UWHR (Uwharrie Capital) Tariff Resilience Score: 9/10 (As of Jul. 03, 2026)


UWHR Uwharrie Capital Corp UWHR
71 GF Score
Price $11.55
GF Value $10.06
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Uwharrie Capital Tariff Resilience Score?

Uwharrie Capital UWHR 71 Tariff Resilience Score is 9 as of Jul. 03, 2026. GuruFocus rates UWHR with a GF Score™ of 71/100 and a GF Value™ of $10.06 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,608 Banks companies, Uwharrie Capital ranks better than 99.25% on this metric.

Uwharrie Capital has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Uwharrie Capital has Uwharrie Capital, a financial institution, has minimal exposure to tariffs. Their business is primarily domestic, insulating them from international trade issues.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Uwharrie Capital might have Highly Resilient.

Uwharrie Capital  (OTCPK:UWHR) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Uwharrie Capital Tariff Resilience Score Related Terms

UWHR vs FSMK, KSBI, CZBT: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Uwharrie Capital's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Uwharrie Capital's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Uwharrie Capital's Tariff Resilience Score falls into.


UWHR
71GF Score
Uwharrie Capital Corp UWHR
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
Uwharrie Capital (UWHR) has a Tariff Resilience Score of 9 as of Jul. 03, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Uwharrie Capital ranks #12 out of 1608 companies in the Banks industry, placing it in the top 0.7%.
Is Uwharrie Capital's Tariff Resilience Score too high?
Uwharrie Capital's current Tariff Resilience Score is 9. Based on the distribution chart, Uwharrie Capital ranks #12 out of 1608 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 Tariff Resilience Score compare to FSMK and KSBI?
According to the Banks industry distribution chart, Uwharrie Capital ranks #12 out of 1608 companies for Tariff Resilience Score. This places Uwharrie Capital in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Uwharrie Capital's current Tariff Resilience Score is 9. 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 $10.06, compared to a current price of $11.55 — trading 14.8% above its estimated fair value. The current Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Uwharrie Capital (UWHR), the current Tariff Resilience Score is 9 as of Jul. 03, 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 $11.55 is trading 14.8% above its estimated GF Value™ of $10.06. GuruFocus considers Uwharrie Capital to be Modestly Overvalued.

Key valuation signals for UWHR:

  • Tariff Resilience Score: 9
  • GF Value™: $10.06 vs. price of $11.55 (14.8% 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

Get the complete analysis for UWHR

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

$11.55
Price
$10.06
GF Value