What is Uwharrie Capital Financial Strength?
Uwharrie Capital has the Financial Strength Rank of 4.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its
Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3.
Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Uwharrie Capital's interest coverage with the available data.
Uwharrie Capital's debt to revenue ratio for the quarter that ended in Dec. 2024 was 0.63.
Altman Z-Score does not apply to banks and insurance companies.
Uwharrie Capital Financial Strength Calculation
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Uwharrie Capital's Interest Expense for the
months ended in Dec. 2024 was $-5.11 Mil. Its Operating Income for the
months ended in Dec. 2024 was $0.00 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was $29.16 Mil.
Uwharrie Capital's Interest Coverage for the quarter that ended in Dec. 2024 is
The higher the ratio, the stronger the company's financial strength is.
2. Debt to revenue ratio. The lower, the better.
Uwharrie Capital's Debt to Revenue Ratio for the quarter that ended in Dec. 2024 is
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 Business Description
Traded in Other Exchanges
N/A
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.
Executives
| Jeffrey L Trout |
officer: President UB Mortgage |
PO BOX 338, ALBEMARLE NC 28002-0338 |
| Mary N Klauder |
director |
PO BOX 338, ALBEMARLE NC 28002-0338 |
| Matthew D. Mcaulay |
director |
PO BOX 338, ALBEMARLE NC 28002-0338 |
| Aaron David Bates |
director |
PO BOX 338, ALBEMARLE NC 28001 |
| Vanessa O Chambers |
director |
PO BOX 338, ALBEMARLE NC 28002-0338 |
| Cynthia B Hanson |
director |
PO BOX 338, ALBEMARLE NC 28002-0338 |
| Stephen C Seltzer |
director |
PO BOX 338, ALBEMARLE NC 28002-0338 |
| Tamara M Singletary |
officer: EVP & Corporate Secretary |
PO BOX 338, ALBEMARLE NC 28002-0338 |
| Brooke L Senter |
officer: Chief People Officer |
PO BOX 338, ALBEMARLE NC 28002-0338 |
| Cheryl P Rinehardt |
officer: Chief Credit Officer |
PO BOX 338, ALBEMARLE NC 28002-0338 |
| Heather H Almond |
officer: Chief Financial Officer |
PO BOX 338, ALBEMARLE NC 28002-0338 |
| Jason R Andrew |
officer: Chief Information Officer |
PO BOX 338, ALBEMARLE NC 28002-0338 |
| Merlin Amirtharaj |
director |
PO BOX 338, ALBEMARLE NC 28002-0338 |
| Matthew R Hudson |
director |
PO BOX 338, ALBEMARLE NC 28002-0338 |
| Chris M Poplin |
director |
PO BOX 338, ALBEMARLE NC 28002-0338 |
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
Portfolio Contest
UWHR has been successfully added to your