Uwharrie Capital Corp (UWHR) Fair Value 2026

UWHR · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.1 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-27, Uwharrie Capital Corp (UWHR) trades at $13.82, versus a $16.55 median fair value across its 5 active models — 19.7% above the current price. QOC: 8.1/10. Value Trap Risk: 12/100 (SAFE). 5/13 models active.

Key Facts

Ticker
UWHR
Price
$13.82
Quality Score
8.1/10
Value Trap Risk
12/100
Models Active
5/13
Last Updated
Strength: CUCE Ensemble suggests +23.4% upside with 30% confidence
Risk: Limited model coverage (5/13) may reduce confidence

Is Uwharrie Capital Corp (UWHR) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Uwharrie Capital Corp (UWHR) appears undervalued as of : the median of 5 independent fair value estimates is $16.55, 19.7% above the current price of $13.82. Estimates range from $15.97 to $21.25. UWHR scores 8.1/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. UWHR’s +19.7% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Uwharrie Capital Corp Stock in 2026? →

What Fair Value Does Each Model Give UWHR?

5 Intrinsic Value Models vs. Current Price ($13.82)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $16.21 +17.3%
Ensemble · Medium Conviction
 $17.05 +23.4%
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What Is UWHR's Fair Value Range?

Spread across 5 independent models · $15.97 to $21.25

CirclFi's 5 active models place Uwharrie Capital Corp (UWHR) between $15.97 and $21.25 per share, a spread of 32% of the median. The median of that range — $16.55 — is the fair value CirclFi publishes for UWHR, against a current price of $13.82.

Low · FTNNHigh · ML-RIV
$15.97median $16.55$21.25
Where the range comes from
Most bearish modelFTNN Topology$15.97
Most bullish modelML Residual Income$21.25
Model agreement5 bullish · 0 bearishtight

The methods largely agree on UWHR. A band this narrow usually means stable, predictable cash flows that every approach reads the same way, and it is the strongest form of confirmation this engine can produce.

Every figure above is one model's standalone output on UWHR, not a CirclFi price target. How each model works →

What Is Uwharrie Capital Corp (UWHR) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Uwharrie Capital Corp is potentially undervalued at its current price of $13.82. Based on our 13-model framework, Uwharrie Capital Corp's intrinsic value is estimated at a median fair value of $16.55 — representing +19.7% implied upside — with 5 out of 5 active models confirming this thesis. Model dispersion is worth noting: ML-RIV targets $21.25 (+53.8%), versus FTNN at $15.97 (+15.6%). This +38.2% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About UWHR?

5 of 13 models are currently active for UWHR. All 5 active models suggest the stock trades below fair value. Taken together, their median fair value for UWHR is $16.55 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does UWHR Rank in Banks - Regional?

Among 349 Banks - Regional stocks, UWHR ranks #151 by Quality of Company score. CirclFi's QOC score of 8.1/10 evaluates 32 fundamental signals. A score of 8.1 places UWHR in the top tier.

See all Most Undervalued Banks - Regional Stocks →

Uwharrie Capital Corp's positioning within the Banks - Regional segment means that net interest margin (NIM) plays an outsized role in fundamental analysis. The sector's unique characteristics — including fee income diversification — shape both the opportunity set and risk profile.

Is UWHR a Value Trap?

CirclFi's Value Trap algorithm assigns UWHR a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Uwharrie Capital Corp. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Uwharrie Capital Corp earns a quality score of 8.1/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +38.2% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every UWHR valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across UWHR's 5 active models, average confidence is 41%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Uwharrie Capital Corp Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

FDBCFidelity D & D Bancorp, Inc.QOC 8.1TRSTTrustCo Bank Corp NYQOC 8.1CZNCCitizens & Northern CorporationQOC 8.1FNRNFirst Northern Community BancorpQOC 8.1OPBKOP BancorpQOC 8.1RNSTRenasant CorporationQOC 8.1BOHBank of Hawaii CorporationQOC 7.7FSEAFirst Seacoast Bancorp, Inc.QOC 6.2BWFGBankwell Financial Group, Inc.QOC 8.5ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: FDBC · TRST · CZNC · FNRN · OPBK · RNST · BOH · FSEA · BWFG · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to UWHR?

7 companies across all industries closest to UWHR’s Quality of Company score of 8.1/10.

SHWThe Sherwin-Williams CompanyQOC 8.1PEPPepsiCo, Inc.QOC 8.1TMToyota Motor CorporationQOC 8.1SHELShell plcQOC 8.1TFPMTriple Flag Precious Metals Corp.QOC 8.1PECOPhillips Edison & Company, Inc.QOC 8.1NVDANVIDIA CorporationQOC 10.0

Read investment analysis: SHW · PEP · TM · SHEL · TFPM · PECO · NVDA

Where Does UWHR Sit in CirclFi's Banks - Regional Rankings?

UWHR is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Uwharrie Capital Corp’s Valuation?

What is Uwharrie Capital Corp's intrinsic value in 2026?

CirclFi puts Uwharrie Capital Corp (UWHR)'s intrinsic value at $16.55 — the median of 5 independent model estimates as of 2026-08-27, ranging from $15.97 to $21.25. The Quality of Company score is 8.1/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is UWHR overvalued or undervalued right now?

At $13.82, 5 of 5 active models suggest UWHR may be undervalued, while 0 indicate potential overvaluation. The median of all 5 fair value estimates is $16.55, 19.7% above the current price of $13.82 — a consensus view that UWHR is undervalued. The assessment depends on which methodology best fits Uwharrie Capital Corp's business model in Banks - Regional.

What does a Quality of Company score of 8.1 mean for UWHR?

Uwharrie Capital Corp's QOC of 8.1/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on UWHR?

CirclFi analyzes UWHR with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on UWHR?

Of the 5 models currently active on UWHR, ML Residual Income is the most bullish at $21.25 per share, and FTNN Topology is the most bearish at $15.97. CirclFi's published fair value for UWHR is the median of that range, $16.55, not either extreme. The gap between the two ends equals 32% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is UWHR a value trap in 2026?

Uwharrie Capital Corp's Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Uwharrie Capital Corp (UWHR) has a median fair value of $16.55 — 19.7% above the current price of $13.82 — as of 2026-08-27.” Source: circlfi.com/stock/UWHR/ · Methodology
Primary sources for this UWHR valuation
  • Financial statements: Uwharrie Capital Corp 10-K and 10-Q filings on SEC EDGAR (CIK 0000898171) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for UWHR as of ; valuations recomputed .

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