UNIF (U&I Financial) ROC (Joel Greenblatt) %: % (As of Mar. 2026)


UNIF U&I Financial Corp UNIF
55 GF Score
Price $4.09
GF Value $3.22
Valuation Modestly Overvalued
! 3 Warning Signs
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What is U&I Financial ROC (Joel Greenblatt) %?

U&I Financial UNIF 55 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates UNIF with a GF Score™ of 55/100 and a GF Value™ of $3.22 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 46 Banks companies, U&I Financial ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

UNIF
55GF Score
U&I Financial Corp UNIF
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
U&I Financial (UNIF) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on U&I Financial and its competitors. According to the industry distribution chart, U&I Financial ranks #999999 out of 46 companies in the Banks industry.
Is U&I Financial's ROC (Joel Greenblatt) % too high?
U&I Financial's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, U&I Financial ranks #999999 out of 46 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 ROC (Joel Greenblatt) % compare to CNAF and MCHT?
According to the Banks industry distribution chart, U&I Financial ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places U&I Financial in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 69.14. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 69.14, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on U&I Financial and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 69.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. U&I Financial's current ROC (Joel Greenblatt) % is %. 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 $3.22, compared to a current price of $4.09 — trading 27% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For U&I Financial (UNIF), the current ROC (Joel Greenblatt) % is % 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 27% above its estimated GF Value™ of $3.22. GuruFocus considers U&I Financial to be Modestly Overvalued.

Key valuation signals for UNIF:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $3.22 vs. price of $4.09 (27% 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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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.09
Price
$3.22
GF Value