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U & I Financial OTCPK:UNIF Stock Report

Last Price

US$6.44

Market Cap

US$35.3m

7D

-5.3%

1Y

-42.5%

Updated

18 Mar, 2024

Data

Company Financials

UNIF Stock Overview

U & I Financial Corp. operates as the holding company for UniBank that provides banking products and services for small to medium-sized businesses, professionals, and residents with a particular emphasis on Korean and other ethnic minority communities in the United States.

UNIF fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance3/6
Financial Health6/6
Dividends3/6

U & I Financial Corp. Competitors

Price History & Performance

Summary of all time highs, changes and price drops for U & I Financial
Historical stock prices
Current Share PriceUS$6.44
52 Week HighUS$11.44
52 Week LowUS$5.80
Beta0.40
1 Month Change-21.46%
3 Month Change-39.53%
1 Year Change-42.50%
3 Year Change-36.43%
5 Year Change-30.38%
Change since IPO-18.04%

Recent News & Updates

Recent updates

Shareholder Returns

UNIFUS BanksUS Market
7D-5.3%-0.8%-0.1%
1Y-42.5%30.9%28.4%

Return vs Industry: UNIF underperformed the US Banks industry which returned 30.9% over the past year.

Return vs Market: UNIF underperformed the US Market which returned 28.4% over the past year.

Price Volatility

Is UNIF's price volatile compared to industry and market?
UNIF volatility
UNIF Average Weekly Movement6.5%
Banks Industry Average Movement4.3%
Market Average Movement6.1%
10% most volatile stocks in US Market16.8%
10% least volatile stocks in US Market3.0%

Stable Share Price: UNIF's share price has been volatile over the past 3 months.

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

About the Company

FoundedEmployeesCEOWebsite
2006n/aStephanie Yoonhttps://www.unibankusa.com

U & I Financial Corp. operates as the holding company for UniBank that provides banking products and services for small to medium-sized businesses, professionals, and residents with a particular emphasis on Korean and other ethnic minority communities in the United States. The company offers checking, and savings and money market accounts; certificates of deposits/installment savings products. It also provides Commercial Loans, comprising commercial real estate term loans, construction loans, business term loans, equipment loans, business lines of credit, business express loans, and professional lines and loans; and small business administration guaranteed loans.

U & I Financial Corp. Fundamentals Summary

How do U & I Financial's earnings and revenue compare to its market cap?
UNIF fundamental statistics
Market capUS$35.26m
Earnings (TTM)US$11.13m
Revenue (TTM)US$26.62m

3.2x

P/E Ratio

0.5x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UNIF income statement (TTM)
RevenueUS$26.62m
Cost of RevenueUS$0
Gross ProfitUS$26.62m
Other ExpensesUS$15.49m
EarningsUS$11.13m

Last Reported Earnings

Dec 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)2.03
Gross Margin100.00%
Net Profit Margin41.81%
Debt/Equity Ratio30.5%

How did UNIF perform over the long term?

See historical performance and comparison

Dividends

12.4%

Current Dividend Yield

10%

Payout Ratio
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