Uwharrie CapitalUWHR -0.77%71 OCF Yield % is 10.22 as of Jun. 27, 2026, which is 28% below its 10-year median of 14.17. 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 1,502 Banks companies, Uwharrie Capital ranks better than 53.6% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Uwharrie Capital OCF Yield % Related Terms
Uwharrie Capital OCF Yield % Historical Data
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The historical data trend for Uwharrie Capital's OCF Yield % 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 OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Uwharrie Capital's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Uwharrie Capital's OCF Yield % 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 OCF Yield % of 10.22 as of Jun. 27, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Uwharrie Capital and its competitors. This is 28% below median its historical median of 14.17. According to the industry distribution chart, Uwharrie Capital ranks #697 out of 1502 companies in the Banks industry, placing it in the top 46.4%.
Is Uwharrie Capital's OCF Yield % too high?
Uwharrie Capital's current OCF Yield % of 10.22 is 28% below median its 10-year median of 14.17. The Banks industry median OCF Yield % is 9.24. Uwharrie Capital's value of 10.22 is 10.6% above this industry median. Based on the distribution chart, Uwharrie Capital ranks #697 out of 1502 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 OCF Yield % compare to HMLN and FSMK?
According to the Banks industry distribution chart, Uwharrie Capital ranks #697 out of 1502 companies for OCF Yield %. This puts Uwharrie Capital in the upper half of its industry. The industry median OCF Yield % is 9.24. Uwharrie Capital's value of 10.22 is 10.6% above this benchmark. While the company's 10-year median is 14.17 vs. the industry median of 9.24, Uwharrie Capital has consistently been above 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.24, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Uwharrie Capital's current OCF Yield % of 10.22 is 10.6% above 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Uwharrie Capital and its competitors. For the Banks industry, the median OCF Yield % is 9.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Uwharrie Capital's current OCF Yield % is 10.22, which is 28% below median its own 10-year median of 14.17. 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 OCF Yield % is 10.22, which is 28% below median its 10-year median of 14.17 and 10.6% above the Banks industry median of 9.24. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Uwharrie Capital (UWHR), the current OCF Yield % is 10.22 as of Jun. 27, 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:
OCF Yield %: 10.22 (28% below median its 10-year median of 14.17)
GF Value™: $10.04 vs. price of $11.55 (15% above fair value)
Industry Position: 10.6% above the Banks median (#697 of 1502)
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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