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U & I Financial(OTC) UNIF

Market Cap$22.28MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2016)-45%
5 Year-57%
1 Year+7%
1 Month-6%
$4.07
+1.69%
+0.07Today
U & I Financial last closing stock price
MetricPriceDate
Last closeUSD 4.072026-09-04
U & I Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+5.65%USD 3.852026-08-28
1 month-5.63%USD 4.312026-08-05
3 month+14.58%USD 3.552026-06-05
Year to date+4.83%USD 3.882025-12-31
1 year+7.04%USD 3.802025-08-29
3 year-61.99%USD 10.702023-08-24
5 year-57.21%USD 9.512021-09-03
Since inception-44.63%USD 7.352016-01-13

U & I Financial Financials at a Glance

Market Cap

$22.28MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$22.95M

Net Income (TTM)

-$1.41M

EPS (TTM)

-$0.26

P/E Ratio

-15.75

Dividend

$0.00

Beta (Volatility)

0.13 (Low)

Price

$4.07

Volume

300

Open

$3.85

Previous Close

$4.07

Daily Range

$3.85 - $4.07

52-Week Range

$3.24 - $4.60

Estimated Earnings Date

N/A

UNIF News

No articles available.

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About U & I Financial

U & I Financial Corp. operates as the parent company of UniBank, providing a wide range of banking solutions primarily for small to medium-sized businesses and individual customers. The bank emphasizes support for Korean and other ethnic minority communities across the United States.

Products and Services
  • Checking, savings, and money market accounts
  • Diverse commercial financing options, including SBA loans
  • Online and mobile banking platforms for convenience
Growth Outlook
  • Revenue increased to $5.38 million in Q2 2026
  • Gross profit margin improved to 64.96% in Q2 2026
  • Focus on expanding services to underserved communities
Financial Highlights
  • Net income of -$404,000 in Q2 2026, reflecting ongoing challenges
  • Cash and cash equivalents totaled $51.68 million as of June 30, 2026
  • Market capitalization stands at approximately $21.08 million
U & I Financial Corp. has established itself as a key player in the regional banking sector, focusing on niche markets that are often overlooked by larger institutions. The bank's commitment to serving ethnic minority communities positions it uniquely in the financial landscape. Recent financial performance indicates a revenue growth trajectory, although challenges remain evident in net income figures. The bank's strong cash position provides a buffer for future investments and operational stability. With a focus on expanding its product offerings and enhancing customer service, U & I Financial Corp. aims to capitalize on growth opportunities in the coming years.
AI Generated • Aug 31, 2026

Industry

Banks

Sector

Financials

CEO

Stephanie Yoon, MBA

Website

www.unibankusa.com

Headquarters

Lynnwood, WA 98036, US

UNIF Financials

Key Financial Metrics (TTM)

Gross Margin

66.69%

Operating Margin

-3.68%

Net Income Margin

-6.16%

Return on Equity

-4.94%

Return on Capital

-2.57%

Return on Assets

-0.36%

Earnings Yield

-6.35%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$22.28MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

5.48M

Volume

300

Avg. Volume

705.698

Financials (TTM)

Gross Profit

$15.31M

Operating Income

-$845.00K

EBITDA

-$845.00K

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$51.68M

Total Debt

$40.00M

U & I Financial Performance Analysis

U & I Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 43,168,00087.5%
20232023-12-31USD 54,331,00025.9%
20242024-12-31USD 49,999,000-8.0%
20252025-12-31USD 24,366,000-51.3%
U & I Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-2.6%
Q42025-12-31-2.3%
Q12026-03-317.4%
Q22026-06-30-11.7%
U & I Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.9732.1%
20232023-12-31USD -1.98N/A
20242024-12-31USD -5.67186.0%
20252025-12-31USD -0.39-93.0%
U & I Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-133.6%
Q42025-12-31-133.5%
Q12026-03-3172.5%
Q22026-06-30-143.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$5.38M

-9.8%

Gross Profit

$3.50M

-29.4%

Gross Margin

64.96%

N/A

Market Cap

$22.28MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$445.52K

N/A

Employees

50

N/A

Net Income

-$404.00K

-153.4%

EBITDA

-$404.00K

-124.3%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$51.68M

+31.8%

Total Debt

$40.00M

+100.0%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$40.00M

+100.0%

Short Term Debt

$0.00

N/A

Return on Assets

-0.36%

N/A

Return on Invested Capital

-0.21%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About UNIF

What is the current price of U & I Financial?

U & I Financial is trading at $4.07 per share.

What is the 52-week range for U & I Financial?

Over the past 52 weeks, U & I Financial has traded between $3.24 and $4.60.

How much debt does U & I Financial have?

As of the most recent reporting period, U & I Financial reported total debt of $40.00M.

How much cash does U & I Financial have on hand?

U & I Financial does not have cash on hand data available.

What is U & I Financial’s dividend yield?

U & I Financial does not currently have a dividend yield.

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