Q3 earnings were flat year-over-year, breaking a trend of growth seen in the first half of 2026. Monitor the Q4 2026 release for signs of margin compression or loan growth deceleration.
Price Chart
Executive Summary
Uwharrie Capital Corp reported Q3 2026 net income flat at $2.9M vs Q3 2025, with EPS of $0.37 per share unchanged year-over-year. Nine-month net income available to common shareholders rose to $9.6M ($1.31/share) from $7.8M ($1.05/share) in the prior year period, a 23% increase. Total assets grew to $1.23B from $1.20B at year-end 2025.
Key Financial Metrics
Key Facts
- Q3 2026 net income flat at $2.9M vs Q3 2025
- Q3 2026 EPS $0.37 per share, unchanged year-over-year
- Nine-month net income available to common shareholders $9.6M vs $7.8M, up 23%
- Nine-month EPS $1.31 vs $1.05, up 24.8%
- Total assets $1.23B at Sep 30, 2026 vs $1.20B at Dec 31, 2025
- No guidance provided in the release
Financial Impact
Nine-month net income available to common shareholders increased $1.8M to $9.6M; Q3 net income flat at $2.9M
Risk Factors
- Flat Q3 net income suggests slowing earnings momentum after strong H1 growth
- No guidance provided, limiting forward visibility
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-436138 |
| Document: uwhr-ex99_1.htm | 0001193125-26-436138 |
| Document: 0001193125-26-436138-index-headers.html | 0001193125-26-436138 |
| Document: 0001193125-26-436138-index.html | 0001193125-26-436138 |
| Document: 0001193125-26-436138.txt | 0001193125-26-436138 |
| 8-K Data (Synthetic) | 0001193125-26-436138 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 28, 2026 2d ago | 8-K | $14.33 | awaiting T+20 | awaiting T+20 | $14.39 (+0.42%) |
Oct 21, 2026 9d ago | 8-K | $14.01 | awaiting T+20 | awaiting T+20 | $14.39 (+2.71%) |
Aug 21, 2026 10w ago | 8-K | $13.82 $14.80 | ▲ +7.09% | ▲ +7.37% | $14.39 (+4.12%) |
Jul 22, 2026 14w ago | 8-K | $12.55 $13.81 | ▲ +10.04% | ▲ +7.14% | $14.39 (+14.66%) |
May 22, 2026 23w ago | 8-K | $11.30 $11.30 | · 0.00% | ▲ +1.42% | $14.39 (+27.35%) |
Apr 29, 2026 26w ago | DEFA14A | $11.40 $11.30 | ▼ −0.88% | ▼ −6.34% | $14.39 (+26.23%) |
Apr 27, 2026 26w ago | 8-K | $11.50 $11.40 | ▼ −0.87% | ▼ −5.83% | $14.39 (+25.13%) |
US Market Status
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