UNIF (U&I Financial) Moat Score: 3/10 (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
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What is U&I Financial Moat Score?

U&I Financial UNIF +0.99% 55 Moat Score is 3 as of Jun. 30, 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 1,613 Banks companies, U&I Financial ranks better than 74.52% on this metric.

U&I Financial has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

U&I Financial has No Moat: U&I Financial Corp operates in a highly competitive banking sector with limited differentiation. It lacks significant market share, brand strength, and regulatory advantages, resulting in a very weak moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes U&I Financial might have No Moat - Very weak/transient advantages.

U&I Financial  (OTCPK:UNIF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

U&I Financial Moat Score Related Terms

UNIF vs CNAF, MCHT, SNNF: Moat Score Comparison

For the Banks - Regional subindustry, U&I Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

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

* The bar in red indicates where U&I Financial's Moat Score falls into.


UNIF
55GF Score
U&I Financial Corp UNIF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
U&I Financial (UNIF) has a Moat Score of 3 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, U&I Financial ranks #411 out of 1613 companies in the Banks industry, placing it in the top 25.5%.
Is U&I Financial's Moat Score too high?
U&I Financial's current Moat Score is 3. Based on the distribution chart, U&I Financial ranks #411 out of 1613 companies in the Banks industry, which is above the industry midpoint. 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 Moat Score compare to CNAF and MCHT?
According to the Banks industry distribution chart, U&I Financial ranks #411 out of 1613 companies for Moat Score. This puts U&I Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. U&I Financial's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For U&I Financial (UNIF), the current Moat Score is 3 as of Jun. 30, 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:

  • Moat Score: 3
  • 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

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

$4.09
Price
$3.23
GF Value