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U & I Financial (UNIF) AI Stock Analysis
U & I Financial
(Other OTC:UNIF)
The overall score is driven primarily by deteriorating financial performance, including shrinking revenue, rising losses, negative cash flow, and higher leverage, which materially weaken the company’s profile. Technical indicators add moderate downside risk with price below key moving averages and mildly bearish momentum but no capitulation. Valuation offers limited appeal given the negative P/E and lack of dividend, keeping the stock in a cautious, low-rated range.
U & I Financial (UNIF) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $22.02M
- Dividend Yield
- ―
- Average Volume (3M)
- 919
- Price to Earnings (P/E)
- -11.0
- Beta (1Y)
- 0.77
- Revenue Growth
- -14.09%
- EPS Growth
- 89.08%
- Country
- US
- Employees
- 50
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 professionals,...
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 associate...
U & I Financial Financial Statement Overview
Summary
Financial performance is weak, with revenue shrinking, profitability turning into losses, margins swinging from high to negative, leverage rising, and operating cash flow moving from strongly positive to negative, indicating material pressure on earnings quality and balance sheet strength.
Income Statement
25NegativeBalance Sheet
40NegativeCash Flow
30Negative| 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 | -1.64M | -1.83M | 12.78M | 19.59M | -4.24M |
| Operating Cash Flow | 0 | -1.58M | -1.74M | 12.86M | 19.97M | -4.11M |
| Investing Cash Flow | 0 | 111.35M | 46.89M | -16.80M | -131.86M | -28.52M |
| Financing Cash Flow | 0 | -111.75M | -44.73M | 23.19M | 122.80M | 41.54M |
U & I Financial Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UNIF, the sentiment is Negative. The current price of 4.04 is below the 20-day moving average (MA) of 4.06, above the 50-day MA of 4.03, and above the 200-day MA of 3.99, indicating a neutral trend. The MACD of -0.00 indicates Positive momentum. The RSI at 45.51 is Neutral, neither overbought nor oversold. The STOCH value of 28.57 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for UNIF.
U & I Financial Peers Comparison
Overall Rating
KFFB62Neutral
GLBZ52Neutral- UNIF40Underperform
SHFS37Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| KFFB | 62Neutral | $43.18M | 18.24 | 3.86% | 0.90% | 8.69% | 958.30% |
| GLBZ | 52Neutral | $12.19M | -157.89 | -0.39% | ― | 17.13% | -395.56% |
| UNIF | 40Underperform | $22.15M | -11.04 | -4.94% | ― | -14.09% | 89.08% |
| SHFS | 37Underperform | $1.55M | -0.00 | -52.68% | ― | -28.59% | 94.79% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| UNIF | U & I Financial Corp | 4.04 | -0.05 | -1.22% | |
| CARV | Carver Bancorp | 1.74 | -1.40 | -44.55% | |
| GLBZ | Glen Burnie | 4.20 | -0.49 | -10.45% | |
| KFFB | Kentucky First Federal | 5.54 | 1.58 | 40.06% | |
| SHFS | Shf Holdings Inc. | 0.05 | -27.91 | -99.84% | |
| MBBC | Marathon Bancorp, Inc. | 14.44 | 3.54 | 32.43% |
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.
Date of analysis: Sep 10, 2026