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COMPANY SUMMARY
U & I Financial Corp. operates as the holding company for UniBank that provides banking products and services for individuals and small to medium-sized businesses in the United States. The company provides checking and savings accounts, and certificates of deposits. It offers commercial loans comprising commercial real estate term loans, residential real estate loans, construction loans, land loans, business term loans, equipment loans, business lines of credit, business express loans, and professional lines and loans; USDA loans; and SBA loans. In addition, the company offers online banking and bill pay; cash management; mobile banking and check deposit; and merchant check deposit services. The company was founded in 2006 and is headquartered in Lynnwood, Washington.
Financial Summary
| Share Statistics | UNIF | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $23.3 | $716.9 | 11% |
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| Shares Out (Mil) | 5.5 | 15.7 | 15% |
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| Institutional Ownership | na | 83.0% | na |
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| Float (Mil) | na | 21.2 | na |
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| Beta | na | 0.48 | na |
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| Avg Daily Volume (000s) | 5 | 53 | 13% |
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| Price Change (52-week) |
(28.0%) | 96.7% | 26% |
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| Growth | UNIF | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | (6.3%) | 7.6% | 7% |
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| Net Income (5yr) | (18.7%) | 11.1% | 21% |
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| EPS (5yr) | (18.7%) | 10.1% | 14 |
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| Dividends (5yr) | 0.0% | 3.6% | 0% |
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| Cash Flow (5yr) | (30.0%) | (17.0%) | 19% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | UNIF | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $13 | $190 | 10% |
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| Net Income (TTM) (Mil) | ($2) | $51 | 36% |
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| EPS (TTM) | ($0.394) | $2.500 | 29% |
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| Operating Cash Flow (TTM) (Mil) | na | $34 | na |
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| Net Cash Flow (TTM) (Mil) | na | $1 | na |
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| Long-Term Debt (Q1) (Mil) | $20 | $100 | 33% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | UNIF | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.80 | 1.27 | 16% |
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| P/E | na | 12.9 | na |
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| Dividend Yield | 0.0% | 2.2% | 0% |
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| PEG (5yr hist) | na | 1.1 | na |
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| Ratios | UNIF | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | (9.2%) | 28.9% | 21% |
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| ROA | (0.5%) | 1.0% | 38% |
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| ROE | (4.9%) | 11.1% | 31% |
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| Liabilities to Assets | 92.9% | 89.8% | 90% |
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| F-Score | 1 | 4 | 1% |
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U & I Financial Corp. did not pass any screens on 7/31/2026.
