Uwharrie CapitalUWHR +1.39%71 Net Margin % is 24.57% as of Mar. 2026, which is 31% above its 10-year median of 18.78. GuruFocus rates UWHR with a GF Score™ of 71/100 and a GF Value™ of $10.03 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,526 Banks companies, Uwharrie Capital ranks worse than 64.22% on this metric.
The historical rank and industry rank for Uwharrie Capital's Net Margin % or its related term are showing as below:
UWHR'
s Net Margin % Range Over the Past 10 Years
Min: 3.95 Med: 18.78 Max: 22.63
Current: 22.63
UWHR's Net Margin % is ranked worse than 64.22% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs UWHR: 22.63
Uwharrie Capital (OTCPK:UWHR) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Uwharrie Capital Net Margin % Related Terms
Uwharrie Capital Net Margin % Historical Data
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The historical data trend for Uwharrie Capital's Net Margin % 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.
For the Banks - Regional subindustry, Uwharrie Capital's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Uwharrie Capital's Net Margin % distribution charts can be found below:
* The bar in red indicates where Uwharrie Capital's Net Margin % falls into.
* 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 (UWHR) has a Net Margin % of 24.57% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Uwharrie Capital and its competitors. This is 31% above median its historical median of 18.78. Over the past decade, Uwharrie Capital's Net Margin % has ranged from 3.95 to 22.63. According to the industry distribution chart, Uwharrie Capital ranks #980 out of 1526 companies in the Banks industry, placing it in the top 64.2%.
Is Uwharrie Capital's Net Margin % too high?
Uwharrie Capital's current Net Margin % of 24.57% is 31% above median its 10-year median of 18.78. Over the past 10 years, this metric has ranged from a low of 3.95 to a high of 22.63. The Banks industry median Net Margin % is 26.97. Uwharrie Capital's value of 24.57% is 8.9% below this industry median. Based on the distribution chart, Uwharrie Capital ranks #980 out of 1526 companies in the Banks industry, which is below 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 Net Margin % compare to HMLN and FSMK?
According to the Banks industry distribution chart, Uwharrie Capital ranks #980 out of 1526 companies for Net Margin %. This places Uwharrie Capital in the lower half of its industry. The industry median Net Margin % is 26.97. Uwharrie Capital's value of 24.57% is 8.9% below this benchmark. Historically, Uwharrie Capital's own Net Margin % has ranged from 3.95 to 22.63 over the past decade. While the company's 10-year median is 18.78 vs. the industry median of 26.97, Uwharrie Capital has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Uwharrie Capital's current Net Margin % of 24.57% is 8.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Uwharrie Capital and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Uwharrie Capital's current Net Margin % is 24.57%, which is 31% above median its own 10-year median of 18.78. 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 $10.03, compared to a current price of $11.64 — trading 16.1% above its estimated fair value. The current Net Margin % is 24.57%, which is 31% above median its 10-year median of 18.78 and 8.9% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Uwharrie Capital (UWHR), the current Net Margin % is 24.57% 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 $11.64 is trading 16.1% above its estimated GF Value™ of $10.03.
GuruFocus considers Uwharrie Capital to be Modestly Overvalued.
Key valuation signals for UWHR:
Net Margin %: 24.57% (31% above median its 10-year median of 18.78)
GF Value™: $10.03 vs. price of $11.64 (16.1% above fair value)
Industry Position: 8.9% below the Banks median (#980 of 1526)
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 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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