Urbana Corporation (URB) AI Stock Analysis

• Market Cap: C$391.76M
• Dividend Yield: 1.43%
• Average Volume (3M): 4.44K
• Price to Earnings (P/E): 4.1
• Beta (1Y): 0.31
• Revenue Growth: -73.34%
• EPS Growth: 40.59%
• Country: CA
• Employees: 2
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 0.96
• Shares Outstanding: 10,000,000
• 10 Day Avg. Volume: 2,259
• 30 Day Avg. Volume: 4,438
• PEG Ratio: 0.05
• Price to Book (P/B): 0.51
• Price to Sales (P/S): 2.00
• P/FCF Ratio: 3.63
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 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: 81 Outperform
• Price Target: C$11.00 ▲(6.59% Upside)

The score is driven primarily by strong financial strength (high profitability and very low leverage) and an attractive low P/E valuation. Technicals are supportive due to a clear uptrend, but overbought signals temper the near-term outlook, while positive investee-related events add incremental upside optionality.

Positive Factors

Financial Stability

Urbana's strong balance sheet with no debt and high equity ratio indicates financial stability, providing a solid foundation for long-term growth and resilience against economic fluctuations.

Strategic Investments

The increased stake in Tetra Trust Company enhances Urbana's position in the digital asset custody industry, aligning with growth trends in digital finance and potentially boosting future revenue streams.

Gold Exploration

Advancements in gold exploration in Quebec could diversify Urbana's investment portfolio and capitalize on the gold sector's potential, providing new growth avenues and revenue diversification.

Negative Factors

Operational Inefficiencies

Despite strong revenue, operational inefficiencies leading to a drop in EBIT margin could hinder profitability, requiring management focus on cost controls and operational improvements to sustain long-term growth.

Cash Flow Volatility

Historical cash flow volatility poses a risk to consistent liquidity management, potentially affecting Urbana's ability to fund operations and investments smoothly over time.

Revenue Decline

A significant decline in revenue growth suggests challenges in maintaining market share or investment performance, which could impact Urbana's ability to generate returns and sustain shareholder value.

Urbana Corporation Business Overview & Revenue Model

Company Description

Urbana Corporation is an investment fund launched and managed by Caldwell Investment Management Ltd. For its equity investment the fund primarily invests in public equity markets of United States and Canada. The fund primarily focuses on U.S. financial companies and Canadian resource companies for equity investments. The fund also focuses on private equity investments. It was formerly known as Macho River Gold Mines Limited. Urbana Corporation is domiciled in Canada.

How the Company Makes Money

Urbana Corporation generates revenue primarily through capital gains and dividends from its diverse portfolio of investments. The company invests in both publicly traded securities and private equity opportunities, focusing on financial institutions and exchanges. Urbana's earnings are significantly influenced by the performance of its investment portfolio, which is managed actively to maximize returns. Additionally, Urbana benefits from any appreciation in the value of its investments and may realize gains through the sale of assets. Partnerships with other financial institutions and strategic positioning in the financial services sector also contribute to its income, providing a stable revenue stream from dividends and interest.

Urbana Corporation Financial Statement Overview

Summary

Strong profitability and revenue growth (TTM +19.4%) with exceptionally high margins, supported by a very conservative balance sheet (debt-to-equity ~0.04). The main drag is uneven cash flow quality and consistency (FCF down and a prior year with negative operating/free cash flow), which adds variability to results.

Income Statement

TTM (Trailing-Twelve-Months) revenue grew strongly (+19.4%), and profitability is exceptionally high with very strong gross, EBIT, and net margins (net margin ~85%). Annual results have also been consistently profitable. The main drawback is revenue volatility across years (large swings in growth rates), which is typical for investment-driven businesses and can make earnings less predictable.

Balance Sheet

Leverage is very conservative: TTM (Trailing-Twelve-Months) debt is low relative to equity (debt-to-equity ~0.04), and the company has operated with minimal to no debt in some recent periods. Equity has also grown over time, supporting a larger asset base. Returns on equity are solid (~20% TTM), though they have fluctuated across years, indicating performance is somewhat cycle/market dependent.

Cash Flow

Cash generation is mixed. TTM (Trailing-Twelve-Months) operating cash flow is positive (~$28.3M) but down versus the prior annual period (free cash flow growth -8.9%). The company also had a year with negative operating/free cash flow (2023), highlighting potential variability in cash conversion even when reported profits are strong.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	112.47M	119.81M	81.91M	24.72M	70.42M	16.56M
Gross Profit	111.49M	116.81M	79.21M	23.44M	69.70M	16.00M
EBITDA	107.33M	114.26M	77.38M	21.48M	67.99M	14.34M
Net Income	95.60M	101.79M	69.52M	18.92M	59.99M	13.08M
Balance Sheet
Total Assets	586.67M	516.76M	450.65M	367.13M	348.10M	288.33M
Cash, Cash Equivalents and Short-Term Investments	372.64K	18.64M	341.42K	268.58K	387.09K	732.46K
Total Debt	18.30M	0.00	42.70M	32.00M	23.70M	22.80M
Total Liabilities	69.29M	45.37M	76.07M	57.52M	46.96M	39.17M
Stockholders Equity	517.38M	471.39M	374.57M	309.60M	301.14M	249.17M
Cash Flow
Free Cash Flow	28.27M	65.97M	-6.07M	2.04M	6.78M	16.40M
Operating Cash Flow	28.27M	65.97M	-6.07M	2.04M	6.78M	16.40M
Investing Cash Flow	-12.40M	0.00	0.00	0.00	0.00	0.00
Financing Cash Flow	-28.28M	-47.67M	6.15M	-2.15M	-7.12M	-16.54M

Urbana Corporation Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 10.32
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:URB, the sentiment is Neutral. The current price of 10.32 is above the 20-day moving average (MA) of 9.89, above the 50-day MA of 9.15, and above the 200-day MA of 7.40, indicating a neutral trend. The MACD of 0.11 indicates Positive momentum. The RSI at 49.19 is Neutral, neither overbought nor oversold. The STOCH value of 66.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for TSE:URB.

Urbana Corporation Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
URB	81 Outperform	C$391.76M	4.12	20.24%	1.43%	-73.34%	40.59%
AGF.B	79 Outperform	C$1.17B	9.36	9.85%	3.01%	11.23%	30.44%
GCG	69 Neutral	C$1.66B	8.78	13.82%	2.29%	58.88%	82.03%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
QRC	67 Neutral	C$678.91M	4.14	36.24%	2.20%	-1.35%	496.34%
FSZ	62 Neutral	C$633.34M	20.97	11.26%	8.78%	-0.88%	-52.30%
CVG	57 Neutral	C$998.84M	300.63	0.32%	0.14%	-44.78%	-95.84%

Urbana Corporation Corporate Events

Urbana Delivers Seventh Straight Dividend Increase With 7.7% Hike for 2026

Urbana Corporation’s board has declared a 2026 dividend of $0.14 per share on its common and non-voting Class A shares, marking the seventh consecutive annual increase and a 7.7% rise over the 2025 payout. The dividend, designated as an eligible dividend for Canadian income tax purposes, underscores Urbana’s ongoing commitment to returning capital to shareholders and may enhance its appeal to income-focused investors in the Canadian market.

The most recent analyst rating on ($TSE:URB.A) stock is a Buy with a C$10.50 price target. To see the full list of analyst forecasts on Urbana stock, see the TSE:URB.A Stock Forecast page.

Urbana Corporation Releases Q3 2025 Financial Statements

Urbana Corporation has announced the filing of its unaudited interim financial statements and management’s discussion and analysis for the nine-month period ending September 30, 2025. This filing is significant as it provides stakeholders with the latest financial insights and operational performance metrics of the company, potentially impacting its market positioning and investor relations.

Urbana Corporation Applauds CSE Parent’s Acquisition of NSXA

Urbana Corporation announced that CNSX Global Markets Inc., the parent company of the Canadian Securities Exchange (CSE) and one of Urbana’s investee companies, has completed its acquisition of NSX Limited, the parent company of the National Stock Exchange of Australia (NSXA). This strategic move aims to strengthen NSXA’s competitive position in Australia, replicating CSE’s success and providing a robust public market platform for early-stage companies. Urbana, as the largest shareholder in CSE, stands to benefit from this expansion, which is expected to enhance corporate listings and benefit Australia’s investment community.