Uwharrie CapitalUWHR -0.77%71 Pretax Margin % is 32.67% as of Mar. 2026, which is 28% above its 10-year median of 25.58. 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 1,527 Banks companies, Uwharrie Capital ranks worse than 61.62% on this metric.
The historical rank and industry rank for Uwharrie Capital's Pretax Margin % or its related term are showing as below:
UWHR'
s Pretax Margin % Range Over the Past 10 Years
Min: 11.09 Med: 25.58 Max: 30.46
Current: 30.46
UWHR's Pretax Margin % is ranked worse than 61.62% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs UWHR: 30.46
Uwharrie Capital (OTCPK:UWHR) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Uwharrie Capital Pretax Margin % Related Terms
Uwharrie Capital Pretax Margin % Historical Data
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The historical data trend for Uwharrie Capital's Pretax 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.
UWHR vs HMLN, FSMK, CZBT: Pretax Margin % Comparison
For the Banks - Regional subindustry, Uwharrie Capital's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Uwharrie Capital's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Uwharrie Capital's Pretax 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 Pretax Margin % of 32.67% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Uwharrie Capital and its competitors. This is 28% above median its historical median of 25.58. Over the past decade, Uwharrie Capital's Pretax Margin % has ranged from 11.09 to 30.46. According to the industry distribution chart, Uwharrie Capital ranks #941 out of 1527 companies in the Banks industry, placing it in the top 61.6%.
Is Uwharrie Capital's Pretax Margin % too high?
Uwharrie Capital's current Pretax Margin % of 32.67% is 28% above median its 10-year median of 25.58. Over the past 10 years, this metric has ranged from a low of 11.09 to a high of 30.46. The Banks industry median Pretax Margin % is 34.88. Uwharrie Capital's value of 32.67% is 6.3% below this industry median. Based on the distribution chart, Uwharrie Capital ranks #941 out of 1527 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 Pretax Margin % compare to HMLN and FSMK?
According to the Banks industry distribution chart, Uwharrie Capital ranks #941 out of 1527 companies for Pretax Margin %. This places Uwharrie Capital in the lower half of its industry. The industry median Pretax Margin % is 34.88. Uwharrie Capital's value of 32.67% is 6.3% below this benchmark. Historically, Uwharrie Capital's own Pretax Margin % has ranged from 11.09 to 30.46 over the past decade. While the company's 10-year median is 25.58 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Uwharrie Capital's current Pretax Margin % of 32.67% is 6.3% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Uwharrie Capital and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Uwharrie Capital's current Pretax Margin % is 32.67%, which is 28% above median its own 10-year median of 25.58. 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 Pretax Margin % is 32.67%, which is 28% above median its 10-year median of 25.58 and 6.3% below the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Uwharrie Capital (UWHR), the current Pretax Margin % is 32.67% 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 15% above its estimated GF Value™ of $10.04.
GuruFocus considers Uwharrie Capital to be Modestly Overvalued.
Key valuation signals for UWHR:
Pretax Margin %: 32.67% (28% above median its 10-year median of 25.58)
GF Value™: $10.04 vs. price of $11.55 (15% above fair value)
Industry Position: 6.3% below the Banks median (#941 of 1527)
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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