U & I Financial Corp. (UNIF)

OTHER OTC:UNIF

UNIF

U & I Financial

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U & I Financial (UNIF) Price & Analysis

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UNIF Stock Chart & Stats

$3.88

$0.10(2.67%)

At close: Jan 08 4:00 PM EST

$3.88

$0.10(2.67%)

Day’s Range― - ―

52-Week Range$3.00 - $4.79

Previous CloseN/A

Volume200.00

Average Volume (3M)420.00

Market Cap

$20.52M

Enterprise Value-$5.87M

Total Cash (Recent Filing)$22.56M

Total Debt (Recent Filing)$29.00M

Price to Earnings (P/E)―

Beta0.54

Next Earnings

Jul 23, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)-6.28

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-0.29

Enterprise Value/Revenue-0.18

Enterprise Value/Gross Profit0.36

Enterprise Value/Ebitda0.24

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

Balance Sheet BufferDespite recent losses and asset contraction, positive shareholders' equity provides a tangible capital buffer. That equity base supports regulatory capital metrics and gives management time and flexibility to execute restructuring or recapitalization actions without immediate solvency pressure.

Historic Cash GenerationThe company demonstrated the ability to generate strong free cash flow in 2022–2023, indicating the business model can be cash-generative under healthier conditions. This history supports the plausibility of returning to positive FCF if revenue stabilization and cost controls persist.

Recent Operating ImprovementReported improvement in 2025 versus a very weak 2024 suggests management actions or stabilization in core operations. A credible reduction in loss severity is a durable positive if it reflects structural expense control, improved credit performance, or revenue stabilization rather than one-off items.

Bears Say

Revenue DeclineA ~26% year-over-year revenue decline signals a material deterioration of the franchise or book run-off. Persistent top-line contraction makes margin recovery difficult, constrains operating leverage benefits, and reduces the runway to restore profitability without external capital or major strategic change.

Negative Cash GenerationSustained negative operating and free cash flow over two consecutive years weakens liquidity and increases dependency on external funding or balance-sheet fixes. Continued cash burn limits capacity to invest, deleverage, or absorb shocks, raising medium-term solvency and funding risks.

Rising LeverageA sharp rise in debt-to-equity materially reduces financial flexibility and magnifies downside risk. Elevated leverage increases interest and refinancing burdens, constrains strategic choices, and heightens vulnerability to further earnings weakness or market stress absent credible deleveraging plans.

UNIF FAQ

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

U & I Financial Corp. lowest stock price was $3.00 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 $20.52M.

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

U & I Financial Corp.’s upcoming earnings report date is Jul 23, 2026 which is in 33 days.

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

U & I Financial Corp. released its earnings results on Apr 28, 2026. The company reported -$0.03 earnings per share for the quarter, missing the consensus estimate of N/A by -$0.03.

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 Quarterly 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 -$0.03 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 4.587%.

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.