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U & I Financial(OTC) UNIF

Market Cap$21.67MMarket 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)-44%
5 Year-54%
1 Year+20%
1 Month+5%
$4.25
+2.41%
+0.10Today
U & I Financial last closing stock price
MetricPriceDate
Last closeUSD 4.252026-07-28
U & I Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+6.25%USD 4.002026-07-15
1 month+4.94%USD 4.052026-06-25
3 month-6.8%USD 4.562026-04-29
Year to date+9.54%USD 3.882025-12-31
1 year+20.06%USD 3.542025-07-23
3 year-61.7%USD 11.102023-07-28
5 year-54.23%USD 9.282021-07-29
Since inception-43.51%USD 7.352016-01-13

U & I Financial Financials at a Glance

Market Cap

$21.67MMarket 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)

$23.54M

Net Income (TTM)

-$253.00K

EPS (TTM)

-$0.05

P/E Ratio

-89.83

Dividend

$0.00

Beta (Volatility)

0.13 (Low)

Price

$4.25

Volume

1,410

Open

$4.15

Previous Close

$4.25

Daily Range

$4.15 - $4.25

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 to small and medium-sized businesses, self-employed professionals, 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, an improvement from $586,000 loss 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
U & I Financial Corp. has established itself as a key player in the regional banking sector, focusing on underserved communities. The recent quarterly performance indicates a positive trajectory, with revenue growth and improved gross profit margins. The company's commitment to providing tailored financial solutions positions it well for future growth. With a solid cash position and low debt ratio, U & I Financial Corp. demonstrates financial resilience, making it an intriguing option for potential investors interested in the regional banking industry.
AI Generated • Jul 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

71.21%

Operating Margin

5.18%

Net Income Margin

-1.07%

Return on Equity

-0.89%

Return on Capital

-2.57%

Return on Assets

-0.06%

Earnings Yield

-1.11%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$21.67MMarket 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

5.22M

Volume

1.41K

Avg. Volume

1.10K

Financials (TTM)

Gross Profit

$16.76M

Operating Income

$1.22M

EBITDA

$1.22M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$68.05M

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
Q22025-06-30-13.8%
Q32025-09-30-2.6%
Q42025-12-31-2.3%
Q12026-03-317.4%
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
Q22025-06-30136.8%
Q32025-09-30-133.6%
Q42025-12-31-133.5%
Q12026-03-3172.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$6.09M

-12.0%

Gross Profit

$3.94M

+4576.1%

Gross Margin

64.64%

N/A

Market Cap

$21.67MMarket 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

$433.39K

N/A

Employees

50

N/A

Net Income

-$166.00K

+92.0%

EBITDA

-$166.00K

+94.8%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$68.05M

+201.6%

Total Debt

$40.00M

+37.9%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$40.00M

+37.9%

Short Term Debt

$0.00

N/A

Return on Assets

-0.06%

N/A

Return on Invested Capital

1.74%

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 $4.25 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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