Uwharrie CapitalUWHR +1.39%71 ROE % is 18.80% as of Mar. 2026, which is 3% above its 10-year median of 18.33. 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. Among 1,523 Banks companies, Uwharrie Capital ranks better than 90.61% on this metric.
The historical rank and industry rank for Uwharrie Capital's ROE % or its related term are showing as below:
UWHR'
s ROE % Range Over the Past 10 Years
Min: 3.05 Med: 18.33 Max: 24.51
Current: 19.23
During the past 13 years, Uwharrie Capital's highest ROE % was 24.51%. The lowest was 3.05%. And the median was 18.33%.
UWHR's ROE % is ranked better than 90.61% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs UWHR: 19.23
Uwharrie Capital (OTCPK:UWHR) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Uwharrie Capital ROE % Related Terms
Uwharrie Capital ROE % Historical Data
* Premium members only.
The historical data trend for Uwharrie Capital's ROE % 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.
For the Banks - Regional subindustry, Uwharrie Capital's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Uwharrie Capital's ROE % distribution charts can be found below:
* The bar in red indicates where Uwharrie Capital's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Uwharrie Capital (UWHR) has a ROE % of 18.80% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Uwharrie Capital and its competitors. This is near median its historical median of 18.33. Over the past decade, Uwharrie Capital's ROE % has ranged from 3.05 to 24.51. According to the industry distribution chart, Uwharrie Capital ranks #143 out of 1523 companies in the Banks industry, placing it in the top 9.4%.
Is Uwharrie Capital's ROE % too high?
Uwharrie Capital's current ROE % of 18.80% is near median its 10-year median of 18.33. Over the past 10 years, this metric has ranged from a low of 3.05 to a high of 24.51. The Banks industry median ROE % is 10.22. Uwharrie Capital's value of 18.80% is 84% above this industry median. Based on the distribution chart, Uwharrie Capital ranks #143 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 ROE % compare to HMLN and FSMK?
According to the Banks industry distribution chart, Uwharrie Capital ranks #143 out of 1523 companies for ROE %. This places Uwharrie Capital in the top 9% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Uwharrie Capital's value of 18.80% is 84% above this benchmark. Historically, Uwharrie Capital's own ROE % has ranged from 3.05 to 24.51 over the past decade. While the company's 10-year median is 18.33 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Uwharrie Capital's current ROE % of 18.80% is 84% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Uwharrie Capital and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Uwharrie Capital's current ROE % is 18.80%, which is near median its own 10-year median of 18.33. 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 ROE % is 18.80%, which is near median its 10-year median of 18.33 and 84% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Uwharrie Capital (UWHR), the current ROE % is 18.80% 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:
ROE %: 18.80% (near median its 10-year median of 18.33)
GF Value™: $10.03 vs. price of $11.64 (16.1% above fair value)
Industry Position: 84% above the Banks median (#143 of 1523)
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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