Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 24M | 36M | 41M | 30M | 22M |
| Gross Profit | 13M | -11M | -1M | 27M | 22M |
| Operating Income | -2M | -24M | -14M | 14M | 12M |
| EBITDA | -2M | -24M | -13M | 14M | 11M |
| Net Income | -2M | -31M | -11M | 11M | 9M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$4.05
+0.00% today
1Y Change
+25.83%
Window
Jun 20, 2025 → Jun 15, 2026
Coverage: 247 bars · Jun 20, 2025 → 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 25.8% across the available one-year price window (Jun 20, 2025 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UNIF
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
UNIF Max Drawdown
-23.91%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for UNIF and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$22.3M
-24.8% YoY
FY Net Income
$8.5M
-23.6% YoY
Free Cash Flow
-$4.2M
-121.7% YoY
Revenue Growth
-31.8%
EPS Growth
+93.1%
Gross Margin
56.3%
Net Margin
-1.1%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 24M | 36M | 41M | 30M | 22M |
| Gross Profit | 13M | -11M | -1M | 27M | 22M |
| Operating Income | -2M | -24M | -14M | 14M | 12M |
| EBITDA | -2M | -24M | -13M | 14M | 11M |
| Net Income | -2M | -31M | -11M | 11M | 9M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 60M | 62M | 61M | 42M | 31M |
| Total Assets | 409M | 522M | 610M | 587M | 456M |
| Total Liabilities | 380M | 492M | 549M | 515M | 389M |
| Shareholder Equity | 29M | 30M | 61M | 72M | 67M |
| Total Debt | 40M | 51M | 21M | 23M | 12M |
| Net Debt | -19M | -11M | -40M | -19M | -19M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
4M
-120.6% YoY
Capital Expenditures
133K
+64.7% YoY
Free Cash Flow
4M
-121.7% YoY
Key ratios
Gross Margin
56.3%
Operating Margin
5.2%
Net Margin
-1.1%
ROE
-0.9%
Debt / Equity
1.41x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.