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Equity
U & I Financial Corp(UNIF)
USD --+0.00%
Reward28Low
Risk53Moderate
📊75%Data
Thin -17% profit margin · Revenue down 68% YoY
UNIF
+0.0 · +0.00%
USD · OTCQX
U & I Financial Corp | Financial Services
Earnings Deterioration
Market Cap:20.19M
ℹ️
Reward Rating
28
Low
Bottom 1% (model universe)
75% data coverage
ℹ️
Risk Rating
53
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on UNIF to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is 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.

UNIF · Verdict

Limited reward · elevated risk

UNIF's standout is volatility; profitability and growth weigh on the picture.

Based on 88% data coverage

UNIF · Verdict

What’s working & what to watch

Strengths 1

  • Volatility75/100

    Above average

Watchouts 3

  • Profitability8/100

    -185% net margin · -7% ROE

  • Growth13/100

    Revenue -9.0% CAGR

  • Cash flow29/100

    -10% free-cash-flow margin

Model-based scoring. For information only — not financial advice.

What is 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 offers checking and savings accounts, and certificates of deposits. The company is listed on the OTCQX in USA, operating in the Financial Services sector, with a market capitalisation of 20.19M.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue growth is subdued, limiting near-term earnings expansion.
💰 Profitability
Thin or inconsistent margins weigh on earnings quality.
⚠️ Risk
Performance tied to macro conditions — sensitive to interest rate cycles.
💸 Valuation
Valuation is less clear with a negative earnings base.

OpenBook Logo Analysis

Reward: Low (28)

The scoring profile indicates weak reward characteristics across most factors, including valuation and momentum. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap20.19M
P/E RatioN/A
Dividend YieldN/A
52 Week High4.15
52 Week Low3
Last AnnualDecember
IPO DateN/A
IncorporatedUSA
Shares Outstanding5M
No. of EmployeesN/A
IndustryBanks - Regional
ExchangeOTCQX
Beta-0.154
CurrencyUSD
Websitewww.unibankusa.com
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