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Uwharrie Capital (Uwharrie Capital) Cyclically Adjusted PB Ratio : 1.35 (As of Jun. 08, 2024)


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What is Uwharrie Capital Cyclically Adjusted PB Ratio?

As of today (2024-06-08), Uwharrie Capital's current share price is $7.46. Uwharrie Capital's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2024 was $5.51. Uwharrie Capital's Cyclically Adjusted PB Ratio for today is 1.35.

The historical rank and industry rank for Uwharrie Capital's Cyclically Adjusted PB Ratio or its related term are showing as below:

UWHR' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.45   Med: 1.17   Max: 1.92
Current: 1.35

During the past years, Uwharrie Capital's highest Cyclically Adjusted PB Ratio was 1.92. The lowest was 0.45. And the median was 1.17.

UWHR's Cyclically Adjusted PB Ratio is ranked worse than
75.8% of 1194 companies
in the Banks industry
Industry Median: 0.91 vs UWHR: 1.35

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Uwharrie Capital's adjusted book value per share data for the three months ended in Mar. 2024 was $5.596. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $5.51 for the trailing ten years ended in Mar. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Uwharrie Capital Cyclically Adjusted PB Ratio Historical Data

The historical data trend for Uwharrie Capital's Cyclically Adjusted PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Uwharrie Capital Cyclically Adjusted PB Ratio Chart

Uwharrie Capital Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.23 1.10 1.73 1.51 1.53

Uwharrie Capital Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.30 1.47 1.46 1.53 1.45

Competitive Comparison of Uwharrie Capital's Cyclically Adjusted PB Ratio

For the Banks - Regional subindustry, Uwharrie Capital's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Uwharrie Capital's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Uwharrie Capital's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Uwharrie Capital's Cyclically Adjusted PB Ratio falls into.



Uwharrie Capital Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Uwharrie Capital's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=7.46/5.51
=1.35

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Uwharrie Capital's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2024 is calculated as:

For example, Uwharrie Capital's adjusted Book Value per Share data for the three months ended in Mar. 2024 was:

Adj_Book=Book Value per Share/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=5.596/131.7762*131.7762
=5.596

Current CPI (Mar. 2024) = 131.7762.

Uwharrie Capital Quarterly Data

Book Value per Share CPI Adj_Book
201406 3.618 100.560 4.741
201409 3.543 100.428 4.649
201412 3.754 99.070 4.993
201503 3.832 99.621 5.069
201506 3.902 100.684 5.107
201509 4.078 100.392 5.353
201512 3.941 99.792 5.204
201603 4.043 100.470 5.303
201606 4.124 101.688 5.344
201609 4.235 101.861 5.479
201612 4.004 101.863 5.180
201703 4.088 102.862 5.237
201706 4.185 103.349 5.336
201709 4.243 104.136 5.369
201712 4.169 104.011 5.282
201803 4.074 105.290 5.099
201806 4.100 106.317 5.082
201809 4.120 106.507 5.098
201812 4.323 105.998 5.374
201903 4.484 107.251 5.509
201906 4.720 108.070 5.755
201909 4.894 108.329 5.953
201912 4.901 108.420 5.957
202003 5.133 108.902 6.211
202006 5.486 108.767 6.647
202009 5.707 109.815 6.848
202012 6.397 109.897 7.671
202103 6.486 111.754 7.648
202106 6.788 114.631 7.803
202109 6.882 115.734 7.836
202112 6.890 117.630 7.719
202203 5.038 121.301 5.473
202206 3.937 125.017 4.150
202209 3.015 125.227 3.173
202212 3.706 125.222 3.900
202303 4.322 127.348 4.472
202306 4.293 128.729 4.395
202309 3.674 129.860 3.728
202312 5.444 129.419 5.543
202403 5.596 131.776 5.596

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Uwharrie Capital  (OTCPK:UWHR) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Uwharrie Capital Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of Uwharrie Capital's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Uwharrie Capital (Uwharrie Capital) Business Description

Traded in Other Exchanges
N/A
Address
132 North First Street, Albemarle, NC, USA, 28001
Uwharrie Capital Corp is a bank holding company. The bank engages in noncommercial loans and commercial banking. It provides a range of banking services, including deposit accounts, home equity and residential mortgage loans, safe deposit boxes and electronic banking services. The bank offers traditional commercial and consumer banking services, including personal and commercial checking and savings accounts, money market accounts, individual retirement accounts, and related business and individual banking services. Its lending activities include commercial and consumer type loans to individuals, including mortgage loans, equity lines of credit and overdraft checking credit. The bank generates revenue through the source of interest, dividend, and others.
Executives
Mary N Klauder director PO BOX 338, ALBEMARLE NC 28002-0338
Matthew D. Mcaulay director PO BOX 338, ALBEMARLE NC 28002-0338
Aaron David Bates director PO BOX 338, ALBEMARLE NC 28001
Vanessa O Chambers director PO BOX 338, ALBEMARLE NC 28002-0338
Cynthia B Hanson director PO BOX 338, ALBEMARLE NC 28002-0338
Stephen C Seltzer director PO BOX 338, ALBEMARLE NC 28002-0338
Tamara M Singletary officer: EVP & Corporate Secretary PO BOX 338, ALBEMARLE NC 28002-0338
Brooke L Senter officer: Chief People Officer PO BOX 338, ALBEMARLE NC 28002-0338
Cheryl P Rinehardt officer: Chief Credit Officer PO BOX 338, ALBEMARLE NC 28002-0338
Heather H Almond officer: Chief Financial Officer PO BOX 338, ALBEMARLE NC 28002-0338
Jeffrey L Trout officer: President UB Mortgage PO BOX 338, ALBEMARLE NC 28002-0338
Jason R Andrew officer: Chief Information Officer PO BOX 338, ALBEMARLE NC 28002-0338
Merlin Amirtharaj director PO BOX 338, ALBEMARLE NC 28002-0338
Matthew R Hudson director PO BOX 338, ALBEMARLE NC 28002-0338
Chris M Poplin director PO BOX 338, ALBEMARLE NC 28002-0338

Uwharrie Capital (Uwharrie Capital) Headlines