UWHR (Uwharrie Capital) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is Uwharrie Capital LT-Debt-to-Total-Asset?

Uwharrie Capital UWHR 71 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus rates UWHR with a GF Score™ of 71/100 and a GF Value™ of $10.05 (Modestly Overvalued). The stock has 4 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Uwharrie Capital's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Uwharrie Capital's long-term debt to total assets ratio declined from Mar. 2025 (0.03) to Mar. 2026 (0.02). It may suggest that Uwharrie Capital is progressively becoming less dependent on debt to grow their business.

Uwharrie Capital (OTCPK:UWHR) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Uwharrie Capital LT-Debt-to-Total-Asset Related Terms

Uwharrie Capital LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Uwharrie Capital's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Uwharrie Capital Annual Data

Trend

Dec16

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Dec20

Dec21

Dec22

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Dec24

Dec25

LT-Debt-to-Total-Asset

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0.03

0.02

Uwharrie Capital Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.03	0.03	0.02	0.02	0.02

71GF Score

Uwharrie Capital Corp UWHR

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Uwharrie Capital LT-Debt-to-Total-Asset Calculation

Uwharrie Capital's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	29.048	/	1196.345
	=	0.02

Uwharrie Capital's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	29.067	/	1249.214
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Uwharrie Capital (UWHR) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Uwharrie Capital and its competitors.

Is Uwharrie Capital's LT-Debt-to-Total-Asset too high?

Uwharrie Capital's current LT-Debt-to-Total-Asset is 0.02. Overall, Uwharrie Capital has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Uwharrie Capital's LT-Debt-to-Total-Asset compare to FSMK and KSBI?

Uwharrie Capital's LT-Debt-to-Total-Asset of 0.02 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Uwharrie Capital and its competitors. Uwharrie Capital's current LT-Debt-to-Total-Asset is 0.02. 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 $10.05, compared to a current price of $11.55 — trading 14.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. Uwharrie Capital's overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Uwharrie Capital (UWHR), the current LT-Debt-to-Total-Asset is 0.02 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 $11.55 is trading 14.9% above its estimated GF Value™ of $10.05. GuruFocus considers Uwharrie Capital to be Modestly Overvalued.

Key valuation signals for UWHR:

LT-Debt-to-Total-Asset: 0.02
GF Value™: $10.05 vs. price of $11.55 (14.9% above fair value)
GF Score™: 71/100 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

Industry Financial Services Banks

Comparable Companies FSMK KSBI CZBT SLRK IBTN KLIB MCBK CIWV STLE FDSB SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 132 North First Street, Albemarle, NC, USA, 28001

Website https://www.uwharrie.com

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.

71GF Score

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$11.55

Price

$10.05

GF Value

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