Uwharrie Capital Corp (OTC:UWHR)
Insiders filed in the last 90 days, but none of those trades qualified for scoring — round-trip buys and filings whose price is far off the market are excluded.
Keeps a healthy share of every dollar it sells.
- Revenue
- $72.0M
- Net income
- $12.5M
- Net margin
- 17.4%
Little or no net debt.
- Total debt
- $30.1M
- Cash
- $10.6M
- Net debt / EBITDA
- 1.01x
Comfortably covers what is due within a year.
- Current assets
- $374.7M
- Current liabilities
- $414K
- Current ratio
- 905.17
The business funds itself from operations.
- Operating cash flow
- $15.2M
- Free cash flow
- $10.2M
- FCF margin
- 14.1%
Not funding itself by issuing shares.
- Shares outstanding
- 7.1M
- Share growth (1y)
- 1.2%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
UWHR Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 18.92 M | 17.56 M | 17.87 M | 17.61 M | 17.24 M | 15.98 M |
| Revenue Growth (YoY) | 9.76 % | 9.84 % | 4.20 % | 6.78 % | 12.08 % | 7.67 % |
| Cost of Revenue | 4.27 M | 4.76 M | 4.87 M | 4.99 M | 4.87 M | 4.98 M |
| Gross Profit | 14.65 M | 12.80 M | 13.00 M | 12.62 M | 12.37 M | 11.00 M |
| SG&A Expense | 876.00 K | 608.00 K | 6.04 M | 664.00 K | 626.00 K | 6.02 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 9.66 M | 8.71 M | 9.01 M | 8.86 M | 8.79 M | 7.73 M |
| Operating Income | 4.99 M | 4.09 M | 3.99 M | 3.76 M | 3.58 M | 3.28 M |
| Pretax Income | 4.99 M | 4.09 M | 3.99 M | 3.76 M | 3.58 M | 3.28 M |
| Tax Provision | 1.08 M | 875.00 K | 903.00 K | 867.00 K | 757.00 K | 723.00 K |
| Net Income | 3.77 M | 3.08 M | 2.94 M | 2.75 M | 2.68 M | 2.41 M |
| EPS (Basic) | 0.53 | 0.43 | 0.41 | 0.38 | 0.38 | 0.34 |
| EPS (Diluted) | 0.53 | 0.43 | 0.41 | 0.38 | 0.38 | 0.34 |
| Shares Outstanding | 7.13 M | 7.17 M | 7.18 M | 7.22 M | 7.05 M | 7.08 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.