UNIF (U&I Financial) ROCE %: % (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

UNIF U&I Financial Corp UNIF
57 GF Score
Price $4.40
GF Value $3.25
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is U&I Financial ROCE %?

U&I Financial UNIF +2.09% 57 ROCE % is % as of Jun. 2026. GuruFocus rates UNIF with a GF Score™ of 57/100 and a GF Value™ of $3.25 (Significantly Overvalued). The stock has 6 warning signs investors should review.

ROCE % does not apply to banks and insurance companies.

UNIF
57GF Score
U&I Financial Corp UNIF
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
U&I Financial (UNIF) has a ROCE % of % as of Jun. 2026.
Is U&I Financial's ROCE % too high?
U&I Financial's current ROCE % is %. Overall, U&I Financial has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does U&I Financial's ROCE % compare to CTYP and SNNF?
U&I Financial's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 2.81. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 2.81, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 2.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. U&I Financial's current ROCE % 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 Significantly Overvalued. The stock's GF Value™ is $3.25, compared to a current price of $4.40 — trading 35.4% above its estimated fair value. The current ROCE % is %. U&I Financial's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For U&I Financial (UNIF), the current ROCE % is % as of Jun. 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 $4.40 is trading 35.4% above its estimated GF Value™ of $3.25. GuruFocus considers U&I Financial to be Significantly Overvalued.

Key valuation signals for UNIF:

  • ROCE %: %
  • GF Value™: $3.25 vs. price of $4.40 (35.4% above fair value)
  • GF Score™: 57/100 with 6 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.
57GF Score

Get the complete analysis for UNIF

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

$4.40
Price
$3.25
GF Value