UFCP Stock Overview

Operates as a bank holding company for Union Bank that provides banking products and services in Michigan. More details

UFCP fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	4/6
Dividends	3/6

Rewards

Trading at 43.7% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($8M)

My Notes

Capture your thoughts, links and company narrative

Union Financial Corporation Competitors

First Niles Financial

OTCPK:FNFI

US$9.2m

Southern Banc Company

OTCPK:SRNN

US$10.4m

Versailles Financial

OTCPK:VERF

US$6.6m

Gouverneur Bancorp

OTCPK:GOVB

US$13.7m

Price History & Performance

Summary of share price highs, lows and changes for Union Financial
Historical stock prices
Current Share Price	US$2.50
52 Week High	US$2.50
52 Week Low	US$1.90
Beta	0.33
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-56.14%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	UFCP	US Banks	US Market
7D	0%	2.1%	0.2%
1Y	n/a	46.5%	22.0%

Return vs Industry: Insufficient data to determine how UFCP performed against the US Banks industry.

Return vs Market: Insufficient data to determine how UFCP performed against the US Market.

Price Volatility

Is UFCP's price volatile compared to industry and market?
UFCP volatility
UFCP Average Weekly Movement	n/a
Banks Industry Average Movement	3.9%
Market Average Movement	6.1%
10% most volatile stocks in US Market	18.6%
10% least volatile stocks in US Market	3.1%

Stable Share Price: UFCP's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine UFCP's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1934	n/a	Cort Collison	www.ubmich.com

Union Financial Corporation operates as a bank holding company for Union Bank that provides banking products and services in Michigan. It offers checking, savings, money market, and health savings accounts; certificate of deposits; merchant, digital, overdraft protection, treasury management, and relationship and cannabis banking services; and credit cards. The company also provides business planning services, include SEP IRAs, 401(k) Plans, and 403(b) Plans; life and long term care insurance products; personal investment services, which include investments, educational savings plans, traditional and Roth IRAs, fixed and variable annuities, and mutual funds; and construction, home equity, business, agricultural, auto, and personal loans, as well as mortgage services.

Union Financial Corporation Fundamentals Summary

How do Union Financial's earnings and revenue compare to its market cap?
UFCP fundamental statistics
Market cap	US$8.23m
Earnings (TTM)	US$1.02m
Revenue (TTM)	US$14.65m

8.1x

P/E Ratio

0.4x

P/B Ratio

Is UFCP overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UFCP income statement (TTM)
Revenue	US$14.65m
Cost of Revenue	US$0
Gross Profit	US$14.65m
Other Expenses	US$13.63m
Earnings	US$1.02m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	0.31
Gross Margin	100.00%
Net Profit Margin	6.94%
Debt/Equity Ratio	120.4%

How did UFCP perform over the long term?

See historical performance and comparison

Dividends

4.8%

Current Dividend Yield

39%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/11/10 12:00
End of Day Share Price	2024/08/14 00:00
Earnings	2023/12/31
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Union Financial Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.