UWHARRIE CAPITAL CORP (UWHR) Uwharrie Capital Corp functions as the parent entity for Uwharrie Bank, providing a comprehensive array of personal and business banking and financial solutions to individuals and small to medium-sized enterprises across North Carolina. The institution facilitates various deposit accounts, including checking and savings for both consumers and commercial clients, along with money market accounts, certificates of deposit, and individual retirement accounts. It also extends a diverse range of lending facilities, such as business loans and numerous consumer credit products like installment and mortgage loans, home equity lines of credit, and overdraft protection. Beyond traditional banking, Uwharrie offers digital access through internet, mobile, and telephone banking, in addition to providing check and credit cards. The firm further diversifies its services by offering insurance products, encompassing annuities, life and disability coverage, long-term care plans, and Medicare supplements. Moreover, it operates as a securities broker-dealer and a mortgage brokerage. The company also delivers portfolio management services, with a specific focus on clients situated in North Carolina's Charlotte Metropolitan and Uwharrie Lakes Regions. Founded in 1993, Uwharrie Capital Corp is headquartered in Albemarle, North Carolina.
Sector: State Commercial Banks
Industry: Banks - Regional
Uwharrie Capital Corp OTC:UWHR Financial Services · Banks - Regional
All Press Release SEC Filings News
Press Release
Uwharrie Capital Corp Declares Stock Dividend
Uwharrie Capital Corp's board declared a 3% common stock dividend on October 20, 2026, payable November 23, 2026 to shareholders of record as of November 5.
Shares will be issued in book-entry form with no stock certificates; fractional shares will be cashed out in lieu.
A stock dividend is a routine, non-cash distribution from the community-bank holding company and carries no earnings or liquidity impact.
• 5d ago AI analysis › SEC Filing ⚠ 3
UWHR: 8-K · earnings release
Uwharrie Capital Corp filed an 8-K on August 21, 2026 (Item 2.02) furnishing its quarterly shareholder report for the period ended June 30, 2026. Q2 net income was $3.9M, up 39% from $2.8M in Q2 2025, with EPS of $0.53 versus $0.37 a year earlier, and six-month net income rose 33% to $7.1M.
The balance sheet strengthened as well: total assets reached $1.22B (+4.5% YoY), total deposits reached $1.1B (+3.5% YoY), and book value per share rose to $9.91 from $7.58.
Management cautioned that reported earnings were boosted by non-recurring items — gains on the sale of Visa shares and a $424K reversal of credit loss reserves — which it says are not representative of the organization's ongoing earnings capacity.
Separately, Uwharrie Bank was recognized by the American Bankers Association as the 12th top-performing publicly traded bank in the U.S. among banks under $2 billion in assets.
SEC 8-K • 2mo ago AI analysis › SEC Filing ⚠ 5
UWHR: 10-Q · periodic report
Uwharrie Capital Corp reported second-quarter 2026 net income of $3.9 million, or $0.53 per diluted share, up from $2.8 million, or $0.37, in the year-ago quarter. First-half net income rose to $7.1 million from $5.4 million, lifting total shareholders' equity to $81.1 million.
Results were helped by an $827,000 nonrecurring gain on Visa Inc.'s Class B-1 exchange offer, a $424,000 provision for credit losses recovery versus a $254,000 provision a year earlier, and $18.3 million of organic deposit growth. Net interest margin slipped to 3.52% from 3.56%, while noninterest expense rose $683,000 on higher wages and donations.
Total assets reached $1.22 billion, up $25.8 million since year-end, with the allowance for credit losses declining to 0.86% of loans even as nonaccrual loans ticked up to 0.11% from 0.05%. The company repurchased 68,263 shares for $765,000 in the first half, and its subsidiary bank remains well-capitalized under Basel III rules.
SEC 10-Q • 2mo ago AI analysis › Press Release ⚠ 1
Second Quarter 2026 - Earnings Release
Uwharrie Capital Corp reported Q2 2026 net income available to common shareholders of $3.8 million, or $0.53 per share, compared to $2.7 million, or $0.37 per share, in the prior year.
Total assets increased to $1.22 billion at June 30, 2026, from $1.20 billion at year-end 2025, reflecting continued growth.
Results benefited from non-recurring items, including an $850 thousand gain from a Visa exchange offer and a $424 thousand CECL reserve reversal.
• 3mo ago AI analysis › SEC Filing
UWHR: 8-K · earnings release
Uwharrie Capital Corp reported Q1 2026 net income of $3.2 million, a 23% increase from $2.6 million in the prior year quarter, driven by higher net interest income and noninterest income.
Total assets grew 4% to $1.25 billion, supported by $51 million in deposit growth. Credit quality remains strong with only 0.29% of loans past due 30+ days or non-accrual, significantly better than the FFIEC peer average of 1.25%.
The company reported basic EPS of $0.43 versus $0.33 in Q1 2025. Management highlighted continued stability in core financial services and a disciplined approach to growth amid a mixed but constructive economic environment.
SEC 8-K • 5mo ago AI analysis › SEC Filing
UWHR: 8-K · proxy statement
Uwharrie Capital Corp held its Annual Meeting of Shareholders on May 19, 2026, and reported the voting results for four proposals. All seven nominees for the Board of Directors were elected, with significant majority support for each candidate.
Shareholders also approved a non-binding resolution on executive compensation and voted to hold future advisory votes on compensation every three years. The appointment of Forvis Mazars, LLP as the independent registered public accounting firm for 2026 was ratified with overwhelming support.
The filing indicates a routine governance cycle with no contested elections or significant dissent, reflecting standard operational continuity for the company.
SEC 8-K • 5mo ago SEC Filing ⚠ 1
UWHR: 10-Q · periodic report
Uwharrie Capital Corp reported net income of $3.2 million for the quarter ended March 31, 2026, a 26% increase from the prior year's quarter. Earnings per share rose to $0.43 from $0.33, driven by growth in net interest income and noninterest income, as well as a recovery of credit losses.
The company experienced a $50.6 million increase in deposits, which boosted cash and cash equivalents by $42.9 million to $116.2 million. Total assets grew to $1.25 billion, reflecting this organic deposit growth and investment activities.
Asset quality remained strong, with the allowance for credit losses representing 0.93% of total loans, consistent with the prior quarter. Nonperforming assets totaled $416,000, a slight increase from $378,000 at year-end, while the company repurchased approximately 25,600 shares of common stock.
SEC 10-Q • 5mo ago AI analysis › Press Release
Uwharrie Capital Corp First Quarter 2026 - Earnings Release
Uwharrie Capital Corp reported Q1 2026 net income of $3.2 million, up from $2.6 million in the prior-year period.
Net income available to common shareholders was $3.1 million, or $0.43 per share, compared to $2.4 million, or $0.33 per share, a year ago.
Consolidated total assets grew to $1.25 billion, up from $1.20 billion at year-end 2025, driven by improved net interest margins.
• 5mo ago AI analysis › 
