United-Guardian (UG) AI Stock Analysis

United-Guardian

(NASDAQ:UG)

Select Model

Rating:82.6Outperform

Price Target:$8.50▲(15.49% Upside)

Action:reiterated

Date:08/18/26

The overall score is driven primarily by United-Guardian’s conservative financial profile, featuring a debt-free balance sheet and robust, well-converted cash flows that provide strong downside protection. A reasonable valuation with a solid, rising dividend and over 30 years of uninterrupted payouts adds to its investment appeal. Technicals are supportive but moderate, showing a steady uptrend without strong momentum, while the recent dividend boost further underscores management’s confidence in growth and shareholder returns.

Positive Factors

Debt-Free Balance SheetZero leverage materially limits financial risk, interest burden, and refinancing exposure. This gives United-Guardian flexibility to fund operations, withstand industry fluctuations, and preserve capital for product development or shareholder returns.

Negative Factors

Modest Revenue GrowthLow-single-digit growth indicates limited current expansion in the company’s specialty ingredients markets. Without stronger volume, pricing, or new-product contribution, revenue growth may constrain operating leverage and the pace of earnings improvement.

United-Guardian (UG) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $32.48M
Dividend Yield: 7.78%
Average Volume (3M): 9,270
Price to Earnings (P/E): 13.1
Beta (1Y): 0.16
Revenue Growth: 3.23%
EPS Growth: -3.58%
Country: US
Employees: 24
Sector: Consumer Defensive
Sector Strength: 62
Industry: Household & Personal Products

United-Guardian Business Overview & Revenue Model

Company Description

United-Guardian, Inc., operating both domestically and globally, specializes in the development, production, and distribution of a diverse range of cosmetic raw materials, pharmaceutical solutions, medical-grade lubricants, and proprietary industrial...

How the Company Makes Money

United-Guardian makes money by manufacturing and selling specialty chemical ingredients to business customers, with revenue primarily driven by product sales rather than subscriptions or consumer retail. Key revenue streams include: (1) Personal care...

United-Guardian Financial Statement Overview

Summary

Financial performance is strong overall, supported by a debt-free balance sheet, high equity, and excellent cash generation with free cash flow closely tracking net income. Income statement quality is solid but not outstanding, as margins are below prior peaks and revenue has been uneven in recent years, keeping the composite score below the top tier.

Income Statement

62Positive

Balance Sheet

91Very Positive

Cash Flow

88Very Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	11.21M	10.55M	12.18M	10.89M	12.70M	13.93M
Gross Profit	5.15M	5.03M	6.46M	5.41M	6.70M	8.18M
EBITDA	3.00M	2.75M	4.20M	3.36M	4.98M	6.02M
Net Income	2.47M	2.11M	3.25M	2.58M	2.57M	4.66M
Balance Sheet
Total Assets	13.59M	13.11M	13.80M	12.92M	10.64M	12.24M
Cash, Cash Equivalents and Short-Term Investments	8.93M	8.57M	9.40M	9.09M	6.48M	8.17M
Total Debt	0	0	0	0	0	0
Total Liabilities	1.96M	1.88M	1.91M	1.53M	1.37M	2.42M
Stockholders Equity	11.63M	11.23M	11.88M	11.39M	9.27M	9.82M
Cash Flow
Free Cash Flow	3.33M	1.91M	3.03M	2.98M	2.45M	5.20M
Operating Cash Flow	3.37M	1.97M	3.47M	3.14M	2.53M	5.31M
Investing Cash Flow	-545.34K	175.34K	-7.08M	4.73M	897.56K	-183.47K
Financing Cash Flow	-2.30M	-2.77M	-2.76M	-459.39K	-3.12M	-5.19M

United-Guardian Technical Analysis

Technical Analysis SentimentPositive

Last Price7.36

Price Trends

50DMA7.04Positive

100DMA7.06Positive

200DMA6.77Positive

Market Momentum

MACD-0.08Negative

RSI57.14Neutral

STOCH50.00Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UG, the sentiment is Positive. The current price of 7.36 is above the 20-day moving average (MA) of 6.87, above the 50-day MA of 7.04, and above the 200-day MA of 6.77, indicating a bullish trend. The MACD of -0.08 indicates Negative momentum. The RSI at 57.14 is Neutral, neither overbought nor oversold. The STOCH value of 50.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UG.

United-Guardian Peers Comparison

Overall Rating

UnderperformOutperform

Sector (62)

Financial Indicators

UG against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UG	83Outperform	$32.48M	13.09	22.24%	7.78%	3.23%	-3.58%
CHD	78Outperform	$25.44B	32.89	18.21%	1.14%	1.70%	2.07%
HNST	69Neutral	$447.38M	-40.25	-6.99%	―	-12.26%	-282.39%
CL	67Neutral	$75.96B	37.02	1135.82%	2.21%	5.91%	-28.30%
Sector *	62Neutral	$20.33B	14.63	-3.31%	3.23%	1.93%	-12.26%
CLX	54Neutral	$10.64B	18.26	-1893.55%	5.66%	-5.41%	-26.46%
GROV	48Neutral	$46.54M	-5.62	-83.49%	―	-14.25%	66.08%

* Consumer Defensive Sector Average

Performance Comparison

UG and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
UG	United-guardian	7.07	0.49	7.50%
CHD	Church & Dwight Company	107.23	22.05	25.89%
CLX	Clorox Company	88.00	-15.86	-15.27%
CL	Colgate-palmolive Company	95.29	22.07	30.14%
HNST	Honest Company, Inc.	4.17	0.81	24.11%
GROV	Grove Collaborative Holdings, Inc.	1.09	-0.21	-16.15%

United-Guardian Corporate Events

Business Operations and StrategyDividendsFinancial Disclosures

United-Guardian Boosts Dividend, Signals Ongoing Growth Confidence

Positive

Jul 17, 2026

On July 16, 2026, United-Guardian announced that its Board of Directors, at a meeting held on July 14, 2026, approved a cash dividend of $0.30 per share, payable on August 4, 2026, to shareholders of record as of July 28, 2026. This marks the 31st co...

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

United-Guardian AI Stock Analysis