Uwharrie Capital's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Uwharrie Capital (UWHR) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Uwharrie Capital vs Its Competitors
- TTM: Trailing 12-month revenue of 53M vs 631,484M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+10.5% annualized vs trailing 12 months), vs accelerating (+11.6%) for its tracked peer group.
- Growth: Uwharrie Capital generated 16.7% revenue growth year over year in Q2 2026, vs 30.8% for its tracked competitors combined.
- Profitability: Its 26.7% net margin compares with 31.3% for the peer group.
- Scale: Uwharrie Capital ranks #184 of 216 companies by market capitalization in the Regional Banks industry, holding 0.0% of industry market cap.
- Peer revenue share: Uwharrie Capital accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.27M compares with $0.50M for the peer group (0.5x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
UWHR Sales vs. its Competitors, Q2 2026
Uwharrie Capital reported revenue growth of 16.67 % year on year in Q2 2026, below its competitors' combined revenue growth of 30.79 %.
With a net margin of 26.70 %, Uwharrie Capital reported lower profitability than its competitors (31.27 %).
Uwharrie Capital generated 0.01 % of the combined sales of its peer group, up from 0.01 % a year earlier.
Uwharrie Capital vs. its Competitors, Q2 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Uwharrie Capital and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Uwharrie Capital Corp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (7) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Uwharrie Capital's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue 7.8% year over year, combined, vs 16.7% for Uwharrie Capital. Uwharrie Capital's share of combined industry revenue moved from 0.01% to 0.01%, a gain of 0.00 percentage points.
Uwharrie Capital's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Uwharrie Capital Corp | Yes | Yes | No | No |
| Competitors combined (85) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
UWHR Stock Performance relative to its Competitors
UWHR Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Brookline Bancorp inc | 282.9% | Outperformed |
| 2 | The Bank Of New York Mellon Corporation | 282.9% | Outperformed |
| 3 | Orix Corporation | 282.9% | Outperformed |
| 4 | Wsfs Financial Corporation | 282.9% | Outperformed |
| 5 | Peoples Bancorp Of North Carolina Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Uwharrie Capital's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Uwharrie Capital's Comment on Competition and Industry Peers
Commercial banking in North Carolina is extremely competitive, due in large part to early adoption of statewide and interstate branching laws. The Company encounters significant competition from a number of sources, including other bank holding companies, commercial banks, thrift and savings and loan institutions, credit unions, and other financial institutions and financial intermediaries.
Among commercial banks, the Bank competes in its market areas with some of the
largest banking organizations in the state, several of which have hundreds of
branches in North Carolina and billions of dollars in assets. Moreover, competition
is not limited to financial institutions based in North Carolina. The enactment
of federal legislation authorizing nationwide interstate banking has greatly
increased the size and financial resources of some of the Company’s competitors.
Consequently, some competitors have substantially higher lending limits due
to their greater total capitalization, and may perform functions for their customers
that the Company currently does not offer. As a result, the Company could encounter
increased competition in the future that may limit its ability to maintain or
increase its market share or otherwise materially and adversely affect its business,
results of operations and financial condition.
The Bank depends on its reputation as a community bank in its local market,
direct customer contact, its ability to make credit and other business decisions
locally, and personalized service to counter these competitive disadvantages.
Publicly Traded Peers of Uwharrie Capital Corp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Uwharrie Capital Corp | 99.91 | 53.06 |
| Jpmorgan Chase and Co | 891,322.19 | 186,328.00 |
| Bank Of America Corporation | 397,023.31 | 121,098.00 |
| Wells Fargo and Company | 246,306.21 | 83,940.00 |
| Citigroup inc | 230,045.28 | 88,262.00 |
| Capital one financial corp | 119,915.78 | 51,099.00 |
| SUBTOTAL | 2,681,759.73 | 794,776.53 |
Sign in to see all competitors of Uwharrie Capital Corp.
Sources: Uwharrie Capital Corp's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Uwharrie Capital Corp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Uwharrie Capital's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| First Citizens Bancshares Inc | Commercial Bank 46.42 % |
| Webster Financial Corporation | Commercial Banking 48.55 % |
| Wesbanco Inc | Community Banking 98.24 % |
| Brc Group Holdings Inc | Reportable 93.26 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Uwharrie Capital's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Uwharrie Capital Corp | 100 | 266,633 | 65,849 |
| Jpmorgan Chase and Co | 891,322 | 584,995 | 200,752 |
| Bank Of America Corporation | 397,023 | 568,535 | 158,005 |
| Wells Fargo and Company | 246,306 | 351,213 | 95,100 |
| Citigroup inc | 230,045 | 390,540 | 72,049 |
| Capital one financial corp | 119,916 | 669,712 | 137,615 |
| PEERS TOTAL | 2,681,660 | 495,343 | 134,183 |
Sign in to see all peers for Uwharrie Capital Corp.
Uwharrie Capital's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Brc Group Holdings Inc | North America 93.52 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Uwharrie Capital's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Uwharrie Capital's industry classification, broader than the peer set above. Market cap in millions of $.Uwharrie Capital ranks #184 of 198 companies by market capitalization in its industry, holding 0.01 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 524, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 113,809 | 14.98 % |
| 2 | Deutsche Bank Aktiengesellschaft | 72,185 | 9.50 % |
| 3 | State Street Corp | 49,787 | 6.55 % |
| 4 | Fifth Third Bancorp | 46,604 | 6.13 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | Bank Bradesco | 1,234 | 5.2% |
| 184 | Uwharrie Capital Corp | 102 | 0.01 % |
Market cap and industry share for the rest of Uwharrie Capital's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-30.
Uwharrie Capital's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 179 | Bogota Financial Corp | 114 | -0.11 % |
| 180 | Peoples Financial Corporation | 113 | - |
| 181 | Union Bankshares Inc | 111 | - |
| 182 | Pathfinder Bancorp Inc | 107 | - |
| 183 | Bank Of South Carolina Corporation | 1,234 | 12.3% |
| 184 | Uwharrie Capital Corp | 102 | - |
| 185 | 1895 Bancorp Of Wisconsin Inc | 1,234 | 12.3% |
| 186 | First Us Bancshares Inc | 1,234 | 12.3% |
| 187 | Auburn National Bancorporation Inc | 1,234 | 12.3% |
| 188 | First Northwest Bancorp | 1,234 | 12.3% |
| 189 | United Bancorp Inc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Uwharrie Capital's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-30. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Uwharrie Capital's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (130 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 64.14 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 63.55 % | 49.90 % (avg) | +13.6 pp |
| Capital Intensity (Capex / Revenue) | 7.78 % | 3.18 % (avg) | +4.6 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Uwharrie Capital's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (130 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 6.5x | 15.6x | -9.1x |
| EV / EBITDA | -5.3x | 6.2x | -11.5x |
| P/B | 1.1x | 1.3x | -0.2x |
| Return on Equity | 17.23 % | industry aggregate | 6.35 % |
| Return on Invested Capital | - | 3.20 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Uwharrie Capital's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 1.73 % | 5.73 % | 35.35 % | 13.97 % | -13.78 % | 2.65 % | 10.94 % | 9.42 % |
| Operating Margin | 10.84 % | 12.95 % | 25.90 % | 27.95 % | 25.12 % | 26.46 % | 28.27 % | 29.57 % |
| Return on Invested Capital | 2.60 % | 3.01 % | 8.03 % | 7.70 % | 1.64 % | 0.97 % | 1.06 % | 7.76 % |
| P/E | 16.8x | 14.7x | 5.1x | 6.7x | 7.0x | 6.8x | 6.1x | 6.8x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Uwharrie Capital's BCG Growth-Share Matrix
Relative market share (vs Uwharrie Capital's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Uwharrie Capital falls in the Question Mark quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 12.3% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Uwharrie Capital's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 524 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | High (capital intensive) | Capital intensity (capex / revenue) of 7.78 % vs industry average 3.18 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Uwharrie Capital's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Uwharrie Capital's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Uwharrie Capital's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Uwharrie Capital falls in the Medium attractiveness / Medium strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Uwharrie Capital's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Return on equity 6.4 points above the industry aggregate.
- Latest-quarter revenue run-rate is accelerating (+10.5% annualized vs trailing 12 months).
Weaknesses
- Low relative market share vs the industry leader (0.00x).
Opportunities
- Industry revenue growing at a healthy 12.3% median pace.
Threats
- High capital intensity requires continuous reinvestment just to keep pace with the industry.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Uwharrie Capital's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Uwharrie Capital Corp | 0.03 | 1.08 | 0.39 |
| Jpmorgan Chase and Co | 0.17 | 0.42 | 1.40 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
| Citigroup inc | 0.01 | 0.40 | 1.75 |
| Capital one financial corp | 0.03 | 1.03 | 0.39 |
Sign in to see all peers for Uwharrie Capital Corp.
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Uwharrie Capital's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Uwharrie Capital Corp | Q2 2026 | +16.7 % | +38.6 % |
| Jpmorgan Chase and Co | Q2 2026 | +30.4 % | +44.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| Citigroup inc | Q1 2026 | +14.1 % | +44.6 % |
| Capital one financial corp | Q2 2026 | +1,392.5 % | - |
| PEERS TOTAL | +23.3 % | +46.9 % |
Sign in to see all peers for Uwharrie Capital Corp.
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Uwharrie Capital's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Uwharrie Capital Corp | Q2 2026 | - | +670.3 % |
| Jpmorgan Chase and Co | Q2 2026 | -6.4 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
| Citigroup inc | Q1 2026 | - | -6.7 % |
| Capital one financial corp | Q2 2026 | -73.8 % | -8.0 % |
Sign in to see all peers for Uwharrie Capital Corp.
Uwharrie Capital's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Uwharrie Capital Corp | 1.07% | 3.26% | 17.23% |
| Jpmorgan Chase and Co | 1.35% | 3.71% | 17.50% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
| Citigroup inc | 0.61% | 0.63% | 7.62% |
| Capital one financial corp | 1.56% | 3.24% | 9.26% |
Sign in to see all peers for Uwharrie Capital Corp.
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Uwharrie Capital's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Uwharrie Capital Corp | 7.75 | 1.88 |
| Jpmorgan Chase and Co | 13.93 | 4.78 |
| Bank Of America Corporation | 12.54 | 3.28 |
| Wells Fargo and Company | 11.71 | 2.93 |
| Citigroup inc | 16.11 | 2.61 |
| Capital one financial corp | 11.49 | 2.35 |
| PEERS AVERAGE | 12.46 | 3.37 |
Sign in to see all peers for Uwharrie Capital Corp.
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.