For the year ending 2025-12-31, UWHR had $21,062K increase in cash & cash equivalents over the period. $8,197K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 11,353 |
| Depreciation and amortization | 1,071 |
| Right of use asset amortization | 396 |
| Provision for credit losses | 726 |
| Gain on sale of mortgage loans | 1,902 |
| (gain) loss on sale of premises and equipment | 15 |
| Gain on sale of oreo | 83 |
| Realized/unrealized (gain) loss on equity securities | -31 |
| Net amortization of premium on investment securities available for sale | 1,763 |
| Net amortization of premium on investment securities held to maturity | 121 |
| Amortization of loan servicing rights | 1,290 |
| Originations and purchases of mortgage loans for sale | 170,390 |
| Proceeds from sale of mortgage loans for sale | 167,834 |
| Mortgage banking derivatives | 31 |
| Loan servicing assets | 1,089 |
| Accrued interest receivable | 73 |
| Prepaid assets | -104 |
| Cash surrender value of life insurance | 143 |
| Miscellaneous other assets | 1,418 |
| Deferred income taxes | -254 |
| Accrued interest payable | -52 |
| Miscellaneous other liabilities | 617 |
| Net cash provided by operating activities | 9,856 |
| Proceeds from maturities, calls and paydowns of securities available for sale | 44,588 |
| Proceeds from maturities, calls and paydowns of securities held to maturity | 4,700 |
| Purchase of investment securities available for sale | 60,535 |
| Purchase of investments in other assets | 89 |
| Proceeds from distributions of investments in other assets | 161 |
| Payments to acquire restricted investments | 70 |
| Net increase in loans | 23,451 |
| Purchase of premises and equipment | 1,659 |
| Proceeds from sale of premises, equipment and other assets | 53 |
| Proceeds from sale of oreo | 189 |
| Net cash used by investing activities | -36,113 |
| Net increase in deposit accounts | 50,545 |
| Net increase (decrease) in federal funds purchased and other short-term borrowings | -1,389 |
| Repayment of long-term borrowings | 190 |
| Repurchase of common stock, net | 1,070 |
| Dividends paid on preferred stock (noncontrolling interest) | 565 |
| Cash paid for fractional shares | 12 |
| Net cash provided by financing activities | 47,319 |
| Increase (decrease) in cash and cash equivalents | 21,062 |
| Cash and cash equivalents, beginning of year | 52,267 |
| Cash and cash equivalents, end of year | 73,329 |
UWHARRIE CAPITAL CORP (UWHR)
UWHARRIE CAPITAL CORP (UWHR)