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Uwharrie CapitalUWHR +1.75%69 Return-on-Tangible-Asset is 1.01% as of Mar. 2026, which is 29% above its 10-year median of 0.78. GuruFocus rates UWHR with a GF Score™ of 69/100 and a GF Value™ of $10.10 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,529 Banks companies, Uwharrie Capital ranks worse than 52.39% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Uwharrie Capital's annualizedNet Income for the quarter that ended in Mar. 2026 was $12.30 Mil. Uwharrie Capital's average total tangible assets for the quarter that ended in Mar. 2026 was $1,222.78 Mil. Therefore, Uwharrie Capital's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.01%.
The historical rank and industry rank for Uwharrie Capital's Return-on-Tangible-Asset or its related term are showing as below:
UWHR'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.18 Med: 0.78 Max: 1.08
Current: 0.96
During the past 13 years, Uwharrie Capital's highest Return-on-Tangible-Asset was 1.08%. The lowest was 0.18%. And the median was 0.78%.
UWHR's Return-on-Tangible-Asset is ranked worse than 52.39% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs UWHR: 0.96
Uwharrie Capital (OTCPK:UWHR) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Uwharrie Capital Return-on-Tangible-Asset Related Terms
Uwharrie Capital Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Uwharrie Capital's Return-on-Tangible-Asset 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 FSMK, KSBI, CZBT: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Uwharrie Capital's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Uwharrie Capital's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Uwharrie Capital's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.01% mean?
Uwharrie Capital (UWHR) has a Return-on-Tangible-Asset of 1.01% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Uwharrie Capital and its competitors. This is 29% above median its historical median of 0.78. Over the past decade, Uwharrie Capital's Return-on-Tangible-Asset has ranged from 0.18 to 1.08. According to the industry distribution chart, Uwharrie Capital ranks #801 out of 1529 companies in the Banks industry, placing it in the top 52.4%.
Is Uwharrie Capital's Return-on-Tangible-Asset too high?
Uwharrie Capital's current Return-on-Tangible-Asset of 1.01% is 29% above median its 10-year median of 0.78. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 1.08. The Banks industry median Return-on-Tangible-Asset is 0.99. Uwharrie Capital's value of 1.01% is 2% above this industry median. Based on the distribution chart, Uwharrie Capital ranks #801 out of 1529 companies in the Banks industry, which is below the industry midpoint. Overall, Uwharrie Capital has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Uwharrie Capital's Return-on-Tangible-Asset compare to FSMK and KSBI?
According to the Banks industry distribution chart, Uwharrie Capital ranks #801 out of 1529 companies for Return-on-Tangible-Asset. This places Uwharrie Capital in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Uwharrie Capital's value of 1.01% is 2% above this benchmark. Historically, Uwharrie Capital's own Return-on-Tangible-Asset has ranged from 0.18 to 1.08 over the past decade. While the company's 10-year median is 0.78 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Uwharrie Capital's current Return-on-Tangible-Asset of 1.01% is 2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Uwharrie Capital and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Uwharrie Capital's current Return-on-Tangible-Asset is 1.01%, which is 29% above median its own 10-year median of 0.78. 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 $10.10, compared to a current price of $12.19 — trading 20.7% above its estimated fair value. The current Return-on-Tangible-Asset is 1.01%, which is 29% above median its 10-year median of 0.78 and 2% above the Banks industry median of 0.99. Uwharrie Capital's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Uwharrie Capital (UWHR), the current Return-on-Tangible-Asset is 1.01% 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 $12.19 is trading 20.7% above its estimated GF Value™ of $10.10.
GuruFocus considers Uwharrie Capital to be Modestly Overvalued.
Key valuation signals for UWHR:
Return-on-Tangible-Asset: 1.01% (29% above median its 10-year median of 0.78)
GF Value™: $10.10 vs. price of $12.19 (20.7% above fair value)
Industry Position: 2% above the Banks median (#801 of 1529)
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.
69GF Score
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