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U & I Financial
(OTC:UNIF)
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Rating:41Neutral
Price Target:
$4.00
▲(1.27% Upside)
Action:Reiterated
Date:09/10/26
The score is held down primarily by weak financial performance (declining revenue, sustained losses, negative operating/free cash flow, and higher leverage). Technical indicators add mild downside bias (price below key moving averages and negative MACD). Valuation is also challenged because the company is loss-making (negative P/E) and no dividend yield is available to offset risk.
Positive Factors
Contract-based income model
Lease 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.
Negative Factors
Declining revenue and losses
A 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Contract-based income model
Lease 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.
Read all positive factors
U & I Financial (UNIF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$22.51M
Dividend Yield1.87%
Average Volume (3M)360.00
Price to Earnings (P/E)―
Beta (1Y)0.67
Revenue Growth-21.16%
EPS Growth95.69%
CountryUS
Employees50
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-0.26
Shares Outstanding5,476,579
10 Day Avg. Volume840
30 Day Avg. Volume360
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
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...
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...
U & I Financial Financial Statement Overview
Summary
Income Statement
24
Negative
Balance Sheet
38
Negative
Cash Flow
22
Negative
| 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
Positive
3.95
Price Trends
4.16
Negative
4.16
Negative
3.97
Positive
Market Momentum
-0.06
Positive
49.56
Neutral
64.37
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UNIF, the sentiment is Positive. The current price of 3.95 is below the 20-day moving average (MA) of 4.14, below the 50-day MA of 4.16, and below the 200-day MA of 3.97, indicating a neutral trend. The MACD of -0.06 indicates Positive momentum. The RSI at 49.56 is Neutral, neither overbought nor oversold. The STOCH value of 64.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UNIF.
U & I Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $48.12M | 23.99 | 3.86% | 0.88% | 8.66% | 958.30% | |
52 Neutral | $12.91M | -82.28 | -0.75% | 8.71% | 13.37% | -600.93% | |
42 Neutral | $1.90M | -0.15 | -52.68% | ― | -28.59% | 94.79% | |
41 Neutral | $22.51M | -15.74 | -4.94% | 1.87% | -21.16% | 95.69% |
* Financial Sector Average
UNIF
U & I Financial
4.00
0.04
1.14%
CARV
Carver Bancorp
1.69
-0.71
-29.58%
GLBZ
Glen Burnie Bancorp
4.41
-0.03
-0.68%
KFFB
Kentucky First Federal Bancorp
5.66
2.29
67.85%
SHFS
SHF Holdings
0.15
-3.92
-96.22%
MBBC
Marathon Bancorp
15.00
4.75
46.34%
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.