United-Guardian (UG) AI Stock Analysis

• Market Cap: $33.13M
• Dividend Yield: 9.81%
• Average Volume (3M): 6.29K
• Price to Earnings (P/E): 16.9
• Beta (1Y): 0.40
• Revenue Growth: -18.29%
• EPS Growth: -43.76%
• Country: US
• Employees: 24
• Sector: Consumer Defensive
• Sector Strength: 42
• Industry: Household & Personal Products
• EPS (TTM): 0.06
• Shares Outstanding: 4,594,319
• 10 Day Avg. Volume: 6,994
• 30 Day Avg. Volume: 6,291
• PEG Ratio: 0.50
• Price to Book (P/B): 3.70
• Price to Sales (P/S): 3.61
• P/FCF Ratio: 14.48
• Enterprise Value/Market Cap: 0.97
• Enterprise Value/Revenue: 3.21
• Enterprise Value/Gross Profit: 6.37
• Enterprise Value/Ebitda: 14.07
• 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: 74 Outperform
• Price Target: $7.50 ▲(20.58% Upside)

The score is driven primarily by strong financial quality—especially the exceptionally conservative, debt-free balance sheet and solid margins—partly offset by recent revenue and free-cash-flow softness. Valuation is supportive with a reasonable P/E and very high dividend yield, while technicals are mixed (better short-term momentum but weaker longer-term trend).

Positive Factors

Cash Flow Management

Strong cash flow management indicates the company's ability to sustain operations and invest in growth, ensuring long-term financial health.

Debt-Free Balance Sheet

A debt-free balance sheet provides financial flexibility and reduces risk, allowing the company to navigate economic fluctuations effectively.

Dividend Commitment

Consistent dividends highlight the company's stable cash flow and commitment to returning value to shareholders, enhancing investor confidence.

Negative Factors

Revenue Growth Volatility

Inconsistent revenue growth can hinder long-term planning and investment, potentially impacting the company's ability to capitalize on market opportunities.

Equity Instability

Fluctuating equity levels can indicate financial instability, affecting the company's ability to raise capital and invest in growth initiatives.

Declining EPS Growth

A decline in EPS growth suggests potential challenges in profitability, which could impact the company's ability to reinvest in its business and reward shareholders.

United-Guardian Business Overview & Revenue Model

Company Description

United-Guardian, Inc. manufactures and markets cosmetic ingredients, pharmaceuticals, medical lubricants, and proprietary specialty industrial products in the United States and internationally. The company offers cosmetic ingredients, including LUBRAJEL line of water-based moisturizing and lubricating gel formulations; LUBRAJEL NATURAL consisting of natural ingredients for cosmetic use; LUBRAJEL MARINE; LUBRASIL II SB, a special formulation of LUBRAJEL in which silicone oil is incorporated into a LUBRAJEL base; LUBRAJEL II XD; B-122, a powdered lubricant that is used in the manufacture of pressed powders, eyeliners, rouges, and industrial products; KLENSOFT, a surfactant, which is used in shampoos, shower gels, makeup removers, and other cosmetic formulations; and ORCHID COMPLEX, an oil-soluble base for skin creams, lotions, cleansers, and other cosmetics. Its medical lubricants comprise LUBRAJEL RR and RC, which are water-based lubricant gels for urinary catheters; LUBRAJEL MG to lubricate urinary catheters, pre-lubricated enema tips, and other medical devices; LUBRAJEL LC and LUBRAJEL FA that are LUBRAJEL formulations for oral care; and LUBRAJEL FLUID to lubricate water-soluble products. The company's pharmaceutical products consist of RENACIDIN, a prescription drug to prevent and dissolve calcifications in urethral catheters and the urinary bladder; and CLORPACTIN WCS-90, an antimicrobial product to treat infections in the urinary bladder, and localized infections in the peritoneum, as well as eye, ear, nose and throat, and sinuses. Its industrial products include DESELEX, a sequestering and chelating agent used for manufacturing detergents; and THOROCLENS, a chlorine-based industrial cleanser. The company also conducts research and development primarily related to the development of cosmetic ingredients. It markets its products through marketing partners, distributors, and wholesalers. The company was founded in 1942 and is based in Hauppauge, New York.

How the Company Makes Money

United-Guardian makes money through the manufacturing and sale of its proprietary products across various sectors. The company's revenue model is based on direct sales and distribution agreements with other companies, which include licensing agreements and partnerships that allow for broader market reach. Key revenue streams include the sale of personal care products like skincare and haircare formulations, pharmaceutical products including medical lubricants used in hospitals and clinics, and specialty industrial products utilized in manufacturing processes. Significant partnerships with major distribution companies also play a crucial role in ensuring the widespread availability of United-Guardian's products, thereby contributing to its earnings.

United-Guardian Financial Statement Overview

Summary

Strong overall quality supported by very high balance-sheet strength (zero debt) and healthy profitability (TTM gross margin ~53%, net margin ~24%). The main offsets are softer near-term momentum with ~7% TTM revenue decline and weaker cash conversion/free cash flow versus net income, including a ~12% TTM decline in free cash flow.

Income Statement

Profitability remains strong, with TTM (Trailing-Twelve-Months) gross margin ~53% and net margin ~24%—healthy for the industry and broadly consistent with prior years. However, growth has softened: revenue declined about 7% in TTM (Trailing-Twelve-Months) following a strong 2024, and margins are below the peak levels seen in 2020–2021, signaling some normalization or pricing/volume pressure.

Balance Sheet

The balance sheet is exceptionally conservative with zero debt across all reported periods, which materially reduces financial risk and provides flexibility. Equity remains sizable relative to assets, and returns on equity are solid (TTM ~22%, 2024 ~27%), though they are down from the unusually strong 2021 level, reflecting reduced earnings power versus prior peaks.

Cash Flow

Cash generation is positive with TTM (Trailing-Twelve-Months) operating cash flow of ~$1.9M and free cash flow of ~$1.6M. That said, cash conversion weakened in TTM (Trailing-Twelve-Months): operating cash flow is only modestly above net income (~1.15x) and free cash flow is lower than net income (~84%), alongside a ~12% TTM (Trailing-Twelve-Months) decline in free cash flow—suggesting less favorable working-capital timing or higher reinvestment needs versus recent years.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	10.06M	12.18M	10.89M	12.70M	13.93M	10.99M
Gross Profit	5.06M	6.46M	5.41M	6.70M	8.18M	6.11M
EBITDA	2.29M	3.74M	2.97M	4.17M	5.81M	3.80M
Net Income	1.96M	3.25M	2.58M	2.57M	4.66M	3.30M
Balance Sheet
Total Assets	12.18M	13.80M	12.92M	10.64M	12.24M	11.92M
Cash, Cash Equivalents and Short-Term Investments	8.30M	9.40M	9.09M	6.48M	8.17M	8.18M
Total Debt	0.00	0.00	0.00	0.00	0.00	0.00
Total Liabilities	1.60M	1.91M	1.53M	1.37M	2.42M	1.57M
Stockholders Equity	10.58M	11.88M	11.39M	9.27M	9.82M	10.35M
Cash Flow
Free Cash Flow	1.55M	3.03M	2.98M	2.45M	5.20M	3.55M
Operating Cash Flow	1.91M	3.47M	3.14M	2.53M	5.31M	3.59M
Investing Cash Flow	-719.98K	-7.08M	4.73M	897.56K	-183.47K	-468.68K
Financing Cash Flow	-2.77M	-2.76M	-459.39K	-3.12M	-5.19M	-3.58M

United-Guardian Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 6.22
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UG, the sentiment is Positive. The current price of 6.22 is below the 20-day moving average (MA) of 6.47, above the 50-day MA of 6.17, and below the 200-day MA of 7.46, indicating a neutral trend. The MACD of 0.20 indicates Negative momentum. The RSI at 75.22 is Negative, neither overbought nor oversold. The STOCH value of 88.69 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UG.

United-Guardian Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UG	74 Outperform	$33.13M	16.90	17.85%	9.81%	-18.29%	-43.76%
ACU	66 Neutral	$159.08M	17.18	9.02%	1.48%	2.35%	-50.52%
Sector *	62 Neutral	$20.33B	14.63	-3.31%	3.23%	1.93%	-12.26%
TKLF	55 Neutral	$13.42M	2.14	16.79%	―	7.75%	-21.61%
SKIN	51 Neutral	$191.25M	-6.79	-18.73%	―	-13.14%	57.98%
MTEX	46 Neutral	$14.16M	-8.65	-19.54%	―	-9.17%	-4.64%
GROV	43 Neutral	$60.84M	-2.31	-130.15%	―	-15.42%	7.12%

United-Guardian Corporate Events

United-Guardian Declares Quarterly Dividend, Highlights Growth Initiatives

On January 26, 2026, the board of United-Guardian, Inc. declared a cash dividend of $0.25 per share, marking the 31st consecutive year the company has paid a dividend, with payment scheduled for February 17, 2026 to shareholders of record as of February 9, 2026. The company’s leadership emphasized that the dividend is consistent with its prior payout and reflects a strategy that balances earnings, growth initiatives, and shareholder interests, while highlighting new distribution agreements, ongoing development of personal care products, and a refreshed marketing push for Renacidin as factors expected to support future improvements in sales and earnings.

The most recent analyst rating on (UG) stock is a Buy with a $7.00 price target. To see the full list of analyst forecasts on United-Guardian stock, see the UG Stock Forecast page.