UWHR (Uwharrie Capital) Margin of Safety % (DCF Dividends Based): N/A (As of Jul. 01, 2026)


UWHR Uwharrie Capital Corp UWHR
71 GF Score
Price $11.55
GF Value $10.05
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Uwharrie Capital Margin of Safety % (DCF Dividends Based)?

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-07-01), Uwharrie Capital's Predictability Rank is 3.5-Stars. Uwharrie Capital's intrinsic value calculated from the Discounted Dividend model is $49.66 and current share price is $11.55. Consequently,

Uwharrie Capital's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is N/A.

UWHR vs FSMK, KSBI, CZBT: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, Uwharrie Capital's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, Uwharrie Capital's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Uwharrie Capital's Margin of Safety % (DCF Dividends Based) falls into.


UWHR
71GF Score
Uwharrie Capital Corp UWHR
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Uwharrie Capital Margin of Safety % (DCF Dividends Based) Calculation

Uwharrie Capital's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(0.00-11.55)/0.00
=N/A

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

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:

  • Margin of Safety % (DCF Dividends Based): N/A
  • 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

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.
71GF Score

Get the complete analysis for UWHR

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$11.55
Price
$10.05
GF Value