U & I Financial Corp. (UNIF)
OTHER OTC:UNIF
UNIF Stock Chart & Stats
$3.88
$0.10(2.67%)
At close: 4:00 PM EST
$3.88
$0.10(2.67%)
Day’s Range― - ―
52-Week Range$2.91 - $4.15
Previous CloseN/A
Volume200.00
Average Volume (3M)420.00
Market Cap
$18.80M
Enterprise Value-$103.97K
Total Cash (Recent Filing)$22.56M
Total Debt (Recent Filing)$29.00M
Price to Earnings (P/E)―
Beta0.32
Next Earnings
Apr 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-0.11
Shares Outstanding5,221,566
10 Day Avg. Volume123
30 Day Avg. Volume420
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
Bulls Say, Bears Say
Bulls Say
Positive Equity BufferA positive equity base provides a durable capital cushion that supports ongoing operations and loss absorption. This structural buffer preserves regulatory and funding optionality, giving management time to execute restructuring or raise capital without immediate solvency pressure.
Historical Free Cash Flow GenerationStrong free cash flow in 2022–2023 demonstrates the business can generate meaningful internal cash under normal conditions. That historical cash-generation capability supports a credible path to recovery if revenue/margin trends stabilize, reducing long-term reliance on external financing.
Operational Improvement In 2025A notable improvement in 2025 versus the severe 2024 loss suggests operational or cost actions are having effect. Structural improvement in earnings quality, if sustained, can restore profitability and ROE over months, strengthening franchise viability and investor confidence.
Bears Say
Revenue ContractionA ~26% revenue decline signals lasting pressure on the franchise scale and top-line sustainability. Reduced revenue undermines operating leverage, compresses margins, and limits reinvestment capacity, making a durable recovery harder without new products, markets, or strategic change.
Negative Operating And Free Cash FlowConsecutive years of negative operating and free cash flow indicate structural cash burn rather than temporary timing issues. This raises ongoing liquidity and funding risk, forces external financing or asset sales, and constrains the company’s ability to invest in growth or shore up capital.
Elevated Leverage And Negative ROEMaterially higher leverage and a negative ROE reflect capital inefficiency and greater financial risk. Elevated debt-to-equity reduces balance-sheet flexibility, increases interest and refinancing exposure, and magnifies downside during prolonged earnings weakness.
UNIF FAQ
What was U & I Financial Corp.’s price range in the past 12 months?
U & I Financial Corp. lowest stock price was $2.91 and its highest was $4.15 in the past 12 months.
What is U & I Financial Corp.’s market cap?
U & I Financial Corp.’s market cap is $18.80M.
When is U & I Financial Corp.’s upcoming earnings report date?
U & I Financial Corp.’s upcoming earnings report date is Apr 29, 2026 which is in 23 days.
How were U & I Financial Corp.’s earnings last quarter?
U & I Financial Corp. released its earnings results on Jan 30, 2026. The company reported -$0.107 earnings per share for the quarter, missing the consensus estimate of N/A by -$0.107.
Is U & I Financial Corp. overvalued?
According to Wall Street analysts U & I Financial Corp.’s price is currently Overvalued.
Does U & I Financial Corp. pay dividends?
U & I Financial Corp. pays a Quarterly dividend of $0.1 which represents an annual dividend yield of N/A. See more information on U & I Financial Corp. dividends here
What is U & I Financial Corp.’s EPS estimate?
U & I Financial Corp.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does U & I Financial Corp. have?
U & I Financial Corp. has 5,221,566 shares outstanding.
What happened to U & I Financial Corp.’s price movement after its last earnings report?
U & I Financial Corp. reported an EPS of -$0.107 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of U & I Financial Corp.?
Currently, no hedge funds are holding shares in UNIF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
U & I Financial Corp.
U & I Financial Corp. operates as the holding company for UniBank that provides banking products and services for small to medium-sized businesses, professionals, and residents with a particular emphasis on Korean and other ethnic minority communities in the United States. The company offers checking, and savings and money market accounts; certificates of deposits/installment savings products. It also provides Commercial Loans, comprising commercial real estate term loans, construction loans, business term loans, equipment loans, business lines of credit, business express loans, and professional lines and loans; and small business administration guaranteed loans. In addition, the company offers credit cards, and online and mobile banking services. It operates branches in Tacoma, Bellevue, and Federal Way, Washington, as well as a loan production office in Atlanta, Georgia. The company was founded in 2006 and is based in Lynnwood, Washington.
Technical Analysis
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