Uwharrie Capital Corp.
- UWHR · OTC
- State Commercial Banks
- Albemarle, NC
- 199 employees
- CIK 0000898171
Updated from SEC filings through
Top things to know
Executives
- Roger L. Dick President/CEO of UCC 4, 2026-09-29
- Christy D. Stoner President & CEO UIA & CMO UCC 4, 2026-03-03
- Heather H. Almond Chief Financial Officer 4, 2026-03-03
- Brooke L. Senter Chief People Officer 4, 2026-09-24
- R. David Beaver III Chief Risk Officer 4, 2026-08-19
- Jason R. Andrew Chief Operations Officer 4, 2026-08-06
Uwharrie Capital Corp is a U.S. public company in state commercial banks (SIC 6022), headquartered in Albemarle, NC. It trades as UWHR on OTC. Revenue was $57.8M in the fiscal year ending December 31, 2025, +5.7% from the year before. It reported about 199 employees. Roger L. Dick is President/CEO of UCC.
Five-year financials
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $57.8M 10-K, 2026-03-05 | $54.7M 10-K, 2026-03-05 | $45.7M 10-K, 2026-03-05 | $31.6M 10-K, 2025-03-06 | $27.6M 10-K, 2024-03-06 |
| Operating income | Not on file | Not on file | Not on file | Not on file | Not on file |
| SG&A | Not on file | Not on file | Not on file | Not on file | Not on file |
| Net income | $11.4M 10-K, 2026-03-05 | $9.9M 10-K, 2026-03-05 | $8.6M 10-K, 2026-03-05 | $8.2M 10-K, 2025-03-06 | $10.1M 10-K, 2024-03-06 |
Annual figures from XBRL in each company's own filings. Click a figure to open the filing. SG&A marked derived is general and administrative plus selling and marketing.
Leadership and board
| Name | Title | Source |
|---|---|---|
| Roger L. Dick CEO at Uwharrie Capital Corp | President/CEO of UCC | 4, 2026-09-29 |
| Christy D. Stoner | President & CEO UIA & CMO UCC | 4, 2026-03-03 |
| Heather H. Almond | Chief Financial Officer | 4, 2026-03-03 |
| Brooke L. Senter Chief People Officer at Uwharrie Bank | Chief People Officer | 4, 2026-09-24 |
| R. David Beaver III | Chief Risk Officer | 4, 2026-08-19 |
| Jason R. Andrew COO at Uwharrie Bank | Chief Operations Officer | 4, 2026-08-06 |
| Cheryl P. Rinehardt Chief Credit Officer, EVP at Uwharrie Bank | Chief Credit Officer | 4, 2026-03-03 |
| Jeffrey L. Trout | President UB Mortgage | 4, 2026-03-03 |
| Tamara M. Singletary | EVP & Corporate Secretary | 4, 2026-03-03 |
What Uwharrie Capital Corp does
Uwharrie Capital Corp (the “Company”) is a North Carolina business corporation and registered bank holding company. The Company was incorporated on February 24, 1993 to become the bank holding company for Uwharrie Bank (the “Bank”), a North Carolina commercial bank, originally chartered on September 28, 1983 as Bank of Stanly, and its three wholly owned subsidiaries, The Strategic Alliance Corporation (“Strategic Alliance”), BOS Agency, Inc., a mortgage brokerage company acquired in August 2000., formed in 2004.
Item 1. Business, 10-K for the year ending December 31, 2025
Shares and governance
| Shares outstanding | 7.1 million (as of August 10, 2026) | 10-Q, August 11, 2026 |
|---|---|---|
| Public float | $61.6M (as of June 30, 2025) | 10-K, March 5, 2026 |
| Reportable segments | 1 (period ending June 30, 2026) | 10-Q, August 11, 2026 |
| Latest proxy statement | Meeting April 8, 2026 (filed April 9, 2026) | DEF 14A, April 9, 2026 |
| Auditor | Forvis Mazars, LLP (Asheville, North Carolina) | Latest 10-K |
Insider trades
Open-market buys and sales by officers and directors, from Forms 4 and 5. One row per filing.
| Date | Insider | Trade | Shares | Value | Source |
|---|---|---|---|---|---|
| August 19, 2026 | R. David Beaver III Chief Risk Officer | Sale | 6,981 | $103K | Form 4, August 19, 2026 |
| December 31, 2025 | Roger L. Dick President/CEO of UCC | Buy | 889 | $10K | Form 4, January 2, 2026 |
| December 15, 2025 | S. Todd Swaringen Director | Buy | 160 | $2K | Form 4, June 18, 2026 |
| December 15, 2025 | S. Todd Swaringen Director | Buy | 160 | $2K | Form 4, December 16, 2025 |
Recent 8-K events
- 8-K filed 2026-10-28
- Item 2.02 Results of operations and financial condition (earnings release)
- 8-K filed 2026-10-21
- Item 8.01 Other events
- 8-K filed 2026-08-21
- Item 2.02 Results of operations and financial condition (earnings release)
- 8-K filed 2026-07-22
- Item 2.02 Results of operations and financial condition (earnings release)
- 8-K filed 2026-05-22
- Item 2.02 Results of operations and financial condition (earnings release)
- 8-K filed 2026-05-20
- Item 5.07 Submission of matters to a vote of security holders
- 8-K filed 2026-04-27
- Item 2.02 Results of operations and financial condition (earnings release)
- 8-K filed 2026-02-10
- Item 2.02 Results of operations and financial condition (earnings release)
- 8-K filed 2025-11-21
- Item 2.02 Results of operations and financial condition (earnings release)
- 8-K filed 2025-10-29
- Item 2.02 Results of operations and financial condition (earnings release)
- Item 8.01 Other events
Frequently asked questions about Uwharrie Capital Corp
- What does Uwharrie Capital Corp do?
- In its own words, from Item 1 of its 10-K: "Uwharrie Capital Corp (the “Company”) is a North Carolina business corporation and registered bank holding company. The Company was incorporated on February 24, 1993 to become the bank holding company for Uwharrie Bank (the “Bank”), a North Carolina commercial bank, originally chartered on September 28, 1983 as Bank of Stanly, and its three wholly owned subsidiaries, The Strategic Alliance Corporation (“Strategic Alliance”), BOS Agency, Inc., a mortgage brokerage company acquired in August 2000., formed in 2004."
- What is Uwharrie Capital Corp's revenue?
- $57.8M for the fiscal year ending December 31, 2025, from its 10-K filed March 5, 2026.
- Is Uwharrie Capital Corp profitable?
- Uwharrie Capital Corp reported net income of $11.4M for the fiscal year ending December 31, 2025.
- How many employees does Uwharrie Capital Corp have?
- About 199, as stated in its annual report.
- Who is the CEO of Uwharrie Capital Corp?
- Roger L. Dick, President/CEO of UCC, as named in a 4 filed September 29, 2026.
- Who is the CFO of Uwharrie Capital Corp?
- Heather H. Almond, Chief Financial Officer, as named in a 4 filed March 3, 2026.
- Where is Uwharrie Capital Corp headquartered?
- Albemarle, NC.
- What is Uwharrie Capital Corp's stock ticker?
- UWHR on OTC.
- What industry is Uwharrie Capital Corp in?
- State Commercial Banks, SIC code 6022.
- What is Uwharrie Capital Corp's website?
- uwharrie.com. Investor relations: https://www.uwharrie.com/about-us/investors/.
- When does Uwharrie Capital Corp report earnings next?
- November 14, 2026. Source: estimate_10q_cadence.
- Is Uwharrie Capital Corp a public company?
- Yes. Uwharrie Capital Corp files with the SEC under CIK 0000898171 and trades as UWHR.
- Who audits Uwharrie Capital Corp?
- Forvis Mazars, LLP, Asheville, North Carolina, as named in its latest annual report (10-K).
- How many shares of Uwharrie Capital Corp are outstanding?
- 7.1 million shares as of August 10, 2026, from its 10-Q filed August 11, 2026.
- What is Uwharrie Capital Corp's public float?
- $61.6M as of June 30, 2025, as reported on the cover of its 10-K filed March 5, 2026.
- How many business segments does Uwharrie Capital Corp report?
- 1 reportable segment for the period ending June 30, 2026, from its 10-Q filed August 11, 2026.
- When is Uwharrie Capital Corp's annual shareholder meeting?
- April 8, 2026, per its proxy statement (DEF 14A) filed April 9, 2026.
- Have Uwharrie Capital Corp insiders traded stock recently?
- Since December 15, 2025, officers and directors reported 1 open-market sale worth about $103K and 3 purchases worth about $13K on Forms 4 and 5. The most recent: R. David Beaver III (Chief Risk Officer) sold 6,981 shares on August 19, 2026.