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

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

UWHR Uwharrie Capital Corp UWHR
73 GF Score
Price $13.67
GF Value $10.19
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Uwharrie Capital ROCE %?

Uwharrie Capital UWHR -0.03% 73 ROCE % is % as of Mar. 2026. GuruFocus rates UWHR with a GF Score™ of 73/100 and a GF Value™ of $10.19 (Significantly Overvalued). The stock has 5 warning signs investors should review.

ROCE % does not apply to banks and insurance companies.

UWHR
73GF Score
Uwharrie Capital Corp UWHR
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Uwharrie Capital (UWHR) has a ROCE % of % as of Mar. 2026.
Is Uwharrie Capital's ROCE % too high?
Uwharrie Capital's current ROCE % is %. Overall, Uwharrie Capital has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Uwharrie Capital's ROCE % compare to BCOW and FDSB?
Uwharrie Capital's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 2.81. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 2.81, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 2.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Uwharrie Capital's current ROCE % 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 Significantly Overvalued. The stock's GF Value™ is $10.19, compared to a current price of $13.67 — trading 34.2% above its estimated fair value. The current ROCE % is %. Uwharrie Capital's overall GF Score™ is 73/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Uwharrie Capital (UWHR), the current ROCE % 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 $13.67 is trading 34.2% above its estimated GF Value™ of $10.19. GuruFocus considers Uwharrie Capital to be Significantly Overvalued.

Key valuation signals for UWHR:

  • ROCE %: %
  • GF Value™: $10.19 vs. price of $13.67 (34.2% above fair value)
  • GF Score™: 73/100 with 5 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.
73GF Score

Get the complete analysis for UWHR

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

$13.67
Price
$10.19
GF Value