U & I Financial Corp.

OTCPK:UNIF Stock Report

Market Cap: US$19.2m

U & I Financial Valuation

Is UNIF undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Book vs Peers

  • Price-To-Book vs Industry

  • Price-To-Book vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of UNIF when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate UNIF's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate UNIF's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for UNIF?

Key metric: As UNIF is an unprofitable bank we use its Price-To-Book Ratio for relative valuation analysis.

The above table shows the Price to Book ratio for UNIF. This is calculated by dividing UNIF's market cap by their current book value.
What is UNIF's PB Ratio?
PB Ration/a
BookUS$72.02m
Market CapUS$19.17m

Price to Book Ratio vs Peers

How does UNIF's PB Ratio compare to its peers?

The above table shows the PB ratio for UNIF vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PBEstimated GrowthMarket Cap
Peer Average0.7x
EFSG Enterprise Financial Services Group
0.6xn/aUS$18.8m
APLO Apollo Bancorp
0.8xn/aUS$19.0m
FLEW Fleetwood Bank
0.8xn/aUS$19.2m
GNRV Grand River Commerce
0.6xn/aUS$20.3m
UNIF U & I Financial
n/an/aUS$19.2m

Price-To-Book vs Peers: Insufficient data to calculate UNIF's Price-To-Book Ratio vs. peers for valuation analysis.

Price to Book Ratio vs Industry

How does UNIF's PB Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / BookEstimated GrowthMarket Cap
UNIF is unprofitableIndustry Avg. 1.0xNo. of Companies128PB00.61.21.82.43+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Book vs Industry: Insufficient data to calculate UNIF's Price-To-Book Ratio vs. industry for valuation analysis.

Price to Book Ratio vs Fair Ratio

What is UNIF's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

UNIF PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ration/a
Fair PB Ration/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate UNIF's Price-To-Book Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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