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UWHR (Uwharrie Capital) E10 : $0.72 (As of Sep. 2024)


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What is Uwharrie Capital E10?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Uwharrie Capital's adjusted earnings per share data for the three months ended in Sep. 2024 was $0.392. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.72 for the trailing ten years ended in Sep. 2024.

During the past 12 months, Uwharrie Capital's average E10 Growth Rate was 22.00% per year. During the past 3 years, the average E10 Growth Rate was 41.30% per year. During the past 5 years, the average E10 Growth Rate was 51.10% per year. During the past 10 years, the average E10 Growth Rate was 18.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Uwharrie Capital was 60.90% per year. The lowest was -12.60% per year. And the median was -6.30% per year.

As of today (2024-12-14), Uwharrie Capital's current stock price is $8.2501. Uwharrie Capital's E10 for the quarter that ended in Sep. 2024 was $0.72. Uwharrie Capital's Shiller PE Ratio of today is 11.46.

During the past 13 years, the highest Shiller PE Ratio of Uwharrie Capital was 65.95. The lowest was 10.55. And the median was 27.26.


Uwharrie Capital E10 Historical Data

The historical data trend for Uwharrie Capital's E10 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 E10 Chart

Uwharrie Capital Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.12 0.22 0.37 0.50 0.62

Uwharrie Capital Quarterly Data
Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
E10 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 0.59 0.62 0.66 0.69 0.72

Competitive Comparison of Uwharrie Capital's E10

For the Banks - Regional subindustry, Uwharrie Capital's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Uwharrie Capital's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Uwharrie Capital's Shiller PE Ratio falls into.



Uwharrie Capital E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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.

For example, Uwharrie Capital's adjusted earnings per share data for the three months ended in Sep. 2024 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Sep. 2024 (Change)*Current CPI (Sep. 2024)
=0.392/133.0289*133.0289
=0.392

Current CPI (Sep. 2024) = 133.0289.

Uwharrie Capital Quarterly Data

per share eps CPI Adj_EPS
201412 -0.004 99.070 -0.005
201503 0.059 99.621 0.079
201506 0.059 100.684 0.078
201509 0.051 100.392 0.068
201512 -0.002 99.792 -0.003
201603 0.043 100.470 0.057
201606 0.069 101.688 0.090
201609 0.052 101.861 0.068
201612 0.034 101.863 0.044
201703 0.062 102.862 0.080
201706 0.062 103.349 0.080
201709 0.053 104.136 0.068
201712 -0.048 104.011 -0.061
201803 0.009 105.290 0.011
201806 0.036 106.317 0.045
201809 0.063 106.507 0.079
201812 0.126 105.998 0.158
201903 0.073 107.251 0.091
201906 0.101 108.070 0.124
201909 0.101 108.329 0.124
201912 0.043 108.420 0.053
202003 0.028 108.902 0.034
202006 0.196 108.767 0.240
202009 0.187 109.815 0.227
202012 0.569 109.897 0.689
202103 0.586 111.754 0.698
202106 0.192 114.631 0.223
202109 0.336 115.734 0.386
202112 0.149 117.630 0.169
202203 0.087 121.301 0.095
202206 0.211 125.017 0.225
202209 0.356 125.227 0.378
202212 0.395 125.222 0.420
202303 0.245 127.348 0.256
202306 0.284 128.729 0.293
202309 0.265 129.860 0.271
202312 0.314 129.419 0.323
202403 0.304 131.776 0.307
202406 0.284 132.554 0.285
202409 0.392 133.029 0.392

Add all the adjusted EPS together and divide 10 will get our e10.


Uwharrie Capital  (OTCPK:UWHR) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Uwharrie Capital's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=8.2501/0.72
=11.46

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Uwharrie Capital was 65.95. The lowest was 10.55. And the median was 27.26.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Uwharrie Capital E10 Related Terms

Thank you for viewing the detailed overview of Uwharrie Capital's E10 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 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.
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