Unity Bank（UNITYBNK）株式概要ユニティ・バンク・ピーエルシーは、ナイジェリアの法人・個人顧客に銀行業務やその他の金融サービスを提供している。 詳細UNITYBNK ファンダメンタル分析スノーフレーク・スコア評価0/6将来の成長0/6過去の実績0/6財務の健全性4/6配当金0/6リスク分析マイナスの株主資本 収益が 100 万ドル未満 ( NGN-70B )過去1年間で収益は145.1%減少しました 最新の財務報告は6か月以上前のものである +1 さらなるリスクすべてのリスクチェックを見るUNITYBNK Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.Your Fair Value₦Current Price₦1.51該当なし内在価値ディスカウントEst. Revenue$PastFuture-115b31b2016201920222025202620282031Revenue ₦1.0Earnings ₦0.3AdvancedSet Fair ValueView all narrativesUnity Bank Plc 競合他社NPF Microfinance BankSymbol: NGSE:NPFMCRFBKMarket cap: ₦33.0bJaiz BankSymbol: NGSE:JAIZBANKMarket cap: ₦396.8bSterling Financial HoldingsSymbol: NGSE:STERLINGNGMarket cap: ₦534.3bFCMB GroupSymbol: NGSE:FCMBMarket cap: ₦791.5b価格と性能株価の高値、安値、推移の概要Unity Bank過去の株価現在の株価₦1.5152週高値₦052週安値₦0ベータ0.501ヶ月の変化0%3ヶ月変化0%1年変化0%3年間の変化91.14%5年間の変化164.91%IPOからの変化-93.05%最新ニュースBoard Change • May 20Less than half of directors are independentFollowing the recent departure of a director, there is only 1 independent director on the board. The company's board is composed of: 1 independent director. 6 non-independent directors. Independent Non-Executive Director Sam Okagbue was the last independent director to join the board, commencing their role in 2024. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.お知らせ • Feb 27Unity Bank Plc, Annual General Meeting, Mar 19, 2025Unity Bank Plc, Annual General Meeting, Mar 19, 2025, at 11:00 W. Central Africa Standard Time.New Risk • Nov 03New major risk - Financial data availabilityThe company's latest financial reports are more than a year old. Last reported fiscal period ended September 2023. This is considered a major risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. In the worst case scenario, it may be facing other major going concern issues jeopardizing its viability as a listed company. Currently, the following risks have been identified for the company: Major Risks Latest financial reports are more than 1 year old (reported September 2023 fiscal period end). Negative equity (-₦190b). Revenue has declined by 158% over the past year. Revenue is less than US$1m. Minor Risk Market cap is less than US$100m (₦17.7b market cap, or US$10.7m).お知らせ • Aug 07Unity Bank Plc (NGSE:UNITYBNK) agreed to acquire Providus Bank plc.Unity Bank Plc (NGSE:UNITYBNK) agreed to acquire Providus Bank plc on August 6, 2024. The Central Bank of Nigeria has approved the transaction. The deal is contingent upon the financial support from the Central Bank of Nigeria. The apex bank also announced approval of a pivotal financial accommodation to support the transaction.New Risk • Jun 06New major risk - Market cap sizeThe company's market capitalization is less than US$10m. Market cap: ₦14.6b (US$9.89m) This is considered a major risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risks Negative equity (-₦190b). Earnings have declined by 27% per year over the past 5 years. Revenue is less than US$1m. Market cap is less than US$10m (₦14.6b market cap, or US$9.89m). Minor Risks Latest financial reports are more than 6 months old (reported September 2023 fiscal period end). Share price has been volatile over the past 3 months (11% average weekly change).New Risk • May 21New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended September 2023. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (11% average weekly change). Negative equity (-₦190b). Earnings have declined by 27% per year over the past 5 years. Revenue is less than US$1m. Minor Risks Latest financial reports are more than 6 months old (reported September 2023 fiscal period end). Market cap is less than US$100m (₦19.3b market cap, or US$12.6m).最新情報をもっと見るRecent updatesBoard Change • May 20Less than half of directors are independentFollowing the recent departure of a director, there is only 1 independent director on the board. The company's board is composed of: 1 independent director. 6 non-independent directors. Independent Non-Executive Director Sam Okagbue was the last independent director to join the board, commencing their role in 2024. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.お知らせ • Feb 27Unity Bank Plc, Annual General Meeting, Mar 19, 2025Unity Bank Plc, Annual General Meeting, Mar 19, 2025, at 11:00 W. Central Africa Standard Time.New Risk • Nov 03New major risk - Financial data availabilityThe company's latest financial reports are more than a year old. Last reported fiscal period ended September 2023. This is considered a major risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. In the worst case scenario, it may be facing other major going concern issues jeopardizing its viability as a listed company. Currently, the following risks have been identified for the company: Major Risks Latest financial reports are more than 1 year old (reported September 2023 fiscal period end). Negative equity (-₦190b). Revenue has declined by 158% over the past year. Revenue is less than US$1m. Minor Risk Market cap is less than US$100m (₦17.7b market cap, or US$10.7m).お知らせ • Aug 07Unity Bank Plc (NGSE:UNITYBNK) agreed to acquire Providus Bank plc.Unity Bank Plc (NGSE:UNITYBNK) agreed to acquire Providus Bank plc on August 6, 2024. The Central Bank of Nigeria has approved the transaction. The deal is contingent upon the financial support from the Central Bank of Nigeria. The apex bank also announced approval of a pivotal financial accommodation to support the transaction.New Risk • Jun 06New major risk - Market cap sizeThe company's market capitalization is less than US$10m. Market cap: ₦14.6b (US$9.89m) This is considered a major risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risks Negative equity (-₦190b). Earnings have declined by 27% per year over the past 5 years. Revenue is less than US$1m. Market cap is less than US$10m (₦14.6b market cap, or US$9.89m). Minor Risks Latest financial reports are more than 6 months old (reported September 2023 fiscal period end). Share price has been volatile over the past 3 months (11% average weekly change).New Risk • May 21New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended September 2023. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (11% average weekly change). Negative equity (-₦190b). Earnings have declined by 27% per year over the past 5 years. Revenue is less than US$1m. Minor Risks Latest financial reports are more than 6 months old (reported September 2023 fiscal period end). Market cap is less than US$100m (₦19.3b market cap, or US$12.6m).New Risk • Nov 21New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Nigerian stocks, typically moving 9.9% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (9.9% average weekly change). Negative equity (-₦190b). Earnings have declined by 27% per year over the past 5 years. Revenue is less than US$1m. Minor Risk Market cap is less than US$100m (₦15.0b market cap, or US$18.2m).New Risk • Nov 05New major risk - Revenue and earnings growthEarnings have declined by 27% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Negative equity (-₦190b). Earnings have declined by 27% per year over the past 5 years. Revenue is less than US$1m. Minor Risks Share price has been volatile over the past 3 months (8.7% average weekly change). Market cap is less than US$100m (₦11.2b market cap, or US$13.9m).Valuation Update With 7 Day Price Move • Sep 12Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to ₦1.09, the stock trades at a trailing P/E ratio of 11.4x. Average trailing P/E is 5x in the Banks industry in Nigeria. Total returns to shareholders of 110% over the past three years.Valuation Update With 7 Day Price Move • Jul 21Investor sentiment improves as stock rises 19%After last week's 19% share price gain to ₦1.65, the stock trades at a trailing P/E ratio of 17.2x. Average trailing P/E is 4x in the Banks industry in Nigeria. Total returns to shareholders of 217% over the past three years.Valuation Update With 7 Day Price Move • Jul 03Investor sentiment improves as stock rises 30%After last week's 30% share price gain to ₦1.29, the stock trades at a trailing P/E ratio of 13.5x. Average trailing P/E is 5x in the Banks industry in Nigeria. Total returns to shareholders of 174% over the past three years.Valuation Update With 7 Day Price Move • Jun 16Investor sentiment improves as stock rises 42%After last week's 42% share price gain to ₦1.02, the stock trades at a trailing P/E ratio of 7.8x. Average trailing P/E is 4x in the Banks industry in Nigeria. Total returns to shareholders of 79% over the past three years.Reported Earnings • Jun 06First quarter 2023 earnings releasedFirst quarter 2023 results: Revenue: ₦8.56b (up 15% from 1Q 2022). Net income: ₦1.05b (up 21% from 1Q 2022). Profit margin: 12% (in line with 1Q 2022).Reported Earnings • Feb 02Full year 2022 earnings released: EPS: ₦0.12 (vs ₦0.27 in FY 2021)Full year 2022 results: EPS: ₦0.12 (down from ₦0.27 in FY 2021). Revenue: ₦28.5b (flat on FY 2021). Net income: ₦1.35b (down 57% from FY 2021). Profit margin: 4.7% (down from 11% in FY 2021). Over the last 3 years on average, earnings per share has fallen by 8% per year whereas the company’s share price has fallen by 4% per year.Board Change • Nov 16Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 7 experienced directors. 2 highly experienced directors. 1 independent director (8 non-independent directors). Independent Director Sam Okagbue was the last independent director to join the board, commencing their role in 2015. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.Reported Earnings • Aug 01Second quarter 2022 earnings releasedSecond quarter 2022 results: Revenue: ₦7.61b (up 4.7% from 2Q 2021). Net income: ₦828.9m (up 26% from 2Q 2021). Profit margin: 11% (up from 9.1% in 2Q 2021). The increase in margin was driven by higher revenue.Board Change • Apr 27Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 7 experienced directors. 2 highly experienced directors. 1 independent director (8 non-independent directors). Independent Director Sam Okagbue was the last independent director to join the board, commencing their role in 2015. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.Reported Earnings • Nov 01Third quarter 2021 earnings releasedThe company reported a solid third quarter result with improved earnings and revenues, although profit margins were weaker. Third quarter 2021 results: Revenue: ₦6.46b (up 9.7% from 3Q 2020). Net income: ₦554.8m (up 2.1% from 3Q 2020). Profit margin: 8.6% (down from 9.2% in 3Q 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 114% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.Reported Earnings • Aug 01Second quarter 2021 earnings releasedThe company reported a solid second quarter result with improved earnings and revenues, although profit margins were weaker. Second quarter 2021 results: Revenue: ₦7.27b (up 24% from 2Q 2020). Net income: ₦660.6m (up 22% from 2Q 2020). Profit margin: 9.1% (down from 9.2% in 2Q 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 115% per year but the company’s share price has fallen by 11% per year, which means it is significantly lagging earnings.Is New 90 Day High Low • Mar 10New 90-day high: ₦0.74The company is up 19% from its price of ₦0.62 on 10 December 2020. The Nigerien market is up 5.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is down 7.0% over the same period.Is New 90 Day High Low • Nov 09New 90-day high: ₦0.66The company is up 12% from its price of ₦0.59 on 11 August 2020. The Nigerien market is up 25% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 31% over the same period.お知らせ • Oct 27Adam Kuras Joins Unity Bank as Chief Lending OfficerUnity Bancorp Inc. announced that Adam Kuras Joins Unity Bank as Chief Lending Officer. Adam Kuras has joined Unity Bank as Chief Lending Officer bringing more than 27 years of banking and finance leadership experience to the community bank. Kuras previously was with Fulton Bank, serving as Manager of the Northern New Jersey commercial relationship team.株主還元UNITYBNKNG BanksNG 市場7D0%2.0%-1.9%1Y0%82.7%120.9%株主還元を見る業界別リターン: UNITYBNK過去 1 年間で82.7 % の収益を上げたNG Banks業界を下回りました。リターン対市場: UNITYBNKは、過去 1 年間で120.9 % のリターンを上げたNG市場を下回りました。価格変動Is UNITYBNK's price volatile compared to industry and market?UNITYBNK volatilityUNITYBNK Average Weekly Movement0%Banks Industry Average Movement7.4%Market Average Movement7.7%10% most volatile stocks in NG Market10.8%10% least volatile stocks in NG Market4.1%安定した株価: データは利用できません。時間の経過による変動: 過去 1 年間のUNITYBNKのボラティリティの変化を判断するには データが不十分です。会社概要設立従業員CEO（最高経営責任者ウェブサイト1987n/aEbenezer Kolawolewww.unitybankng.comユニティ・バンク・ピーエルシーはナイジェリアで法人・個人顧客に銀行業務およびその他の金融サービスを提供している。当座預金、貯蓄預金、定期預金口座の開設、融資、貸付、消費者金融、貿易金融、国際金融、資金管理、モバイル・バンキング、エレクトロニック・バンキング、マネー・マーケット・サービスを提供している。また、資産買収ファイナンス、給与前渡、給与担保ローン、手形決済、資金移動、国内送金、航空券購入、送金、外国為替、国庫短期証券・債券、カードも提供している。さらに、在庫金融、信用状、当座貸越を含むビジネス・バンキング・サービス、ユニティ農民協同組合リース・ファイナンス・スキーム、ユニティ産業投入農民スキーム、債券、バンカーズ・アクセプタンス、コマーシャル・ペーパー商品も提供している。ユニティ・バンク・ピーエルシーは1987年に設立され、ナイジェリアのラゴスに本社を置く。もっと見るUnity Bank Plc 基礎のまとめUnity Bank の収益と売上を時価総額と比較するとどうか。UNITYBNK 基礎統計学時価総額₦17.65b収益（TTM）-₦114.91b売上高(TTM)n/a0.0xPBR（株価純資産倍率-0.3xP/SレシオUNITYBNK は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計UNITYBNK 損益計算書（TTM）収益-₦70.07b売上原価₦0売上総利益-₦70.07bその他の費用₦44.85b収益-₦114.91b直近の収益報告Dec 31, 2024次回決算日該当なし一株当たり利益（EPS）-9.83グロス・マージン100.00%純利益率164.00%有利子負債／自己資本比率-74.2%UNITYBNK の長期的なパフォーマンスは？過去の実績と比較を見るView Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/06/09 18:19終値2026/06/09 00:00収益2024/12/31年間収益2024/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Unity Bank Plc 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。1 アナリスト機関Jaap MeijerArqaam Capital Research Offshore S.A.L.
Board Change • May 20Less than half of directors are independentFollowing the recent departure of a director, there is only 1 independent director on the board. The company's board is composed of: 1 independent director. 6 non-independent directors. Independent Non-Executive Director Sam Okagbue was the last independent director to join the board, commencing their role in 2024. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
お知らせ • Feb 27Unity Bank Plc, Annual General Meeting, Mar 19, 2025Unity Bank Plc, Annual General Meeting, Mar 19, 2025, at 11:00 W. Central Africa Standard Time.
New Risk • Nov 03New major risk - Financial data availabilityThe company's latest financial reports are more than a year old. Last reported fiscal period ended September 2023. This is considered a major risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. In the worst case scenario, it may be facing other major going concern issues jeopardizing its viability as a listed company. Currently, the following risks have been identified for the company: Major Risks Latest financial reports are more than 1 year old (reported September 2023 fiscal period end). Negative equity (-₦190b). Revenue has declined by 158% over the past year. Revenue is less than US$1m. Minor Risk Market cap is less than US$100m (₦17.7b market cap, or US$10.7m).
お知らせ • Aug 07Unity Bank Plc (NGSE:UNITYBNK) agreed to acquire Providus Bank plc.Unity Bank Plc (NGSE:UNITYBNK) agreed to acquire Providus Bank plc on August 6, 2024. The Central Bank of Nigeria has approved the transaction. The deal is contingent upon the financial support from the Central Bank of Nigeria. The apex bank also announced approval of a pivotal financial accommodation to support the transaction.
New Risk • Jun 06New major risk - Market cap sizeThe company's market capitalization is less than US$10m. Market cap: ₦14.6b (US$9.89m) This is considered a major risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risks Negative equity (-₦190b). Earnings have declined by 27% per year over the past 5 years. Revenue is less than US$1m. Market cap is less than US$10m (₦14.6b market cap, or US$9.89m). Minor Risks Latest financial reports are more than 6 months old (reported September 2023 fiscal period end). Share price has been volatile over the past 3 months (11% average weekly change).
New Risk • May 21New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended September 2023. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (11% average weekly change). Negative equity (-₦190b). Earnings have declined by 27% per year over the past 5 years. Revenue is less than US$1m. Minor Risks Latest financial reports are more than 6 months old (reported September 2023 fiscal period end). Market cap is less than US$100m (₦19.3b market cap, or US$12.6m).
Board Change • May 20Less than half of directors are independentFollowing the recent departure of a director, there is only 1 independent director on the board. The company's board is composed of: 1 independent director. 6 non-independent directors. Independent Non-Executive Director Sam Okagbue was the last independent director to join the board, commencing their role in 2024. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
お知らせ • Feb 27Unity Bank Plc, Annual General Meeting, Mar 19, 2025Unity Bank Plc, Annual General Meeting, Mar 19, 2025, at 11:00 W. Central Africa Standard Time.
New Risk • Nov 03New major risk - Financial data availabilityThe company's latest financial reports are more than a year old. Last reported fiscal period ended September 2023. This is considered a major risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. In the worst case scenario, it may be facing other major going concern issues jeopardizing its viability as a listed company. Currently, the following risks have been identified for the company: Major Risks Latest financial reports are more than 1 year old (reported September 2023 fiscal period end). Negative equity (-₦190b). Revenue has declined by 158% over the past year. Revenue is less than US$1m. Minor Risk Market cap is less than US$100m (₦17.7b market cap, or US$10.7m).
お知らせ • Aug 07Unity Bank Plc (NGSE:UNITYBNK) agreed to acquire Providus Bank plc.Unity Bank Plc (NGSE:UNITYBNK) agreed to acquire Providus Bank plc on August 6, 2024. The Central Bank of Nigeria has approved the transaction. The deal is contingent upon the financial support from the Central Bank of Nigeria. The apex bank also announced approval of a pivotal financial accommodation to support the transaction.
New Risk • Jun 06New major risk - Market cap sizeThe company's market capitalization is less than US$10m. Market cap: ₦14.6b (US$9.89m) This is considered a major risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risks Negative equity (-₦190b). Earnings have declined by 27% per year over the past 5 years. Revenue is less than US$1m. Market cap is less than US$10m (₦14.6b market cap, or US$9.89m). Minor Risks Latest financial reports are more than 6 months old (reported September 2023 fiscal period end). Share price has been volatile over the past 3 months (11% average weekly change).
New Risk • May 21New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended September 2023. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (11% average weekly change). Negative equity (-₦190b). Earnings have declined by 27% per year over the past 5 years. Revenue is less than US$1m. Minor Risks Latest financial reports are more than 6 months old (reported September 2023 fiscal period end). Market cap is less than US$100m (₦19.3b market cap, or US$12.6m).
New Risk • Nov 21New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Nigerian stocks, typically moving 9.9% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (9.9% average weekly change). Negative equity (-₦190b). Earnings have declined by 27% per year over the past 5 years. Revenue is less than US$1m. Minor Risk Market cap is less than US$100m (₦15.0b market cap, or US$18.2m).
New Risk • Nov 05New major risk - Revenue and earnings growthEarnings have declined by 27% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Negative equity (-₦190b). Earnings have declined by 27% per year over the past 5 years. Revenue is less than US$1m. Minor Risks Share price has been volatile over the past 3 months (8.7% average weekly change). Market cap is less than US$100m (₦11.2b market cap, or US$13.9m).
Valuation Update With 7 Day Price Move • Sep 12Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to ₦1.09, the stock trades at a trailing P/E ratio of 11.4x. Average trailing P/E is 5x in the Banks industry in Nigeria. Total returns to shareholders of 110% over the past three years.
Valuation Update With 7 Day Price Move • Jul 21Investor sentiment improves as stock rises 19%After last week's 19% share price gain to ₦1.65, the stock trades at a trailing P/E ratio of 17.2x. Average trailing P/E is 4x in the Banks industry in Nigeria. Total returns to shareholders of 217% over the past three years.
Valuation Update With 7 Day Price Move • Jul 03Investor sentiment improves as stock rises 30%After last week's 30% share price gain to ₦1.29, the stock trades at a trailing P/E ratio of 13.5x. Average trailing P/E is 5x in the Banks industry in Nigeria. Total returns to shareholders of 174% over the past three years.
Valuation Update With 7 Day Price Move • Jun 16Investor sentiment improves as stock rises 42%After last week's 42% share price gain to ₦1.02, the stock trades at a trailing P/E ratio of 7.8x. Average trailing P/E is 4x in the Banks industry in Nigeria. Total returns to shareholders of 79% over the past three years.
Reported Earnings • Jun 06First quarter 2023 earnings releasedFirst quarter 2023 results: Revenue: ₦8.56b (up 15% from 1Q 2022). Net income: ₦1.05b (up 21% from 1Q 2022). Profit margin: 12% (in line with 1Q 2022).
Reported Earnings • Feb 02Full year 2022 earnings released: EPS: ₦0.12 (vs ₦0.27 in FY 2021)Full year 2022 results: EPS: ₦0.12 (down from ₦0.27 in FY 2021). Revenue: ₦28.5b (flat on FY 2021). Net income: ₦1.35b (down 57% from FY 2021). Profit margin: 4.7% (down from 11% in FY 2021). Over the last 3 years on average, earnings per share has fallen by 8% per year whereas the company’s share price has fallen by 4% per year.
Board Change • Nov 16Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 7 experienced directors. 2 highly experienced directors. 1 independent director (8 non-independent directors). Independent Director Sam Okagbue was the last independent director to join the board, commencing their role in 2015. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.
Reported Earnings • Aug 01Second quarter 2022 earnings releasedSecond quarter 2022 results: Revenue: ₦7.61b (up 4.7% from 2Q 2021). Net income: ₦828.9m (up 26% from 2Q 2021). Profit margin: 11% (up from 9.1% in 2Q 2021). The increase in margin was driven by higher revenue.
Board Change • Apr 27Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 7 experienced directors. 2 highly experienced directors. 1 independent director (8 non-independent directors). Independent Director Sam Okagbue was the last independent director to join the board, commencing their role in 2015. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.
Reported Earnings • Nov 01Third quarter 2021 earnings releasedThe company reported a solid third quarter result with improved earnings and revenues, although profit margins were weaker. Third quarter 2021 results: Revenue: ₦6.46b (up 9.7% from 3Q 2020). Net income: ₦554.8m (up 2.1% from 3Q 2020). Profit margin: 8.6% (down from 9.2% in 3Q 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 114% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.
Reported Earnings • Aug 01Second quarter 2021 earnings releasedThe company reported a solid second quarter result with improved earnings and revenues, although profit margins were weaker. Second quarter 2021 results: Revenue: ₦7.27b (up 24% from 2Q 2020). Net income: ₦660.6m (up 22% from 2Q 2020). Profit margin: 9.1% (down from 9.2% in 2Q 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 115% per year but the company’s share price has fallen by 11% per year, which means it is significantly lagging earnings.
Is New 90 Day High Low • Mar 10New 90-day high: ₦0.74The company is up 19% from its price of ₦0.62 on 10 December 2020. The Nigerien market is up 5.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is down 7.0% over the same period.
Is New 90 Day High Low • Nov 09New 90-day high: ₦0.66The company is up 12% from its price of ₦0.59 on 11 August 2020. The Nigerien market is up 25% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 31% over the same period.
お知らせ • Oct 27Adam Kuras Joins Unity Bank as Chief Lending OfficerUnity Bancorp Inc. announced that Adam Kuras Joins Unity Bank as Chief Lending Officer. Adam Kuras has joined Unity Bank as Chief Lending Officer bringing more than 27 years of banking and finance leadership experience to the community bank. Kuras previously was with Fulton Bank, serving as Manager of the Northern New Jersey commercial relationship team.
