UWHR (Uwharrie Capital) Moat Score: 3/10 (As of Jun. 30, 2026)


UWHR Uwharrie Capital Corp UWHR
71 GF Score
Price $11.55
GF Value $10.04
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Uwharrie Capital Moat Score?

Uwharrie Capital UWHR -0.77% 71 Moat Score is 3 as of Jun. 30, 2026. GuruFocus rates UWHR with a GF Score™ of 71/100 and a GF Value™ of $10.04 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,613 Banks companies, Uwharrie Capital ranks better than 74.52% on this metric.

Uwharrie Capital has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Uwharrie Capital has No Moat: Uwharrie Capital Corp operates in a competitive financial services sector with limited market leadership. The company lacks significant customer switching costs, strong brand strength, or durable cost advantages. Its market share is not sustainable, and it does not possess significant regulatory barriers or exclusive licenses.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Uwharrie Capital might have No Moat - Very weak/transient advantages.

Uwharrie Capital  (OTCPK:UWHR) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Uwharrie Capital Moat Score Related Terms

UWHR vs FSMK, KSBI, CZBT: Moat Score Comparison

For the Banks - Regional subindustry, Uwharrie Capital's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

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

* The bar in red indicates where Uwharrie Capital's Moat Score falls into.


UWHR
71GF Score
Uwharrie Capital Corp UWHR
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Uwharrie Capital (UWHR) has a Moat Score of 3 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Uwharrie Capital ranks #411 out of 1613 companies in the Banks industry, placing it in the top 25.5%.
Is Uwharrie Capital's Moat Score too high?
Uwharrie Capital's current Moat Score is 3. Based on the distribution chart, Uwharrie Capital ranks #411 out of 1613 companies in the Banks industry, which is above the industry midpoint. 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 Moat Score compare to FSMK and KSBI?
According to the Banks industry distribution chart, Uwharrie Capital ranks #411 out of 1613 companies for Moat Score. This puts Uwharrie Capital in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Uwharrie Capital's current Moat Score is 3. 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 $10.04, compared to a current price of $11.55 — trading 15% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Uwharrie Capital (UWHR), the current Moat Score is 3 as of Jun. 30, 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 15% above its estimated GF Value™ of $10.04. GuruFocus considers Uwharrie Capital to be Modestly Overvalued.

Key valuation signals for UWHR:

  • Moat Score: 3
  • GF Value™: $10.04 vs. price of $11.55 (15% 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

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

$11.55
Price
$10.04
GF Value