U & I Financial (UNIF) AI Stock Analysis

• Market Cap: $18.80M
• Dividend Yield: N/A
• Average Volume (3M): 420.00
• Price to Earnings (P/E): ―
• Beta (1Y): 0.32
• Revenue Growth: -27.02%
• EPS Growth: -1341.64%
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): -0.11
• Shares Outstanding: 5,221,566
• 10 Day Avg. Volume: 123
• 30 Day Avg. Volume: 420
• PEG Ratio: 0.11
• 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
• 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: 41 Neutral
• Price Target: $3.00 ▼(-22.68% Downside)
• Action: Reiterated Date: 03/31/26
• Date: Action: Reiterated 03/31/26

The score is primarily constrained by deteriorated financial performance (sustained losses, declining revenue, negative operating/free cash flow, and higher leverage). Technicals add further pressure with a broad downtrend and weak momentum, while valuation remains unattractive/uncertain due to negative earnings and no stated dividend yield.

Positive Factors

Positive equity buffer

A 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.

Negative Factors

Revenue contraction

A ~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.

U & I Financial Business Overview & Revenue Model

Company Description

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 communi...

Read more

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 communi...

U & I Financial Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	32.97M	24.37M	35.70M	40.54M	29.61M	22.27M
Gross Profit	-16.52M	12.73M	-11.47M	-1.26M	26.62M	22.27M
EBITDA	-24.43M	-1.78M	-23.88M	-13.33M	14.42M	10.75M
Net Income	-34.41M	-2.16M	-31.07M	-10.81M	11.13M	8.50M
Balance Sheet
Total Assets	441.94M	409.11M	522.32M	610.05M	586.73M	455.68M
Cash, Cash Equivalents and Short-Term Investments	22.56M	59.70M	106.45M	110.27M	90.53M	86.12M
Total Debt	29.00M	40.43M	50.76M	21.09M	23.41M	11.72M
Total Liabilities	414.23M	380.21M	492.39M	548.63M	514.71M	388.57M
Stockholders Equity	27.71M	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

• Technical Analysis Sentiment: Neutral
• Last Price: 3.88
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UNIF, the sentiment is Neutral. The current price of 3.88 is above the 20-day moving average (MA) of 3.52, above the 50-day MA of 3.67, and above the 200-day MA of 3.74, indicating a neutral trend. The MACD of -0.07 indicates Negative momentum. The RSI at 53.02 is Neutral, neither overbought nor oversold. The STOCH value of 58.79 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for UNIF.

U & I Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
KFFB	54 Neutral	$35.95M	30.97	1.71%	―	15.56%	―
GLBZ	44 Neutral	$13.87M	-427.49	0.09%	―	5.76%	-72.73%
SHFS	43 Neutral	$2.41M	424.54	-229.75%	―	-42.15%	-1001.66%
UNIF	41 Neutral	$18.80M	-9.84	-7.61%	―	-27.02%	-1341.64%