Financial Services
U & I Financial Corp.(UNIF)
Live Price
Offline$4.05
+0.00% today
1Y Change
+24.59%
Window
Jun 23, 2025 โ Jun 15, 2026
- Market Cap
- $20.00M
- Revenue Growth
- -31.8%
- EPS Growth
- +93.1%
- Dividend Yield
- 0.0%
Coverage: 246 bars ยท Jun 23, 2025 โ Jun 15, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
U & I Financial Corp. (UNIF) is a Financial Services stock with a market cap of $20.00M and listed on OTC. The stock last traded around $4.05 and up 24.6% across the available one-year price window (Jun 23, 2025 โ Jun 15, 2026). Baseline metrics include revenue growth of -31.8%, EPS growth of +93.1%, a dividend yield of 0.0%. What stands out right now is revenue -31.8%, EPS +93.1%, free cash flow +10.2% with operating margin 5.2% and ROIC -0.1%. Valuation is more restrained than many high-expectation growth names at price/sales 1.1. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines UNIF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-31.8% vs +3.4% peer median
Operating Margin
Near sector median
+5.2% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2023 was reported on Dec 31, 2023, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -31.8% and EPS is at +93.1%, with operating margin around 5.2%.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 2 reported quarters, the stock averaged +4.9% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2023 Dec 31, 2023 | โ | +0.0% | +4.9% | +16.1% |
2023 Jun 30, 2023 | โ | +0.0% | +4.9% | +16.1% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UNIF
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
UNIF Max Drawdown
-23.91%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for UNIF and SPY.
Company Overview
U & I Financial Corp.
Other OTC
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.
- Leadership
- Jeong Won Yoon
- IPO Date
- Feb 19, 2016
- Employees
- 50
- Street Address
- 19315 Highway 99
- Mailing
- Lynnwood, WA, 98036
- Region
- Lynnwood, WA, US
- Reporting Currency
- USD
- Investor Line
- +1 253 942 1500
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- โ
- EV/EBITDA
- โ
- Price/Sales
- 1.1
- Price/Book
- 0.9
Growth
- Revenue
- -31.8%
- EPS
- +93.1%
- Free Cash Flow
- +10.2%
Profitability
- Gross Margin
- 56.3%
- Operating Margin
- 5.2%
- Net Margin
- -1.1%
- ROE
- -0.9%
- ROIC
- -0.1%
Balance Sheet
- Debt/Equity
- 1.41
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.