U & I Financial(OTC) UNIF

Market CapN/A

Since IPO (2016)-40%

5 Year-52%

1 Year+22%

1 Month+10%

N/A

U & I Financial last closing stock price
Metric	Price	Date
Last close	USD 4.40	2026-08-07

U & I Financial stock price return by period
Period	Price return	Price at period start	Period start date
1 week	+3.53%	USD 4.25	2026-07-28
1 month	+10%	USD 4.00	2026-07-08
3 month	-3.51%	USD 4.56	2026-05-01
Year to date	+13.4%	USD 3.88	2025-12-31
1 year	+22.22%	USD 3.60	2025-08-06
3 year	-60.35%	USD 11.10	2023-08-01
5 year	-51.76%	USD 9.12	2021-08-05
Since inception	-40.11%	USD 7.35	2016-01-13

U & I Financial Financials at a Glance

Market Cap

N/A

Revenue (TTM)

$22.95M

Net Income (TTM)

-$1.41M

EPS (TTM)

N/A

P/E Ratio

N/A

Dividend

N/A

Beta (Volatility)

N/A

Dividend

N/A

Beta (Volatility)

N/A

Price

N/A

Volume

N/A

Open

N/A

Price

N/A

Volume

N/A

Open

N/A

Previous Close

N/A

Daily Range

N/A

52-Week Range

N/A

Estimated Earnings Date

N/A

Dividend

N/A

Beta (Volatility)

N/A

Price

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Volume

N/A

Open

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Previous Close

N/A

Daily Range

N/A

52-Week Range

N/A

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
Commercial financing options, including SBA loans
Online and mobile banking platforms

Growth Outlook

Revenue increased to $6.09 million in Q1 2026, up from $5.67 million in Q4 2025
Gross profit margin improved to 64.6% in Q1 2026 from 76.8% in Q4 2025
Operating income showed a positive trend with a reduction in losses

Financial Highlights

Net income for Q1 2026 was a loss of $166,000, a decrease from $586,000 in Q4 2025
Cash and cash equivalents stood at $68.05 million as of Q1 2026
Debt ratio remains low at 9.9%, indicating financial stability

AI Generated • Aug 1, 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

N/A

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

N/A

Shares Outstanding

N/A

Volume

N/A

Avg. Volume

N/A

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 year	Period end	Revenue	YoY growth
2022	2022-12-31	USD 43,168,000	87.5%
2023	2023-12-31	USD 54,331,000	25.9%
2024	2024-12-31	USD 49,999,000	-8.0%
2025	2025-12-31	USD 24,366,000	-51.3%

U & I Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarter	Period end	QoQ growth
Q3	2025-09-30	-2.6%
Q4	2025-12-31	-2.3%
Q1	2026-03-31	7.4%
Q2	2026-06-30	-11.7%

U & I Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal year	Period end	Diluted EPS	YoY growth
2022	2022-12-31	USD 1.97	32.1%
2023	2023-12-31	USD -1.98	N/A
2024	2024-12-31	USD -5.67	186.0%
2025	2025-12-31	USD -0.39	-93.0%

U & I Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarter	Period end	QoQ growth
Q3	2025-09-30	-133.6%
Q4	2025-12-31	-133.5%
Q1	2026-03-31	72.5%
Q2	2026-06-30	-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

N/A

Market Cap/Employee

N/A

Employees

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 N/A per share.

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

Over the past 52 weeks, U & I Financial has traded between N/A and N/A.

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.

U & I Financial(OTC) UNIF

U & I Financial Financials at a Glance

UNIF News

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Our CEO Is Handing Members His Secret Weapon

About U & I Financial

UNIF Financials

Key Financial Metrics (TTM)

Stock Overview

Financials (TTM)

U & I Financial Performance Analysis

Revenue Growth Rate

Earnings Per Share Growth Rate

Quarterly Performance

Quarterly Fundamentals

Other Investments to Explore

People Also Watch

Trending Stocks

Questions About UNIF

What is the current price of U & I Financial?

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

How much debt does U & I Financial have?

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

What is U & I Financial’s dividend yield?

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