UNIF (U&I Financial) FCF Margin %: 0.00% (As of Mar. 2026)


UNIF U&I Financial Corp UNIF
55 GF Score
Price $4.09
GF Value $3.23
Valuation Modestly Overvalued
! 3 Warning Signs
View Full Analysis

What is U&I Financial FCF Margin %?

U&I Financial UNIF +0.99% 55 FCF Margin % is 0.00% as of Mar. 2026. GuruFocus rates UNIF with a GF Score™ of 55/100 and a GF Value™ of $3.23 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,508 Banks companies, U&I Financial ranks worse than 78.78% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. U&I Financial's Free Cash Flow for the three months ended in Mar. 2026 was $0.00 Mil. U&I Financial's Revenue for the three months ended in Mar. 2026 was $3.19 Mil. Therefore, U&I Financial's FCF Margin % for the quarter that ended in Mar. 2026 was 0.00%.

As of today, U&I Financial's current FCF Yield % is -7.32%.

The historical rank and industry rank for U&I Financial's FCF Margin % or its related term are showing as below:

UNIF' s FCF Margin % Range Over the Past 10 Years
Min: -19.06   Med: 25.93   Max: 106.25
Current: -14.5

During the past 10 years, the highest FCF Margin % of U&I Financial was 106.25%. The lowest was -19.06%. And the median was 25.93%.

UNIF's FCF Margin % is ranked worse than
78.78% of 1508 companies
in the Banks industry
Industry Median: 26.355 vs UNIF: -14.50

U&I Financial FCF Margin % Related Terms

U&I Financial FCF Margin % Historical Data

* Premium members only.

The historical data trend for U&I Financial's FCF Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

U&I Financial FCF Margin % Chart

U&I Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -19.06 73.61 106.25 -9.82 -14.72

U&I Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

UNIF vs CNAF, MCHT, SNNF: FCF Margin % Comparison

For the Banks - Regional subindustry, U&I Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

U&I Financial FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, U&I Financial's FCF Margin % distribution charts can be found below:

* The bar in red indicates where U&I Financial's FCF Margin % falls into.


UNIF
55GF Score
U&I Financial Corp UNIF
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

U&I Financial FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

U&I Financial's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-1.64/11.14
=-14.72 %

U&I Financial's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=0/3.185
=0.00 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of 0.00% mean?
U&I Financial (UNIF) has a FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on U&I Financial and its competitors. According to the industry distribution chart, U&I Financial ranks #1188 out of 1508 companies in the Banks industry, placing it in the top 78.8%.
Is U&I Financial's FCF Margin % too high?
U&I Financial's current FCF Margin % is 0.00%. Based on the distribution chart, U&I Financial ranks #1188 out of 1508 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, U&I Financial has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does U&I Financial's FCF Margin % compare to CNAF and MCHT?
According to the Banks industry distribution chart, U&I Financial ranks #1188 out of 1508 companies for FCF Margin %. This places U&I Financial in the lower half of its industry. The industry median FCF Margin % is 26.36. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.36, based on 1,508 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on U&I Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. U&I Financial's current FCF Margin % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is U&I Financial stock overvalued right now?
Based on GuruFocus' analysis, U&I Financial (UNIF) is currently considered Modestly Overvalued. The stock's GF Value™ is $3.23, compared to a current price of $4.09 — trading 26.6% above its estimated fair value. The current FCF Margin % is 0.00%. U&I Financial's overall GF Score™ is 55/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For U&I Financial (UNIF), the current FCF Margin % is 0.00% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is U&I Financial (UNIF) Overvalued in 2026?

Based on GuruFocus' analysis, U&I Financial stock appears to be overvalued. The current stock price of $4.09 is trading 26.6% above its estimated GF Value™ of $3.23. GuruFocus considers U&I Financial to be Modestly Overvalued.

Key valuation signals for UNIF:

  • FCF Margin %: 0.00%
  • GF Value™: $3.23 vs. price of $4.09 (26.6% above fair value)
  • GF Score™: 55/100 with 3 warning signs

No single metric tells the full story. See the UNIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

U&I Financial Business Description

Address 19315 Highway 99, Lynnwood, WA, USA, 98036
U&I Financial Corp is a bank holding company based in the United States. The company, through its subsidiary, offers services of a community bank. The company offers commercial loans, including real estate and business term, construction, equipment and business lines of credit. The company also provides checking, savings, and money market accounts. and certificates of deposits/installment savings products.
55GF Score

Get the complete analysis for UNIF

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.09
Price
$3.23
GF Value