UWHARRIE CAPITAL CORP (UWHR)
State Commercial Banks · Financial Services · $80M
Intrinsic Value (Consensus)
$24.52
Current Price
$11.21
Margin of Safety
+118.7%
118.7% Below Intrinsic Value
Value: $25
Price: $11
Valuation Model Estimates
Current Price: $11.21
DCF (Discounted Cash Flow)
$36.36
Graham Number
$17.44
Earnings Power Value
$14.47
Relative Value (P/E)
$29.80
Dividend Discount Model
Not applicable
—
Consensus Value
$24.52
Model Assumptions
Discount Rate
10.3%
Growth Rate
14.6%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
66
Profitability
12/25
Strength
22/25
Valuation
22/25
Growth
10/25
Financial Health Signals
High free cash flow yield (10.2%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $1.49
- EPS (Forward)
- $1.71
- Book Value
- $9.08
- P/E Ratio
- 20.0
- Forward P/E
- 17.4
- PEG Ratio
- —
- ROE
- 2.5%
- Debt/Equity
- 45%
- Revenue Growth
- N/A
- Earnings Growth
- 14.6%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance