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U & I Financial (UNIF) Price & Analysis

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UNIF Stock Chart & Stats

$4.10

$0.15(3.75%)

At close: Jul 23 4:00 PM EDT

$4.10

$0.15(3.75%)

Day’s Range― - ―

52-Week Range$3.15 - $4.79

Previous CloseN/A

Volume1.50K

Average Volume (3M)420.00

Market Cap

$22.45M

Enterprise Value$10.72

Total Cash (Recent Filing)$51.68M

Total Debt (Recent Filing)$40.00M

Price to Earnings (P/E)―

Beta0.53

Next Earnings

Nov 04, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)-0.26

Shares Outstanding5,221,566

10 Day Avg. Volume123

30 Day Avg. Volume420

Financial Highlights & Ratios

PEG Ratio0.11

Price to Book (P/B)0.74

Price to Sales (P/S)0.87

P/FCF Ratio-12.96

Enterprise Value/Market Cap<0.01

Enterprise Value/Revenue<0.01

Enterprise Value/Gross Profit<0.01

Enterprise Value/Ebitda>-0.01

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Recurring Leasing And Financing RevenueThe core leasing/financing business produces contractually-backed, recurring fee and interest income. That revenue profile tends to be more predictable than transactional businesses, supporting mid-term cashflow visibility, client stickiness and opportunities to cross-sell ancillary services over 2–6 months and beyond.

Positive Equity BufferMaintaining positive equity provides a meaningful solvency buffer and regulatory/credit comfort for a finance firm. This capital headroom reduces immediate bankruptcy risk, preserves access to lending facilities and allows measured balance-sheet adjustments without forced distress actions over the medium term.

History Of Profitability And Partial RecoveryPrior profitable years (2020–2022) plus an improvement in 2025 versus the extreme 2024 loss indicate operational levers and management capability to restore performance. This track record suggests the franchise can stabilize earnings if revenue trends and cost controls hold over coming quarters.

Bears Say

Sustained Revenue DeclineA ~26% year-over-year revenue drop materially weakens scale and franchise economics for a leasing firm. Persistent top-line contraction reduces interest and fee income, pressures margins, and limits the firm’s ability to rebuild earnings without a clear reversal in originations or portfolio growth.

Negative Operating And Free Cash FlowTwo consecutive years of negative operating and free cash flow signal deteriorating cash generation. That forces reliance on external financing or asset sales, increases liquidity and refinancing risk, and constrains investments needed to reinvigorate origination and margin recovery over the medium term.

Materially Elevated LeverageA sharp increase in debt-to-equity to elevated levels raises interest-rate and refinancing sensitivity for a lender/lessor. Higher leverage reduces financial flexibility, amplifies downside from future losses, and limits capacity to fund growth or absorb credit shocks without costly capital actions.

UNIF FAQ

What was U & I Financial Corp.’s price range in the past 12 months?

U & I Financial Corp. lowest stock price was $3.15 and its highest was $4.79 in the past 12 months.

What is U & I Financial Corp.’s market cap?

U & I Financial Corp.’s market cap is $22.45M.

When is U & I Financial Corp.’s upcoming earnings report date?

U & I Financial Corp.’s upcoming earnings report date is Nov 04, 2026 which is in 88 days.

How were U & I Financial Corp.’s earnings last quarter?

U & I Financial Corp. released its earnings results on Jul 30, 2026. The company reported -$0.074 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.

Is U & I Financial Corp. overvalued?

According to Wall Street analysts U & I Financial Corp.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does U & I Financial Corp. pay dividends?

U & I Financial Corp. pays a Semiannually dividend of $0.1 which represents an annual dividend yield of N/A. See more information on U & I Financial Corp. dividends here

What is U & I Financial Corp.’s EPS estimate?

U & I Financial Corp.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does U & I Financial Corp. have?

U & I Financial Corp. has 5,221,566 shares outstanding.

What happened to U & I Financial Corp.’s price movement after its last earnings report?

U & I Financial Corp. reported an EPS of -$0.074 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went same 0%.

Which hedge fund is a major shareholder of U & I Financial Corp.?

Currently, no hedge funds are holding shares in UNIF

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

U & I Financial Corp.

U & I Financial Corp. functions as the parent organization for UniBank, a financial institution that delivers a broad spectrum of banking solutions and services. The bank primarily serves small to medium-sized businesses, self-employed professionals, and individual customers, with a significant focus on supporting Korean and other ethnic minority communities across the United States. Its deposit offerings include checking, savings, and money market accounts, as well as various certificates of deposit and installment savings plans. For lending, UniBank provides a diverse array of commercial financing options, such as term loans for commercial real estate, construction funding, general business term loans, equipment financing, business lines of credit, expedited business loans, and professional lines of credit. It also specializes in Small Business Administration (SBA) guaranteed loans. Furthermore, the company offers credit card services and convenient online and mobile banking platforms. Established in 2006, U & I Financial Corp. maintains branch locations in Tacoma, Bellevue, and Federal Way, all within Washington state, and operates a loan production office in Atlanta, Georgia. Its corporate headquarters are located in Lynnwood, Washington.