OTCPK:UIFC

Stock Analysis Report

Executive Summary

Uniti Financial Corporation operates as a holding company for the Uniti Bank that provides personal and business banking services to small and middle-market businesses, and individuals primarily in Los Angeles and Orange Counties, California.

Snowflake

Fundamentals

Flawless balance sheet with acceptable track record.

Risks

  • Uniti Financial is not covered by any analysts.

Similar Companies

Share Price & News

How has Uniti Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.3%

OTCPK:UIFC

-1.8%

US Banks

0.2%

US Market


1 Year Return

7.0%

OTCPK:UIFC

-15.3%

US Banks

-0.7%

US Market

UIFC outperformed the Banks industry which returned -9.5% over the past year.

UIFC outperformed the Market in United States of America which returned 1.8% over the past year.


Share holder returns

UIFCIndustryMarket
7 Day0.3%-1.8%0.2%
30 Day1.5%-6.4%-2.7%
90 Day2.6%-4.0%1.6%
1 Year7.0%7.0%-12.9%-15.3%1.6%-0.7%
3 Year86.8%86.8%41.3%31.7%40.0%30.9%
5 Year126.3%126.3%50.8%34.5%53.8%36.8%

Price Volatility Vs. Market

How volatile is Uniti Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Uniti Financial undervalued based on future cash flows and its price relative to the stock market?

15.86x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Uniti Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Uniti Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Uniti Financial is overvalued based on earnings compared to the US Banks industry average.

Uniti Financial is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Uniti Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

Uniti Financial is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Uniti Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

11.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Uniti Financial is high growth as no revenue estimate data is available.

Uniti Financial's earnings are expected to grow by 11.4% yearly, however this is not considered high growth (20% yearly).

Unable to compare Uniti Financial's revenue growth to the United States of America market average as no estimate data is available.

Uniti Financial's earnings growth is positive but not above the United States of America market average.

Uniti Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Uniti Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Uniti Financial performed over the past 5 years?

0.4%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Uniti Financial's year on year earnings growth rate has been positive over the past 5 years.

Uniti Financial's 1-year earnings growth exceeds its 5-year average (26.7% vs 0.4%)

Uniti Financial's earnings growth has not exceeded the US Banks industry average in the past year (26.7% vs 40.1%).


Return on Equity

Uniti Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Uniti Financial used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Uniti Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Uniti Financial's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Uniti Financial has an acceptable proportion of non-loan assets held.

Uniti Financial has a sufficient allowance for bad loans.

Uniti Financial's liabilities are made up of primarily low risk sources of funding.

Uniti Financial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Uniti Financial are broadly funded by customer deposits.

Uniti Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Uniti Financial's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Uniti Financial's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Uniti Financial's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Uniti Financial has not reported any payouts.

Unable to verify if Uniti Financial's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Uniti Financial has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Uniti Financial's salary, the management and board of directors tenure and is there insider trading?

3.3yrs

Average management tenure


CEO

Jack Choi (58yo)

6.3yrs

Tenure

0

Mr. Wun Hwa Choi has been the President, Chief Executive Officer and Director of Uniti Bank and its holding company Uniti Financial Corporation since 2013. Previously, he was Executive Vice President and C ...


Management Age and Tenure

3.3yrs

Average Tenure

The tenure for the Uniti Financial management team is about average.


Insider Trading

No 3 month insider trading information.


Ownership Breakdown


Management Team

  • Jack Choi (58yo)

    President & CEO

    • Tenure: 6.3yrs
  • Anna Lee

    Chief Marketing Officer & Executive VP

    • Tenure: 0.0yrs
  • Jaewon Kim

    Chief Digital Officer & Executive VP

    • Tenure: 3.3yrs
  • Young Song

    Chief Credit Officer & Executive VP

    • Tenure: 0.0yrs
  • Jessica Lee

    Executive VP

    • Tenure: 1.3yrs

Board Members

  • Jack Choi (58yo)

    President & CEO

    • Tenure: 6.3yrs
  • Steve Oh

    Chairman of the Board

    • Tenure: 4.3yrs
  • Michael Sangwoong

    Director and Director of Uniti Bank

    • Tenure: 0.0yrs
  • Steve Myong

    Director and Director of Uniti Bank

    • Tenure: 0.0yrs
  • Gene Han

    Director and Director of Uniti Bank

    • Tenure: 0.0yrs
  • Sisung Noh

    Director and Director of Unitit Bank

    • Tenure: 0.0yrs
  • Woon Hyun

    Director

    • Tenure: 0.0yrs

Company Information

Uniti Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Uniti Financial Corporation
  • Ticker: UIFC
  • Exchange: OTCPK
  • Founded: 2001
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$61.046m
  • Shares outstanding: 15.42m
  • Website: https://www.unitibank.com

Location

  • Uniti Financial Corporation
  • 6301 Beach Boulevard
  • Suite 100
  • Buena Park
  • California
  • 90621
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
UIFCOTCPK (Pink Sheets LLC)YesCommon StockUSUSDOct 2003

Biography

Uniti Financial Corporation operates as a holding company for the Uniti Bank that provides personal and business banking services to small and middle-market businesses, and individuals primarily in Los Ang ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/05/28 23:56
End of Day Share Price2019/05/24 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


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 here.