/UNIF

UNIF Stock - U & I Financial Corp.

Q: What is the analyst price target for UNIF?

Analyst price target information is not currently available for UNIF.

Q: What is UNIF's market cap?

Market capitalization information is not currently available for UNIF.

Financial Services|Banks - Regional|OTC

$3.89-0.77%

$0.03 (-0.77%) • Dec 19

GoAI Score

Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.

HOLD

Medium Confidence

Momentum

Momentum Score

Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.

Sentiment

Sentiment Score

Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).

Risk Score

Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.

100

Price Target

Average analyst price target from the last quarter. Shows expected upside/downside from current price.

+10.0%upside

Target: $4.28

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Financial Statements

Revenue & Profitability Trend

FY2020

FY2021

FY2022

FY2023

FY2024

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Revenue

Net Income (Profit)

Net Loss

Key Metrics

Market CapN/A

P/E RatioN/A

Beta-0.14

52W High$4.20

52W Low$3.00

Avg VolumeN/A

Income Statement (Fiscal Year)

Metric	FY2024	FY2023	FY2022	FY2021	FY2020
Revenue	$35.70M	$40.54M	$29.61M	$22.27M	$21.35M
Gross Profit	$-11,471,000	$-1,262,000	$26.62M	$22.27M	$17.56M
Gross Margin	-32.1%	-3.1%	89.9%	100.0%	82.2%
Operating Income	$-24,446,000	$-13,944,000	$13.83M	$11.92M	$7.52M
Net Income	$-31,068,000	$-10,808,000	$11.13M	$8.50M	$6.21M
Net Margin	-87.0%	-26.7%	37.6%	38.2%	29.1%
EPS	$-5.67	$-1.98	$2.03	$1.53	$1.12

Company 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. 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. In addition, the company offers credit cards, and online and mobile banking services. It operates branches in Tacoma, Bellevue, and Federal Way, Washington, as well as a loan production office in Atlanta, Georgia. The company was founded in 2006 and is based in Lynnwood, Washington.

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Earnings History & Surprises

UNIF

Beat Rate

Last 0 quarters

Avg Surprise

+0%

EPS vs Estimate

Beats / Misses

0/0

Last 12 quarters

Latest EPS

$0.44

Q2 2023

EPS Surprise History

Q2 23

No data

Beat Estimate

Missed Estimate

Quarterly EPS Details

Period	Report Date	Estimated EPS	Actual EPS	Surprise	Result
Q4 2023	Dec 31, 2023	—	—	—	—
Q2 2023	Jun 30, 2023	—	$0.44	—	—

Frequently Asked Questions about UNIF

What is UNIF's current stock price?

U & I Financial Corp. (UNIF) is currently trading at $3.89 per share. The stock has moved -0.77% today.

What is the analyst price target for UNIF?

No analyst price targets are currently available for this stock.

What sector is U & I Financial Corp. in?

U & I Financial Corp. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the OTC exchange.

What is UNIF's market cap?

U & I Financial Corp. has a market capitalization of $0.02 billion, making it a small-cap company.

Does UNIF pay dividends?

No, U & I Financial Corp. does not currently pay a dividend to shareholders.