OTCPK:UNIF

Stock Analysis Report

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Executive Summary

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


Snowflake Analysis

Flawless balance sheet and undervalued.


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

Stable Share Price: UNIF has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

1.3%

UNIF

5.3%

US Banks

1.2%

US Market


1 Year Return

-23.3%

UNIF

-17.7%

US Banks

16.8%

US Market

Return vs Industry: UNIF underperformed the US Banks industry which returned -19% over the past year.

Return vs Market: UNIF underperformed the US Market which returned 16.4% over the past year.


Shareholder returns

UNIFIndustryMarket
7 Day1.3%5.3%1.2%
30 Day1.5%6.6%4.9%
90 Day0.9%18.7%20.0%
1 Year-23.3%-23.3%-14.9%-17.7%19.3%16.8%
3 Yearn/a-9.6%-16.9%43.7%34.4%
5 Yearn/a15.0%1.0%75.5%56.6%

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 compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: UNIF ($6.9) is trading below our estimate of fair value ($14.59)

Significantly Below Fair Value: UNIF is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: UNIF is good value based on its PE Ratio (6.6x) compared to the US Banks industry average (9.9x).

PE vs Market: UNIF is good value based on its PE Ratio (6.6x) compared to the US market (18.9x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate UNIF's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: UNIF is good value based on its PB Ratio (0.7x) compared to the US Banks industry average (0.8x).


Next Steps

Future Growth

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

26.8%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as U & I Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Examine whether U & I Financial is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access U & I Financial's filings and announcementshere.
  • Explore growth companies in the Banks industry.

Past Performance

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

13.8%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: UNIF has high quality earnings.

Growing Profit Margin: UNIF's current net profit margins (35.2%) are higher than last year (34.4%).


Past Earnings Growth Analysis

Earnings Trend: UNIF's earnings have grown by 13.8% per year over the past 5 years.

Accelerating Growth: UNIF's earnings growth over the past year (14.9%) exceeds its 5-year average (13.8% per year).

Earnings vs Industry: UNIF earnings growth over the past year (14.9%) exceeded the Banks industry -3%.


Return on Equity

High ROE: UNIF's Return on Equity (10.6%) is considered low.


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


Financial Institutions Analysis

Asset Level: UNIF's Assets to Equity ratio (7x) is low.

Allowance for Bad Loans: UNIF has a sufficient allowance for bad loans (389%).

Low Risk Liabilities: 96% of UNIF's liabilities are made up of primarily low risk sources of funding.

Loan Level: UNIF has an appropriate level of Loans to Assets ratio (74%).

Low Risk Deposits: UNIF's Loans to Deposits ratio (90%) is appropriate.

Level of Bad Loans: UNIF has an appropriate level of bad loans (0.3%).


Next Steps

Dividend

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


Dividend Yield vs Market

Notable Dividend: Unable to evaluate UNIF's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate UNIF's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if UNIF's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if UNIF's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: UNIF is not paying a notable dividend for the US market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of UNIF's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?


CEO

Peter Park

no data

Tenure

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 ...


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

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$38.507m
  • Shares outstanding: 5.58m
  • 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 the United States. The company offers checking, savings, and money market acc ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/10 23:53
End of Day Share Price2020/08/06 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.