OTCPK:UNIF

Stock Analysis Report

Executive Summary

U & I Financial Corp. operates as the bank holding company for UniBank that provides community banking products and services in Washington, the United States.

Snowflake

Fundamentals

Flawless balance sheet and good value.

Risks

  • U & I Financial is not covered by any analysts.

Similar Companies

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

1.7%

OTCPK:UNIF

-2.5%

US Banks

-0.7%

US Market


1 Year Return

-6.2%

OTCPK:UNIF

-14.2%

US Banks

-0.5%

US Market

UNIF outperformed the Banks industry which returned -14.2% over the past year.

UNIF underperformed the Market in United States of America which returned -0.4% over the past year.


Share holder returns

UNIFIndustryMarket
7 Day1.7%-2.5%-0.7%
30 Day1.7%-6.1%-3.0%
90 Day-0.3%-3.8%0.9%
1 Year-6.2%-6.2%-11.8%-14.2%1.7%-0.5%
3 Yearn/a42.1%32.4%39.5%30.4%
5 Yearn/a53.3%36.7%54.1%37.0%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

21%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

U & I Financial's share price is below the future cash flow value, and at a moderate discount (> 20%).

U & I Financial's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

U & I Financial is good value based on earnings compared to the US Banks industry average.

U & I 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 U & I Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

U & I Financial is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

6.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if U & I Financial is high growth as no revenue estimate data is available.

U & I Financial's earnings are expected to grow by 6% yearly, however this is not considered high growth (20% yearly).

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

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

U & I 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 U & I Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has U & I Financial performed over the past 5 years?

10.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

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

U & I Financial's 1-year earnings growth exceeds its 5-year average (31.1% vs 10.1%)

U & I Financial's earnings growth has not exceeded the US Banks industry average in the past year (31.1% vs 33.3%).


Return on Equity

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


Return on Assets

U & I 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 U & I 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 U & I 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

U & I Financial has an acceptable proportion of non-loan assets held.

U & I Financial has a sufficient allowance for bad loans.

U & I Financial's liabilities are made up of primarily low risk sources of funding.

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

Loans at U & I Financial are broadly funded by customer deposits.

U & I Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is U & I Financial's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

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

Unable to evaluate U & I 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 U & I Financial has not reported any payouts.

Unable to verify if U & I 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 U & I 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 U & I Financial's salary, the management and board of directors tenure and is there insider trading?


CEO

Peter Park 0

0.0yrs

Tenure

0

Mr. Peter R. Park serves as President, Chief Executive Officer and Director at UniBank (“UB”). Mr. Park is President and Chief Executive Officer of the U & I Financial Corp. Mr. Park has over 27 years of b ...


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Peter Park

    President

    • Tenure: 0.0yrs
  • Stephanie Yoon

    Executive VP

    • Tenure: 0.0yrs
  • Simon Bai

    Senior VP & CFO

    • Tenure: 0.0yrs

Board Members

  • Dhana Linavat (71yo)

    Director

    • Tenure: 0.0yrs
  • Peter Park

    President

    • Tenure: 0.0yrs
  • Donghoon Lee (61yo)

    Chairman of the Board

    • Tenure: 0.0yrs
  • Merritt Long (71yo)

    Vice Chairman of the Board

    • Tenure: 0.0yrs
  • Bryant Park

    Director

    • Tenure: 0.0yrs
  • Cindy Runger

    Director

    • Tenure: 0.0yrs
  • Ronald Oh

    Director

    • Tenure: 0.0yrs

Company Information

U & I Financial Corp.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: U & I Financial Corp.
  • Ticker: UNIF
  • Exchange: OTCPK
  • Founded: 2006
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$50.994m
  • Shares outstanding: 5.57m
  • Website: https://www.unibankusa.com

Location

  • U & I Financial Corp.
  • 19315 Highway 99
  • Lynnwood
  • Washington
  • 98036
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
UNIFOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 2012

Biography

U & I Financial Corp. operates as the bank holding company for UniBank that provides community banking products and services in Washington, the United States. The company offers checking, savings, and mone ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/19 00:40
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
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.