UNIF (U&I Financial) Margin of Safety % (DCF Dividends Based): N/A (As of Jun. 30, 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 Margin of Safety % (DCF Dividends Based)?

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

U&I Financial's Predictability Rank is Not Rated. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Dividends Based) is not calculated.

UNIF vs CNAF, MCHT, SNNF: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, U&I Financial's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, U&I Financial's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where U&I Financial's Margin of Safety % (DCF Dividends Based) falls into.


UNIF
55GF Score
U&I Financial Corp UNIF
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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:

  • Margin of Safety % (DCF Dividends Based): N/A
  • 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

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.09
Price
$3.23
GF Value