U&I Financial Corp is a bank holding company based in United States. The company, through its subsidiary, offers services of a community bank. The bank's operations include commercial banking services, such as lending activities, deposit products, and other cash management services.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	7.37
Equity-to-Asset	0.13
Debt-to-Equity	0.1
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.24	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	16.6
	3-Year EPS without NRI Growth Rate	24.5
	3-Year FCF Growth Rate	61.7
	3-Year Book Growth Rate	13.5

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	7.67
	9-Day RSI	18.93
	14-Day RSI	26.45
	6-1 Month Momentum %	-37.98
	12-1 Month Momentum %	-41.26

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	3.12
	Dividend Payout Ratio	0.1
	Forward Dividend Yield %	3.12
	5-Year Yield-on-Cost %	3.12
	3-Year Average Share Buyback Ratio	0.8
	Shareholder Yield %	8.39

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	38.38
	FCF Margin %	69.65
	ROE %	14.56
	ROA %	1.83
	Years of Profitability over Past 10-Year	7

GF Value Rank

4/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	3.24
	PE Ratio without NRI	3.24
	Price-to-Owner-Earnings	3.21
	PEG Ratio	0.23
	PS Ratio	1.25
	PB Ratio	0.45
	Price-to-Tangible-Book	0.45
	Price-to-Free-Cash-Flow	1.86
	Price-to-Operating-Cash-Flow	1.83
	EV-to-Revenue	-0.56
	EV-to-FCF	-0.67
	Price-to-Peter-Lynch-Fair-Value	0.24
	Price-to-Graham-Number	0.25
	FCF Yield %	55.8
	Forward Rate of Return (Yacktman) %	28.88

Financials (Next Earnings Date:2024-04-26 Est.)

Annual Quarterly TTM

UNIF's 30-Y Financials

AAPL

Income Statement Breakdown

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

See Details

Gurus Latest Trades with OTCPK:UNIF

No Available Data

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

U&I Financial Corp Executives

Details

GF Value: $14.95

UNIF

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 1 Severe warning sign with UNIF. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil $)	28.135
	EPS (TTM) ($)	1.985
	Beta	-0.22
	Volatility %	22.9
	14-Day RSI	26.45
	14-Day ATR ($)	0.100303
	20-Day SMA ($)	6.8925
	12-1 Month Momentum %	-41.26
	52-Week Range ($)	5.8 - 11.44
	Shares Outstanding (Mil)	5.47

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	7
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

U&I Financial Corp Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

U&I Financial Corp Stock Events

Financials Calendars

	Event	Date	Price($)
No Event Data

U&I Financial Corp Frequently Asked Questions

What is U&I Financial Corp(UNIF)'s stock price today?

The current price of UNIF is $6.43. The 52 week high of UNIF is $11.44 and 52 week low is $5.80.

When is next earnings date of U&I Financial Corp(UNIF)?

The next earnings date of U&I Financial Corp(UNIF) is 2024-04-26 Est..

Does U&I Financial Corp(UNIF) pay dividends? If so, how much?

The Dividend Yield % of U&I Financial Corp(UNIF) is 3.12% (As of Today), Highest Dividend Payout Ratio of U&I Financial Corp(UNIF) was 0.12. The lowest was 0.1. And the median was 0.11. The Forward Dividend Yield % of U&I Financial Corp(UNIF) is 3.12%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

Headlines

No news.

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