U & I Financial (UNIF) AI Stock Analysis

• Market Cap: $22.28M
• Dividend Yield: 1.87%
• Average Volume (3M): 407.00
• Price to Earnings (P/E): ―
• Beta (1Y): 0.65
• Revenue Growth: -21.16%
• EPS Growth: 95.69%
• Country: US
• Employees: 50
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): -0.26
• Shares Outstanding: 5,476,579
• 10 Day Avg. Volume: 1,040
• 30 Day Avg. Volume: 407
• PEG Ratio: 0.11
• 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
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 41 Neutral
• Price Target: $4.00 ▲(1.27% Upside)
• Action: Reiterated
• Date: 06/10/26

Positive Factors

Contract-based leasing income

The leasing and financing model generates fees and interest across contract terms, providing a defined framework for recurring income from managed customer agreements. This structure can support revenue visibility and relationship continuity when contracts are renewed and the company maintains disciplined origination and servicing.

Negative Factors

Declining revenue and persistent losses

A substantial revenue decline combined with continued net losses signals weakened business activity and an unstable earnings trajectory. Persistent operating losses can erode capital, reduce the ability to invest in growth, and make future profitability dependent on a meaningful improvement in demand or execution.

U & I Financial Business Overview & Revenue Model

Company Description

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 professiona...

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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 professiona...

How the Company Makes Money

UNIF’s earnings are generally generated through financing and leasing activities, primarily by (1) charging lease fees and earning lease-related income over contract terms, and (2) earning interest and fee income from financing arrangements associ...

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UNIF’s earnings are generally generated through financing and leasing activities, primarily by (1) charging lease fees and earning lease-related income over contract terms, and (2) earning interest and fee income from financing arrangements associ...

U & I Financial Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	22.95M	24.37M	35.70M	40.54M	29.61M	22.27M
Gross Profit	15.31M	12.73M	-11.47M	-1.26M	26.62M	22.27M
EBITDA	-845.00K	-1.78M	-23.88M	-13.33M	14.42M	10.75M
Net Income	-1.41M	-2.16M	-31.07M	-10.81M	11.13M	8.50M
Balance Sheet
Total Assets	393.22M	409.11M	522.32M	610.05M	586.73M	455.68M
Cash, Cash Equivalents and Short-Term Investments	51.68M	113.53M	106.45M	110.27M	90.53M	86.12M
Total Debt	40.00M	40.43M	50.76M	21.09M	23.41M	11.72M
Total Liabilities	364.77M	380.21M	492.39M	548.63M	514.71M	388.57M
Stockholders Equity	28.45M	28.90M	29.93M	61.42M	72.02M	67.12M
Cash Flow
Free Cash Flow	0.00	-1.64M	-1.83M	12.78M	19.59M	-4.24M
Operating Cash Flow	0.00	-1.58M	-1.74M	12.86M	19.97M	-4.11M
Investing Cash Flow	0.00	111.35M	46.89M	-16.80M	-131.86M	-28.52M
Financing Cash Flow	0.00	-111.75M	-44.73M	23.19M	122.80M	41.54M

U & I Financial Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 3.95
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UNIF, the sentiment is Neutral. The current price of 3.95 is below the 20-day moving average (MA) of 4.18, below the 50-day MA of 4.16, and below the 200-day MA of 3.97, indicating a neutral trend. The MACD of -0.07 indicates Positive momentum. The RSI at 44.66 is Neutral, neither overbought nor oversold. The STOCH value of 33.27 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for UNIF.

U & I Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
KFFB	57 Neutral	$49.41M	25.90	3.86%	0.82%	8.66%	958.30%
GLBZ	52 Neutral	$12.99M	-83.40	-0.75%	8.71%	13.37%	-600.93%
SHFS	42 Neutral	$1.96M	-0.16	-52.68%	―	-28.59%	94.79%
UNIF	41 Neutral	$22.28M	-15.57	-4.94%	1.87%	-21.16%	95.69%