Urbana (URB.A) AI Stock Analysis

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Urbana

(TSX:URB.A)

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Rating:73Outperform

Price Target:CAD 9.50▲(16.14% Upside)

Action:reiterated

Date:08/17/26

The score is driven primarily by strong capitalization and reported profitability, plus an attractive low P/E valuation. Offsetting these positives, recent negative operating/free cash flow and earnings volatility reduce confidence in cash conversion and stability. Technical signals are neutral, contributing little directional support.

Positive Factors

Conservative Balance SheetLow leverage and substantial equity relative to assets provide financial resilience. This supports Urbana’s ability to withstand portfolio volatility and maintain investment flexibility over the next several months.

Negative Factors

Weak Cash ConversionNegative operating and free cash flow indicate that reported earnings are not consistently converting into cash. This can limit financial flexibility and increase reliance on portfolio liquidity during weaker investment periods.

Urbana (URB.A) vs. iShares MSCI Canada ETF (EWC)

Market Cap: CAD 240.99M
Dividend Yield: 1.71%
Average Volume (3M): 9,261
Price to Earnings (P/E): 3.4
Beta (1Y): 0.42
Revenue Growth: -115.29%
EPS Growth: 38.46%
Country: Canada
Employees: 2
Sector: Financial
Sector Strength: 68
Industry: Asset Management

Urbana Business Overview & Revenue Model

Company Description

Urbana Corporation, a Canadian-domiciled investment fund, operates under the management of Caldwell Investment Management Ltd. Its principal equity strategy involves allocating capital to public stock markets in both the United States and Canada. Wit...

How the Company Makes Money

Urbana makes money primarily through investment returns generated by its portfolio. Key sources include: (1) Realized capital gains when it sells investments for more than their purchase cost; (2) Unrealized gains reflected in changes in the fair val...

Urbana Financial Statement Overview

Summary

Strong reported profitability and a conservative, well-capitalized balance sheet (very low leverage and healthy ROE) support a high score. However, earnings quality is less reliable due to volatile, market-driven results and weak cash conversion: operating cash flow and free cash flow are negative in TTM and 2025, which materially offsets the income-statement strength.

Income Statement

78Positive

Balance Sheet

87Very Positive

Cash Flow

45Neutral

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	73.09M	-14.71M	71.80M	90.51M	23.44M	69.70M
Gross Profit	65.64M	-26.97M	60.69M	6.12M	15.59M	62.71M
EBITDA	123.37M	78.31M	117.26M	80.08M	22.76M	68.71M
Net Income	110.33M	69.22M	101.79M	69.52M	18.92M	59.99M
Balance Sheet
Total Assets	676.61M	614.32M	516.76M	450.65M	367.13M	348.10M
Cash, Cash Equivalents and Short-Term Investments	1.93M	725.16K	18.64M	341.42K	268.58K	387.09K
Total Debt	36.50M	25.90M	0	42.70M	32.00M	23.70M
Total Liabilities	94.46M	79.08M	45.37M	76.07M	57.52M	46.96M
Stockholders Equity	582.15M	535.23M	471.39M	374.57M	309.60M	301.14M
Cash Flow
Free Cash Flow	-13.92M	-10.90M	65.97M	-6.07M	2.04M	6.78M
Operating Cash Flow	-13.92M	-10.90M	65.97M	-6.07M	2.04M	6.78M
Investing Cash Flow	-1.15M	-27.53M	0	0	10.96M	11.81M
Financing Cash Flow	15.80M	20.52M	-47.67M	6.15M	-2.15M	-7.12M

Urbana Technical Analysis

Technical Analysis SentimentNegative

Last Price8.18

Price Trends

50DMA8.38Negative

100DMA8.41Negative

200DMA8.56Negative

Market Momentum

MACD-0.04Negative

RSI45.32Neutral

STOCH63.33Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:URB.A, the sentiment is Negative. The current price of 8.18 is below the 20-day moving average (MA) of 8.26, below the 50-day MA of 8.38, and below the 200-day MA of 8.56, indicating a bearish trend. The MACD of -0.04 indicates Negative momentum. The RSI at 45.32 is Neutral, neither overbought nor oversold. The STOCH value of 63.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TSE:URB.A.

Urbana Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

TSE:URB.A against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TSE:URB	80Outperform	CAD 346.16M	3.41	20.19%	1.56%	-115.29%	38.46%
TSE:QRC	79Outperform	CAD 728.81M	2.08	47.52%	2.63%	33.16%	―
TSE:URB.A	73Outperform	CAD 346.16M	3.41	20.19%	1.71%	-115.29%	38.46%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TSE:STCK	63Neutral	CAD 242.28M	2.52	37.95%	―	834.12%	90.05%
TSE:OLY	61Neutral	CAD 258.90M	16.38	35.11%	6.23%	-11.15%	-31.72%
TSE:AIM	57Neutral	CAD 224.71M	119.72	1.45%	―	-39.01%	―

* Financial Sector Average

Performance Comparison

TSE:URB.A and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
TSE:URB.A	Urbana Corp CL A	8.18	0.41	5.24%
TSE:AIM	Aimia Inc.	2.55	-0.25	-8.93%
TSE:QRC	Queen's Road Capital Investment Ltd.	13.48	4.89	57.00%
TSE:OLY	Olympia Financial	107.59	-4.75	-4.23%
TSE:URB	Urbana Corporation	8.95	1.06	13.48%
TSE:STCK	Stack Capital Group, Inc.	15.45	2.29	17.40%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Aug 17, 2026

Urbana AI Stock Analysis