UWHR (Uwharrie Capital) ROC %: % (As of Mar. 2026)


UWHR Uwharrie Capital Corp UWHR
71 GF Score
Price $11.64
GF Value $10.03
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Uwharrie Capital ROC %?

Uwharrie Capital UWHR +1.39% 71 ROC % is % as of Mar. 2026. 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.

ROC %does not apply to banks.

UWHR
71GF Score
Uwharrie Capital Corp UWHR
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Uwharrie Capital (UWHR) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Uwharrie Capital and its competitors.
Is Uwharrie Capital's ROC % too high?
Uwharrie Capital's current ROC % is %. 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 ROC % compare to HMLN and FSMK?
Uwharrie Capital's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Uwharrie Capital and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Uwharrie Capital's current ROC % is %. 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Uwharrie Capital (UWHR), the current ROC % is % 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:

  • ROC %: %
  • GF Value™: $10.03 vs. price of $11.64 (16.1% above fair value)
  • GF Score™: 71/100 with 4 warning signs

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 Business Description

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.
71GF Score

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ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$11.64
Price
$10.03
GF Value