer: Chief People Officer PO BOX 338, ALBEMARLE NC 28002-0338
Cheryl P Rinehardt officer: Chief Credit Officer PO BOX 338, ALBEMARLE NC 28002-0338
Heather H Almond officer: Chief Financial Officer PO BOX 338, ALBEMARLE NC 28002-0338
Jason R Andrew officer: Chief Information Officer PO BOX 338, ALBEMARLE NC 28002-0338
Merlin Amirtharaj director PO BOX 338, ALBEMARLE NC 28002-0338
Matthew R Hudson director PO BOX 338, ALBEMARLE NC 28002-0338
Chris M Poplin director PO BOX 338, ALBEMARLE NC 28002-0338