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U & I Financial (UNIF) Price & Analysis

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UNIF Stock Chart & Stats

$3.95

$0.15(3.75%)

At close: Jul 23 4:00 PM EDT

$3.95

$0.15(3.75%)

Day’s Range― - ―

52-Week Range$3.15 - $4.79

Previous CloseN/A

Volume1.50K

Average Volume (3M)355.00

Market Cap

$21.88M

Enterprise Value$10.72

Total Cash (Recent Filing)$51.68M

Total Debt (Recent Filing)$40.00M

Price to Earnings (P/E)―

Beta0.76

Next Earnings

Nov 04, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield1.87%

Share Statistics

EPS (TTM)-0.26

Shares Outstanding5,476,579

10 Day Avg. Volume25

30 Day Avg. Volume355

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

Contract-based Income ModelLease and financing income is earned across contract terms, giving the business a contractual revenue mechanism rather than reliance solely on transaction fees. This model can support repeatable income when contracts are originated and serviced effectively, providing a durable base for financing operations.

Positive Equity BaseThe company retains positive equity despite substantial losses and negative returns. That provides a continuing balance-sheet capital base for leasing and financing activities, although its usefulness is constrained by elevated leverage, contracted assets, and the need to restore profitability.

Loss Severity ImprovedThe sharp improvement in net margin from approximately -87% to -9% indicates that 2025 losses were materially less severe than in 2024. While the company remains unprofitable, this change may offer a base for recovery if revenue and operating performance stabilize.

Bears Say

Declining Revenue And LossesA roughly 26% revenue decline combined with continuing negative EBIT and net margin shows that the core business has not yet regained sustainable earnings power. The swing from profits in 2020–2022 to losses in 2023–2025 also signals an unstable operating trajectory.

Negative Cash GenerationTwo consecutive years of negative operating and free cash flow weaken financial resilience and reduce internally generated funding for leasing growth. Continued cash burn alongside net losses can increase reliance on funding actions or available balance-sheet liquidity to support operations.

Elevated LeverageDebt-to-equity remains materially above its 2023 level, reducing balance-sheet flexibility while earnings and cash flow are weak. Higher leverage can constrain capital allocation and make it harder for the company to absorb further losses or fund recovery without additional financial pressure.

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 $21.88M.

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 43 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.

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 1.87%. 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 5,476,579 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. 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.