U & I Financial (UNIF) AI Stock Analysis

• Market Cap: $19.69M
• Dividend Yield: N/A
• Average Volume (3M): 420.00
• Price to Earnings (P/E): ―
• Beta (1Y): 0.19
• 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: >-0.01
• Price to Book (P/B): 0.61
• Price to Sales (P/S): 0.51
• P/FCF Ratio: -9.92
• Enterprise Value/Market Cap: 0.07
• Enterprise Value/Revenue: 0.04
• Enterprise Value/Gross Profit: -0.09
• Enterprise Value/Ebitda: -0.06
• 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: 54 Neutral
• Price Target: $4.00 ▲(3.09% Upside)

U & I Financial's overall stock score is primarily impacted by its financial performance challenges, including profitability and cash flow issues. The technical analysis provides some positive momentum, but the lack of valuation data adds uncertainty. Immediate strategic adjustments are necessary to improve financial health and ensure long-term sustainability.

Positive Factors

Revenue Growth

Strong revenue growth indicates robust demand for UNIF's financial products and services, suggesting potential for market expansion and increased market share.

Diversified Revenue Streams

Diversified revenue streams reduce dependency on a single income source, enhancing financial stability and resilience against market fluctuations.

Technological Leverage

Utilizing technology to streamline operations can lead to sustainable cost reductions, improving long-term profitability and competitive positioning.

Negative Factors

Rising Debt Levels

Increased leverage heightens financial risk, potentially straining cash flow and limiting future investment capabilities, impacting long-term financial health.

Negative Profit Margins

Negative profit margins indicate cost management issues, which could undermine profitability and hinder the company's ability to reinvest in growth initiatives.

Cash Flow Challenges

Negative operating cash flow suggests difficulties in generating sufficient cash from operations, which could impact liquidity and operational flexibility.

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 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.

How the Company Makes Money

U & I Financial generates revenue through multiple key streams. Primarily, the company earns income from interest on personal loans and financing products it offers to customers. Additionally, UNIF charges fees for its investment advisory services, including management fees based on assets under management (AUM) and performance fees for exceeding investment benchmarks. The company may also collaborate with financial institutions and investment partners to create joint products, sharing in the revenue generated from these partnerships. Furthermore, UNIF leverages technology to reduce operational costs, enhancing profit margins from its service offerings.

U & I Financial Financial Statement Overview

Summary

U & I Financial is facing significant financial challenges. Despite strong revenue growth, the company is struggling with profitability and cash flow management. The increasing debt levels and negative return on equity further highlight potential financial instability.

Income Statement

U & I Financial's income statement shows significant volatility. The company experienced a dramatic revenue growth of 91.33% in 2024, but this was accompanied by negative margins across the board, including a net profit margin of -62.14%. This indicates that despite revenue growth, the company is struggling with profitability, likely due to high operating expenses or other cost factors.

Balance Sheet

The balance sheet reflects a concerning increase in leverage, with the debt-to-equity ratio rising to 1.70 in 2024 from 0.34 in 2023. This suggests a higher reliance on debt financing, which could pose risks if not managed properly. The return on equity is negative, indicating that the company is not generating sufficient returns on shareholders' equity.

Cash Flow

Cash flow analysis reveals a negative trend, with operating cash flow turning negative in 2024. The free cash flow to net income ratio is slightly above 1, suggesting that the company is generating some cash relative to its net income, but the overall cash flow position is weak, with a significant decline in free cash flow growth.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	32.97M	35.70M	40.54M	29.61M	22.27M	21.35M
Gross Profit	-16.52M	-11.47M	-1.26M	26.62M	22.27M	17.56M
EBITDA	-24.43M	-23.88M	-13.33M	14.42M	10.75M	7.77M
Net Income	-34.41M	-31.07M	-10.81M	11.13M	8.50M	6.21M
Balance Sheet
Total Assets	441.94M	522.32M	610.05M	586.73M	455.68M	403.90M
Cash, Cash Equivalents and Short-Term Investments	22.56M	106.45M	110.27M	90.53M	86.12M	82.89M
Total Debt	29.00M	50.76M	21.09M	23.41M	11.72M	5.30M
Total Liabilities	414.23M	492.39M	548.63M	514.71M	388.57M	344.81M
Stockholders Equity	27.71M	29.93M	61.42M	72.02M	67.12M	59.09M
Cash Flow
Free Cash Flow	0.00	-1.83M	12.78M	19.59M	-4.24M	2.47M
Operating Cash Flow	0.00	-1.74M	12.86M	19.97M	-4.11M	2.67M
Investing Cash Flow	0.00	46.89M	-16.80M	-131.86M	-28.52M	-49.43M
Financing Cash Flow	0.00	-44.73M	23.19M	122.80M	41.54M	47.93M

U & I Financial Technical Analysis

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

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 3.88 is above the 20-day moving average (MA) of 3.87, below the 50-day MA of 3.93, and above the 200-day MA of 3.63, indicating a neutral trend. The MACD of -0.03 indicates Positive momentum. The RSI at 23.42 is Positive, neither overbought nor oversold. The STOCH value of 16.67 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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%
UNIF	54 Neutral	$19.69M	-1.14	-73.45%	―	-27.02%	-1341.64%
KFFB	52 Neutral	$36.47M	67.62	1.11%	―	15.56%	―
GLBZ	44 Neutral	$12.93M	491.89	0.09%	―	5.76%	-72.73%
SHFS	43 Neutral	$3.48M	-0.06	-229.75%	―	-42.15%	-1001.66%