Uwharrie Capital Corp Financial Ratios — UWHR Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	1.29	-1.22	0.77	5.54	7.02	7.65	4.65	8.38	10.42	26.5	26.79	18.05	16.58	16.95	16.97
Return on Assets (%)	0.17	0.08	0.09	0.21	0.27	0.3	0.18	0.32	0.39	1.02	1.08	0.78	0.77	0.85	0.93
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	5.77	6.45	7.47	7.3	6.8	6.95	6.17	7.29	7.8	6.21	6.96	7.67	6.59	6	5.59
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	4.19	2.78	5.64	10.42	11.98	12.31	13.27	11.09	13.57	25.04	29.31	26.94	26.11	28.3	29.58
Profit Margin (%)	3.44	1.46	2.07	4.87	6.03	6.41	3.95	6.92	8.88	18.08	21.72	20.79	19.48	20.72	21.86
Net Income to Common Margin (%)	0.98	-0.87	0.66	4.87	6.03	6.41	3.95	6.92	8.88	18.08	21.72	20.79	19.48	20.72	21.86
Effective Tax Rate (%)	17.88	47.46	26.39	27.85	28.65	28.82	52.89	18.95	19.98	22.38	21.51	17.13	20.14	22.35	22.26
Dvd Payout Ratio (%)	-39.22	41.49	31.98	18.59	22.78	21.15	26.87	18.71	15.45	6.54	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	1.8	-0.72	0.53	4.51	5.42	6.03	3.4	6.81	8.81	24.77	26.79	18.05	16.58	16.95	16.97

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	46	31	15	14	15	12	11	11	11	12	31	31	30	31	29
ST Debt	21	19	4	5	6	3	2	1	1	1	1	1	1	1	- -
LT Debt	25	13	11	10	10	10	10	10	10	11	30	30	29	29	29
Total Debt/EBITDA	30.52	17.57	8.85	8.73	9.58	6.96	7.1	5.56	4.79	4.52	10.03	10.82	11.23	11.31	10.55
Net Debt/EBITDA	11.5	-28.22	-33.37	-22.41	-33.58	-19.25	-37.18	-53.17	-65.18	-29.79	-20.91	-29.62	-12.14	-8.02	-16.05
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.77	3.58	3.79	3.8	3.87	3.95	3.84	3.69	3.82	3.84	4.18	4.5	4.76	5.24	5.68
Long-Term Debt/Equity (%)	57.02	29.66	27.56	22.62	22.04	21.9	21.41	22.08	20.45	18.56	48.58	79.17	58.87	50.56	38.45
Long-Term Debt/Capital (%)	33.12	20.68	24.64	21.48	20.52	21.42	21.61	22.09	21.55	20.29	36.68	33.96	31.58	29.04	26.97
Long-Term Debt/Total Assets (%)	4.79	2.33	2.16	1.84	1.79	1.74	1.65	1.58	1.52	1.33	3.14	2.9	2.71	2.58	2.43
Total Debt/Equity (%)	104	73.4	37.45	33.7	35.33	28.05	25.34	24.71	21.73	19.75	50.36	81.96	61.66	53.01	38.48
Total Debt/Capital (%)	60.4	51.18	33.48	32.02	32.9	27.43	25.59	24.73	22.9	21.6	38.02	35.16	33.08	30.44	27
Total Debt/Total Assets (%)	8.73	5.75	2.93	2.75	2.88	2.23	1.96	1.77	1.62	1.41	3.26	3.01	2.84	2.71	2.43
Net Debt to Equity	39.18	-117.87	-141.26	-86.48	-123.81	-77.56	-132.73	-236.35	-295.92	-130.27	-104.96	-224.43	-66.65	-37.61	-58.57
Net Debt/Capital (%)	36.49	246.3	211.28	579.85	239.3	2,317.09	224.83	146.69	132.85	222.41	459.22	306.3	-114.76	-45.04	-128.79
EBITDA	2	2	2	2	2	2	2	2	2	3	3	3	3	3	3
EBITDA-CapEx	- -	1	1	-1	1	1	- -	1	1	2	2	2	1	2	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.77	3.58	3.79	3.8	3.87	3.95	3.84	3.69	3.82	3.84	4.18	4.5	4.76	5.24	5.68
Long-Term Debt/Equity (%)	57.02	29.66	27.56	22.62	22.04	21.9	21.41	22.08	20.45	18.56	48.58	79.17	58.87	50.56	38.45
Long-Term Debt/Capital (%)	33.12	20.68	24.64	21.48	20.52	21.42	21.61	22.09	21.55	20.29	36.68	33.96	31.58	29.04	26.97
Long-Term Debt/Total Assets (%)	4.79	2.33	2.16	1.84	1.79	1.74	1.65	1.58	1.52	1.33	3.14	2.9	2.71	2.58	2.43
Total Debt/Equity (%)	104	73.4	37.45	33.7	35.33	28.05	25.34	24.71	21.73	19.75	50.36	81.96	61.66	53.01	38.48
Total Debt/Capital (%)	60.4	51.18	33.48	32.02	32.9	27.43	25.59	24.73	22.9	21.6	38.02	35.16	33.08	30.44	27
Total Debt/Total Assets (%)	8.73	5.75	2.93	2.75	2.88	2.23	1.96	1.77	1.62	1.41	3.26	3.01	2.84	2.71	2.43
CFO/Total Liabilities	2.13	-0.08	1.93	0.6	- -	0.8	1.08	0.73	1.16	0.28	-0.4	3.15	0.91	1.31	0.88
CFO/CapEx	7.48	-0.51	18.87	1.27	-0.02	6.15	3.33	3.86	4.47	3	-4.64	70.88	5.2	16.65	5.94
Altman's Z-Score	0.11	0.1	0.1	0.1	0.11	0.13	0.12	0.11	0.12	0.12	0.14	0.12	0.13	0.14	0.15

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	25.08	14.42	13.12	12.79	14.18	15.8	15.44	15.88	16.58	19.91	17.26	11.95	10.27	10.31	11.24
Days Sales Outstanding	14.55	25.31	27.81	28.54	25.73	23.1	23.64	22.99	22.02	18.33	21.15	30.56	35.53	35.42	32.47
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	23	23	21	24	29	39	41	37	41	40	67	60	62	66	79
- Cash & Cash Equivalents	29	82	72	51	69	46	70	118	155	89	94	115	63	52	73
+ Preferred Equity and Hybrid Capital	10	10	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	11	11	11	11	11	11	11	11	11	11	11	11	11
+ Total Debt	46	31	15	14	15	12	11	11	11	12	31	31	30	31	29
Enterprise Value	-38	-109	-126	-115	-103	-90	-103	-150	-181	-218	-317	-338	-297	-278	43
Total Capital	76	61	45	44	47	45	44	45	46	54	81	87	92	100	108
Total Debt/Capital (%)	60.4	51.18	33.48	32.02	32.9	27.43	25.59	24.73	22.9	21.6	38.02	35.16	33.08	30.44	27
Total Debt / EV	-1.2	-0.29	-0.12	-0.12	-0.15	-0.14	-0.11	-0.07	-0.06	-0.05	-0.1	-0.09	-0.1	-0.11	0.67
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.01	0.87
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.79	15.63
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.22	4.37
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.04	3.74
Diluted Market Cap	23	23	21	24	29	39	41	37	41	40	67	60	62	66	79
Diluted Enterprise Value	50	-17	-26	-2	-14	16	-8	-59	-92	-26	13	-14	40	55	46
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.13	5.95
TTM Sales	26	28	23	22	23	25	26	28	28	42	44	37	41	45	49
TTM EBITDA	2	2	2	2	2	2	2	2	2	3	3	3	3	3	3
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	10	- -	9	3	- -	4	6	4	7	2	-4	31	9	14	10
TTM Free Cash Flow to Firm	12	- -	10	5	1	5	7	5	9	3	-3	31	11	15	12

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	1.93	55.62	2.15	4.79	41.69	8.27	5.44	6.94	4.82	13.96	-23.92	1.91	5.6	4.43	6.88
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-38	-109	-126	-115	-103	-90	-103	-150	-181	-218	-317	-338	-297	-278	43
Low Price	1.74	1.59	1.55	1.91	2.47	3.15	4.4	3.95	3.99	3.66	4.78	5.73	5.54	7.12	8
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.01	0.87
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.79	15.63
Price/Earnings	88.37	- -	138.08	22.27	20.77	24	39.96	19.59	16.45	5.33	6.99	7.77	7.77	7.09	7.35
Price/Earnings Average	103.41	-94.37	144.24	21.34	18.8	21.72	39.54	22.23	14.97	5.22	6.11	7.73	6.85	6.15	6.29
Price/Earnings High	135.52	-139.61	175.36	26.78	23.99	29.24	44.72	24.88	18.28	5.98	7.77	9.87	7.77	7.09	7.35
Price/Earnings Low	64.6	-61.66	94.7	15.93	15	16.51	36.11	16.86	12.82	3.92	3.96	5.79	5.22	5.64	5.37
Price/Book Value	1.13	1.17	1.06	1.23	1.43	1.79	1.84	1.6	1.65	1.26	1.7	1.3	1.22	1.12	1.17
Price/Book Value Average	1.33	1.17	1.11	1.18	1.29	1.62	1.82	1.82	1.51	1.24	1.48	1.3	1.08	0.97	1
Price/Book Value High	1.74	1.72	1.35	1.48	1.65	2.18	2.06	2.03	1.84	1.42	1.88	1.65	1.22	1.12	1.17
Price/Book Value Low	0.83	0.76	0.73	0.88	1.03	1.23	1.66	1.38	1.29	0.93	0.96	0.97	0.82	0.89	0.85
Price/Tangible Book Value	0.68	0.71	0.51	0.57	0.68	0.89	0.91	0.83	0.85	0.68	1.09	1.6	1.26	1.15	1.05
Price/Tangible Book Value Average	0.8	0.7	0.54	0.55	0.61	0.81	0.9	0.94	0.77	0.66	0.96	1.59	1.11	1	0.9
Price/Tangible Book Value High	1.05	1.04	0.65	0.69	0.78	1.09	1.02	1.05	0.94	0.76	1.22	2.03	1.26	1.15	1.05
Price/Tangible Book Value Low	0.5	0.46	0.35	0.41	0.49	0.61	0.83	0.71	0.66	0.5	0.62	1.19	0.85	0.91	0.77
Price/Sales	0.86	0.82	0.91	1.08	1.25	1.54	1.58	1.36	1.46	0.96	1.52	1.62	1.51	1.47	1.61
Price/Sales Average	1.01	0.82	0.95	1.04	1.13	1.39	1.56	1.54	1.33	0.94	1.33	1.61	1.34	1.28	1.37
Price/Sales High	1.32	1.22	1.15	1.3	1.45	1.88	1.77	1.72	1.62	1.08	1.69	2.05	1.51	1.47	1.61
Price/Sales Low	0.63	0.54	0.62	0.78	0.9	1.06	1.43	1.17	1.14	0.71	0.86	1.2	1.02	1.17	1.17
Price/Cash Flow	2.19	-54.3	2.26	8.55	-2,672.16	9.61	7.08	8.74	5.89	18.63	-18.76	1.93	6.68	4.7	8.04
Price/Cash Flow Average	2.57	-54.15	2.37	8.19	-2,418.66	8.7	7	9.91	5.37	18.24	-16.39	1.92	5.89	4.08	6.88
Price/Cash Flow High	3.36	-80.11	2.88	10.28	-3,086.26	11.71	7.92	11.1	6.55	20.91	-20.85	2.46	6.68	4.7	8.04
Price/Cash Flow Low	1.6	-35.38	1.55	6.11	-1,929.89	6.61	6.4	7.52	4.59	13.69	-10.62	1.44	4.49	3.74	5.87
Price/Free Cash Flow Average	2.26	55.47	2.25	4.59	37.74	7.48	5.38	7.88	4.39	13.67	-20.89	1.9	4.94	3.85	5.89
Price/Free Cash Flow High	2.97	82.07	2.73	5.76	48.15	10.08	6.09	8.81	5.35	15.67	-26.58	2.42	5.6	4.43	6.88
Price/Free Cash Flow Low	1.41	36.25	1.48	3.43	30.11	5.69	4.92	5.97	3.75	10.26	-13.54	1.42	3.76	3.53	5.03
EV/Sales Average	2.07	- -	- -	- -	- -	0.48	- -	- -	- -	- -	0.11	- -	0.79	1.03	0.69
EV/Sales High	2.38	- -	- -	0.14	- -	0.96	- -	- -	- -	- -	0.48	0.07	0.97	1.22	0.92
EV/Sales Low	1.69	- -	- -	- -	- -	0.14	- -	- -	- -	- -	- -	- -	0.48	0.92	0.49
EV/EBITDA Average	35.81	-9.65	-14.52	-1.69	-10.29	6.85	-5.14	-26.75	-43.35	-10.49	1.64	-4.89	12.06	17.18	12.41
EV/EBITDA High	41.24	-3.54	-11.78	1.93	-5.69	13.78	-1.82	-24.24	-39.59	-8.27	6.83	0.92	14.77	20.4	16.56
EV/EBITDA Low	29.25	-14.06	-18.88	-5.3	-13.65	2.04	-7.34	-31.86	-45.8	-14.28	-5.06	-10.15	7.22	15.41	8.81
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	2.38	2.44	2.26	2.67	3.42	4.58	4.87	4.59	5.12	4.98	8.44	7.69	8.25	8.94	10.95
High Price	3.65	3.6	2.87	3.21	3.95	5.58	5.45	5.83	5.69	5.59	9.38	9.77	8.25	8.94	10.95
Enterprise Value Average	54	-17	-25	-3	-16	12	-8	-54	-96	-27	5	-14	33	46	34
Enterprise Value High	62	-6	-20	3	-9	24	-3	-49	-88	-21	21	3	40	55	46
Enterprise Value Low	44	-25	-32	-9	-22	4	-12	-64	-102	-37	-15	-29	20	42	24

Shares Outstanding	10	10	10	9	9	9	9	8	8	8	8	8	7	7	7
Diluted Weighted Avg Shares	9	9	9	9	9	8	8	8	8	8	8	8	8	7	7
Basic Weighted Avg Shares	9	9	9	9	9	8	8	8	8	8	8	8	8	7	7
Revenue per Share	2.76	2.96	2.49	2.46	2.73	2.98	3.08	3.39	3.51	5.17	5.56	4.76	5.45	6.09	6.82
EBITDA per Share	0.16	0.19	0.19	0.18	0.19	0.21	0.19	0.25	0.27	0.32	0.39	0.36	0.36	0.37	0.38
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.03	-0.03	0.02	0.12	0.16	0.19	0.12	0.23	0.31	0.93	1.21	0.99	1.06	1.26	1.49
Basic EPS from Cont Ops	0.1	0.04	0.1	0.19	0.23	0.26	0.19	0.3	0.38	1	1.28	1.06	1.14	1.34	1.57
Diluted EPS, GAAP	0.03	-0.03	0.02	0.12	0.16	0.19	0.12	0.23	0.31	0.93	1.21	0.99	1.06	1.26	1.49
Diluted EPS from Cont Ops	0.1	0.04	0.1	0.19	0.23	0.26	0.19	0.3	0.38	1	1.28	1.06	1.14	1.34	1.57
Dividend per Share	0.06	0.06	0.07	0.05	0.07	0.07	0.07	0.07	0.07	0.07	- -	- -	- -	- -	- -
Cash Flow per Share	1.09	-0.04	1	0.31	- -	0.48	0.69	0.53	0.87	0.27	-0.45	3.98	1.23	1.9	1.36
Free Cash Flow per Basic Share	0.94	-0.13	0.95	0.07	-0.08	0.4	0.48	0.39	0.67	0.18	-0.55	3.92	1	1.79	1.13
Cash & Equivalents per Share	12.39	18.55	18.72	18.03	18.41	17.91	19.87	25.71	30.07	34.75	53.86	56.56	52.92	52.04	10.49
Book Value per Share	2.1	2.09	2.12	2.17	2.4	2.56	2.65	2.87	3.1	3.94	4.98	5.91	6.75	8	9.39
Tangible Book Value per Share	3.48	3.46	4.39	4.66	5.04	5.13	5.33	5.55	6.03	7.34	7.71	4.82	6.54	7.79	10.44

Uwharrie Capital Corp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)