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ZYBERNO
Stock Report
Updated Aug 31, 2026

UWHARRIE CAPITAL CORP (UWHR)

Financial Services • OTC

$13.82

Professional Investment Analysis

ZYBERNO SCORE →
Is it a great business? Is it getting better?
47.0/100
WEAK BUSINESS
UWHARRIE CAPITAL CORP (UWHR) scores 47/100 — weak fundamentals with mixed indicators requiring careful analysis before acting.
📊 How is the Zyberno Score calculated? +
VALUATION SIGNAL
⚠
Business Model Limitation
UWHARRIE CAPITAL CORP operates in the Banking industry. Owner Earnings-based DCF analysis — the foundation of both the Margin of Safety and the Brina Gap — is not well-suited to companies whose business model is structurally built around leverage: banks, insurers, mortgage companies, and REITs. These businesses are typically valued using sector-specific metrics such as Price-to-Book, Price-to-FFO, or Net Asset Value. Treat these signals as directional only.
MARGIN OF SAFETY
Is this stock cheap or expensive relative to what the business has historically generated for owners?
-100.0%
Overvalued
Is the market underestimating or overestimating what this business is capable of going forward?
+22.1%
Market Underestimates
↑ UNDER
+50%
Brina Gap
-50%
↓ OVER
← OVERVALUED
-100%
Margin of Safety
UNDERVALUED →
+100%
UNDERESTIMATED
GROWTH
DOUBLE
DISCOUNT
EXPENSIVE
HYPE
VALUE
TRAP
0,0
MoS -100.0%  ·  Gap +22.1%

Two independent signals. One tells you if the stock is cheap relative to what the business has historically generated for owners — the Margin of Safety. The other tells you if the market is underestimating what the business is capable of going forward — the Brina Gap.

They are calculated from completely different data sources and answer completely different questions. The Margin of Safety reads the past. The Brina Gap reads the present economics and compares them against what the current stock price is assuming about the future.

When both point in the same direction simultaneously — DOUBLE DISCOUNT — the probability of genuine mispricing is high. The market is wrong on two independent dimensions at once, which is rare and significant.

The most dangerous scenario is not an overvalued stock — those are easy to avoid. It is a VALUE TRAP: a stock that appears cheap historically but where the market is already pricing in stronger growth than the business fundamentals support. Without the Brina Gap signal this looks identical to a genuine opportunity. The matrix separates them instantly.

The Brina Gap is the more powerful of the two signals. Most investors and analytical tools focus on valuation alone — whether a stock is cheap relative to earnings. Far fewer systematically compare what the business economics structurally support against what the stock price is actually assuming. That gap between fundamental growth potential and market expectations is where the most reliable mispricings live, and where this matrix earns its value.

Use this as your first filter. A stock in DOUBLE DISCOUNT territory is worth investigating. Everything else requires either more caution or a specific reason to act.

EXPENSIVE WITH GROWTH POTENTIAL
UWHARRIE CAPITAL CORP (UWHR) trades at a premium (Margin of Safety -100.0%) despite the market underestimating forward growth (Brina Gap +22.1%). No margin of safety at current price.
🎯 Expected Annual Return →
-36.5%
Margin of Safety convergence — your return if the market re-prices to intrinsic value (5-yr annualised)
38.4%
Brina Gap convergence — your return if the market corrects the growth mispricing the Gap measures
10.1%
Yield + growth — what the business alone earns you, even if the market never re-rates
💰 How is Margin of Safety calculated? +
📈 How is Brina Gap calculated? +

Critical Financial Health Indicators

Return on Equity (Profitability):GOOD (17.2%)
Debt-to-Equity (Solvency Risk):GOOD (0.38x)
Operating Margin (Operational Efficiency):EXCELLENT (28.5%)
Return on Capital (Capital Efficiency):EXCELLENT (67.1%)
📊 Valuation Trilogy
Three interconnected metrics for complete valuation analysis
💎
Intrinsic Value
DCF Fair Value
$4.65
🛡️
Margin of Safety
Valuation Gap
-100.0%
🎯
Expected Return
Projected Annual
-36.5%
Click any metric for full methodology and detailed analysis
Zyberno's Verdict

According to Zyberno, UWHARRIE CAPITAL CORP (UWHR) shows Underestimated Growth — WEAK BUSINESS (47/100) with a Brina Gap of +22.1% showing underestimated forward growth, but no margin of safety at -100.0%.

According to Zyberno's DCF model, UWHARRIE CAPITAL CORP (UWHR) trades at $13.82 against an estimated intrinsic value per share of $4.65 — a -100.0% Margin of Safety based on Owner Earnings of $7.44M TTM, projected at -22.5% growth for 10 years with a 2.5% terminal growth rate. The Brina Gap of +22.1% strengthens the case: based on the company's ROIC (67.1%) and reinvestment rate (4.5%), the business can fundamentally grow at 3.0% — but the current enterprise value implies the market expects -19.2%. This places UWHR in the Underestimated Growth quadrant of the Brina Matrix, where growth is underestimated but no margin of safety on existing cash. Zyberno's model translates this into a 5-year expected return of -36.5% annually.

Over the trailing twelve months, UWHR generated $7.44M in Owner Earnings. Capital was deployed as follows: $274.00K returned via share buybacks, $2.84M invested in capital expenditures. Reinvestment rate: 4.5%. Owner Earnings have declined at 22.5% annually over the trailing five years using log-linear regression.

DIVISION I: EXECUTIVE SUMMARY
A. Market Valuation

Market Price & Capitalization (2)

Current Price:13.82
Market Cap:$98.55M

Valuation Multiples (4)

P/E Ratio:
7.99x
📊 Click to view full UWHR P/E analysis →
P/B Ratio:1.22x
P/S Ratio:1.67x
Peg Ratio:0.39x

Enterprise Metrics (3)

Enterprise Value:$37.16M
Ev Ebitda Ratio:2.08x
Pfcf Ratio:18.77x

Price Action & Momentum (3)

12-1 Momentum:
+48.6% (67th pctile)
📈 Click to view full UWHR Momentum analysis →
Momentum Percentile:67 / 100
% of 52-Week High:93.5%
B. Profitability Assessment

Return Metrics (7)

ROE:
17.2%
📊 Click to view full UWHR ROE analysis →
ROA:1.1%
Roic:
67.1%
📊 Click to view full UWHR ROIC analysis →
Reinvestment Rate:4.5%
Fundamental Growth Rate (g):3.0%
Market-Implied Growth Rate:-19.2%
Brina Gap:
22.1%
☷ Click to view full UWHR Brina Gap analysis →

Margin Analysis (3)

Operating Margin Ttm:28.5%
Net Margin Ttm:22.2%
Ebitda Margin:30.3%

TTM Performance (2)

Operating Margin Ttm:28.5%
Net Margin Ttm:22.2%

Yield Metrics (3)

Earnings Yield:$11.75
Owner Earnings Yield:$7.08
Dividend Yield:0.0%
C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):
+1.21
📊 Click to view full UWHR Earnings Surprise analysis →
EPS Surprise vs Expected:23.6%
Latest Earnings Filed:2026-08-11

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):14.7%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):9.9%

Cash Flow Growth (Linear) (2)

Free Cash Flow Growth Rate (Linear):-29.4%
Operating Cash Flow Growth Rate (Linear):-50.0%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):11.5%
D. Financial Stability

Liquidity Ratios (3)

Current Ratio:0.01x
Quick Ratio:0.01x
Cash Ratio:0.08x

Leverage Analysis (3)

Debt To Equity Ttm:0.38x
Debt-to-Equity Ratio:0.38x
Debt To Ebitda:1.69x

Coverage Ratios (2)

Interest Coverage Ratio:0.37x
Times Interest Earned:0.37

Capital Structure (4)

Working Capital:-1,088,449,000.00
Cash And Cash Equivalents:91,712,000.00
Long Term Debt:$30.09M
Net Debt:-$61.40M
DIVISION II: FINANCIAL STATEMENTS ANALYSIS
A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $59.14M
Linear Growth: 14.7%
📊 Click to view full UWHR Revenue analysis & methodology →
Cost Of Revenue Ttm:$0.00

Profitability Breakdown (2)

$0.00
Operating income TTM: $16.83M
Linear Growth: 11.5%
📊 Click to view full UWHR Operating Income analysis & methodology →

Bottom Line Performance (3)

Net income TTM: $13.10M
Linear Growth: 9.9%
📊 Click to view full UWHR Net Income analysis & methodology →
Income Before Tax:$16.83M
Ebitda Ttm:17,899,000.00

Operating Expenses (5)

Operating Expenses:36,232,000.00
R And D Expense:0.00
Sga Expense:0.00
Income Tax Expense:$3.72M
Interest Expense:39,967,000.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%
Sga To Revenue Percentage:0.0%
Ebitda Margin:30.3%
B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$1.22B
Current Assets:$10.62M
Ppe Net:16,745,000.00
Goodwill:0.00
Intangible Assets:$0.00

Liability Structure (4)

Total Liabilities:1,141,042,000.00
Current Liabilities:1,099,066,000.00
Long Term Debt:$30.09M
Short Term Debt:$228.00K

Equity & Capital (3)

Equity:$81.06M
Retained Earnings:$65.84M
Common Stock:8,884,000.00

Working Capital Items (3)

Accounts Receivable:0.00
Inventory:0.00
Accounts Payable:0.00

Special Items (2)

Contract Liabilities:0.00
Stock Based Compensation:0.00
C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: $8.43M
Linear Growth: -50.0%
Free cash flow TTM: $5.59M
Linear Growth: -29.4%
📊 Click to view full UWHR Free Cash Flow analysis & methodology →

Investment Activities (2)

Investing Cash Flow:-$9.14M
Capital Expenditures Ttm:2,840,000.00

Financing Activities (3)

Financing Cash Flow:$50.35M
Dividends Paid Ttm:0.00
Stock Repurchase:274,000.00

Capital Transactions (3)

Common Stock Issuance:0.00
Long Term Debt Issuance:$20.00M
Long Term Debt Repayments:$20.00K

Non-Cash Items (1)

Depreciation Amortization Ttm:1,071,000.00
DIVISION III: OPERATIONAL METRICS
A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):1.73
Eps diluted TTM: $1.73
Linear Growth: 10.3%
📊 Click to view full UWHR EPS analysis & methodology →
Earnings Per Share Ttm:$1.84

Revenue & Cash Per Share (3)

Sales Per Share Ttm:8.29
Operating Cash Flow Per Share:$1.38
Fcf Per Share Ttm:0.78

Book Value & Capital (2)

Book Value Per Share:$11.37
Cash Per Share:12.86

Dividend Policy (1)

Dividend Payout Ratio:0.00x
B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.05x
Working Capital Turnover Ttm:-999.00x

Receivables Management (2)

Receivables Turnover Ttm:-999.00x
Days Sales Outstanding Ttm:-999.00

Inventory Management (2)

Inventory Turnover Ttm:-999.00x
Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:-999.00
Cash Conversion Cycle:-999.00
C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:40.00
Quality Score:70.00

Market Metrics (2)

Beta:0.00x
Volatility Category:unknown
DIVISION IV: INVESTMENT ANALYSIS
A. Value Investment Framework

Owner Earnings Analysis (3)

Owner earnings TTM: $7.44M
Linear Growth: -22.5%
📊 Click to view full UWHR Owner Earnings analysis & methodology →
Owner Earnings Per Share:$1.04
Owner Earnings Yield:$7.08

Growth Assessment (1)

Owner Earnings Growth Rate:-$22.48

Damodaran Growth Analysis (4)

Reinvestment Rate:4.5%
Fundamental Growth Rate (g):3.0%
Market-Implied Growth Rate:-19.2%
Brina Gap:
22.1%
☷ Click to view full UWHR Brina Gap analysis →

Intrinsic Value Models (1)

Intrinsic Value:
$33.17M
📊 Click to view full UWHR DCF valuation →

Margin of Safety (1)

Margin Of Safety:
-100.0%
📊 Click to view full UWHR valuation analysis →

Return Scenarios (2)

Theoretical 5-Year Return:
-36.5%
📊 Click to view full UWHR expected return analysis →
Forward Expected Return (Yield + Growth):
10.1%
📊 Click to view full UWHR expected return analysis →

Investment Assessment (1)

Buffett Assessment:Overvalued
B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (3)

Revenue Growth Rate (Linear):14.7%
Net Income Growth Rate (Linear):9.9%
Operating Income Growth Rate (Linear):11.5%

Cash Flow Growth Rates (2)

Free Cash Flow Growth Rate (Linear):-29.4%
Operating Cash Flow Growth Rate (Linear):-50.0%

Other Growth Rates (2)

Book Value Growth Rate (Linear):25.4%
Owner Earnings Growth Rate:-$22.48
C. Company Profile & Context

Corporate Information (6)

Symbol:UWHR
Company Name:UWHARRIE CAPITAL CORP
Sector:Financial Services
Industry:Banking
Exchange:OTC
Country:United States

Market Classification (3)

Market Cap Category:N/A
Price Category:medium
Volume Category:N/A

Share Structure (3)

Shares Outstanding:7.13M
Shares Outstanding Basic:7.13M
Shares Outstanding Diluted:7.13M

Data Processing Info (3)

Processing Version:v3.0
Last Updated:2026-08-31 21:20:24 UTC
Data Timestamp:2026-08-19T23:19:27.009975
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