Home / UNIF : OTC

AI Analysis Fundamentals Valuation Video Analysis News Similar

AI Analysis

How does UNIF make money? Does UNIF have pricing power? What's the Earnings Whisper? Will UNIF profit more as the business scales? What is UNIF's management track record? Is UNIF's current price justified?

U & I Financial Corp.

$4.11 +$0.23 (+5.95%)

OTC · 11 Sep 2026 20:00 UTC

Previous Close

$4.11

Day Range

$4$4.11

Year Range

$3.24$4.6

Market Cap

22.51M

AVG Volume

1.52K

Trailing/Forward PE

-15.74/-

PEG ratio

0.01

Dividend Yield

Next Earnings Date

Primary Exchange

Other OTC

Revenue (USD)

UNIF Revenue (USD) by year
Period	Revenue (USD)
2025	24.37M
2024	35.7M
2023	40.54M
2022	29.61M
2021	23.02M
2020	21.35M
2019	20.16M
2018	16.01M
2017	10.95M

Net Income (USD)

UNIF Net Income (USD) by year
Period	Net Income (USD)
2025	-2.16M
2024	-31.07M
2023	-10.81M
2022	11.13M
2021	8.5M
2020	6.21M
2019	5.62M
2018	4.51M
2017	3.83M

Operating Income (USD)

UNIF Operating Income (USD) by year
Period	Operating Income (USD)
2025	-1.78M
2024	-24.45M
2023	-13.94M
2022	13.83M
2021	10.5M
2020	7.52M
2019	6.98M
2018	5.53M
2017	3.38M

EBITDA (USD)

UNIF EBITDA (USD) by year
Period	EBITDA (USD)
2025	-1.78M
2024	-22.45M
2023	-13.94M
2022	13.83M
2021	10.5M
2020	7.52M
2019	6.98M
2018	5.53M
2017	4.95M

Cash Flows (USD)

UNIF Cash Flows (USD) by year
Period	Cash Flows (USD)
2025	157K
2024	0
2023	0
2022	0
2021	459K
2020	476K
2019	477K
2018	134K
2017	0

EPS (USD)

UNIF EPS (USD) by year
Period	EPS (USD)
2025	-0.4
2024	-5.67
2023	-1.98
2022	2.02
2021	1.53
2020	1.12
2019	1.03
2018	0.82
2017	0.69

Expenses (USD)

UNIF Expenses (USD) by year
Period	Expenses (USD)
2025	6.87M
2024	10.21M
2023	8.24M
2022	8.64M
2021	8.27M
2020	6.74M
2019	5.85M
2018	5.12M
2017	6.08M

Cash & Debt (USD)

UNIF Cash & Debt (USD) by year
Period	Cash & Debt (USD)
2025	59.7M
2024	106.45M
2023	110.27M
2022	90.53M
2021	86.12M
2020	82.89M
2019	87.18M
2018	78.06M
2017	22.25M

Debt ratios

UNIF Debt ratios by year
Period	Debt ratios
2025	0.79
2024	4.62
2023	-4.98
2022	-1.73
2021	-2.44
2020	-3.11

Margins

UNIF Margins by year
Period	Margins
2025	52.26%
2024	-32.13%
2023	-3.11%
2022	89.91%
2021	96.75%
2020	82.23%
2019	79.3%
2018	82.82%
2017	100%

Return on Capital

UNIF Return on Capital by year
Period	Return on Capital
2025	-7.47%
2024	-103.8%
2023	-17.6%
2022	15.45%
2021	12.67%
2020	10.52%
2019	11.15%
2018	10.47%
2017	9.72%

Shares Outstanding

UNIF Shares Outstanding by year
Period	Shares Outstanding
2025	5.48M
2024	5.48M
2023	5.47M
2022	5.44M
2021	5.62M
2020	5.52M
2019	5.57M
2018	5.5M
2017	6.51M

Dividends (USD)

UNIF Dividends (USD) by year
Period	Dividends (USD)
2023	0.2
2022	0.2
2018	0.1
2017	0.24

Book Value Per Share (USD)

UNIF Book Value Per Share (USD) by year
Period	Book Value Per Share (USD)
2025	5.28
2024	5.47
2023	11.24
2022	13.24
2021	11.94
2020	10.71
2019	9.05
2018	7.84
2017	6.05

Total Assets (USD)

UNIF Total Assets (USD) by year
Period	Total Assets (USD)
2025	409.11M
2024	522.32M
2023	610.05M
2022	586.73M
2021	455.68M
2020	403.9M
2019	347.45M
2018	305.02M
2017	274.03M

PE Ratio

UNIF PE Ratio by year
Period	PE Ratio
Mar 24	3.59
Mar 24	3.27
Mar 24	3.29
Mar 24	3.44
Mar 24	3.62
Feb 24	4.05
Feb 24	4.15
Feb 24	4.4
Feb 24	4.58
Jan 24	5.06
Jan 24	4.94
Jan 24	4.73
Jan 24	5.19
Dec 23	5.35
Dec 23	4.98
Dec 23	5.05
Dec 23	4.93
Dec 23	4.96
Nov 23	4.98
Nov 23	4.86
Nov 23	4.89
Nov 23	4.89
Oct 23	4.93
Oct 23	4.93
Oct 23	5.03
Oct 23	5.03
Sep 23	5.05
Sep 23	5.01
Sep 23	5.01
Sep 23	5.01
Sep 23	5.01
Aug 23	5.01
Aug 23	5.01
Aug 23	5.19
Aug 23	5.19
Jul 23	5.19
Jul 23	5.1
Jul 23	5.1
Jul 23	5.1
Jun 23	4.98
Jun 23	5.28
Jun 23	5.59
Jun 23	5.59
Jun 23	5.5
May 23	5.52
May 23	5.52
May 23	5.4
May 23	5.43
Apr 23	5.37
Apr 23	5.37
Apr 23	5.27
Apr 23	5.26
Mar 23	5.26
Mar 23	5.93
Mar 23	6.23
Mar 23	6.07
Mar 23	6.26
Feb 23	6.26
Feb 23	6.25
Feb 23	6.26
Feb 23	6.26
Jan 23	6.25
Jan 23	5.85
Jan 23	5.85
Jan 23	5.88
Dec 22	5.88
Dec 22	6.37
Dec 22	6.63
Dec 22	6.74
Dec 22	6.71
Nov 22	6.74
Nov 22	6.65
Nov 22	6.77
Nov 22	6.74
Oct 22	6.77
Oct 22	6.86
Oct 22	7.04
Oct 22	7.04
Sep 22	6.95
Sep 22	7.39
Sep 22	7.17
Sep 22	7.13
Sep 22	7.1
Aug 22	6.7
Aug 22	6.86
Aug 22	6.7
Aug 22	6.7
Jul 22	6.7
Jul 22	6.79
Jul 22	6.7
Jul 22	6.73
Jul 22	6.79
Jun 22	7.47
Jun 22	7.51
Jun 22	7.73
Jun 22	8.03
May 22	7.8
May 22	7.81
May 22	8.03
May 22	7.93

Price to Sales

UNIF Price to Sales by year
Period	Price to Sales
Sep 26	0.96
Sep 26	0.95
Aug 26	0.9
Aug 26	1.02
Aug 26	1.02
Aug 26	1.02
Jul 26	0.99
Jul 26	0.97
Jul 26	0.93
Jul 26	0.93
Jul 26	0.95
Jun 26	0.91
Jun 26	0.91
Jun 26	0.79
Jun 26	0.8
May 26	0.9
May 26	0.9
May 26	0.99
May 26	1.02
May 26	1.02
Apr 26	0.98
Apr 26	0.85
Apr 26	0.86
Apr 26	0.79
Mar 26	0.7
Mar 26	0.78
Mar 26	0.76
Mar 26	0.76
Feb 26	0.77
Feb 26	0.78
Feb 26	0.78
Feb 26	0.79
Jan 26	0.79
Jan 26	0.81
Jan 26	0.81
Jan 26	0.81
Jan 26	0.81
Dec 25	0.74
Dec 25	0.73
Dec 25	0.75
Dec 25	0.75
Nov 25	0.75
Nov 25	0.77
Nov 25	0.78
Nov 25	0.75
Oct 25	0.76
Oct 25	0.75
Oct 25	0.76
Oct 25	0.76
Oct 25	0.71
Sep 25	0.66
Sep 25	0.66
Sep 25	0.66
Sep 25	0.63
Aug 25	0.63
Aug 25	0.58
Aug 25	0.58
Aug 25	0.6
Aug 25	0.61
Jul 25	0.59
Jul 25	0.55
Jul 25	0.55
Jul 25	0.53
Jun 25	0.49
Jun 25	0.46
Jun 25	0.46
Jun 25	0.47
May 25	0.46
May 25	0.46
May 25	0.48
May 25	0.48
May 25	0.49
Apr 25	0.48
Apr 25	0.47
Apr 25	0.47
Apr 25	0.48
Mar 25	0.57
Mar 25	0.57
Mar 25	0.56
Mar 25	0.57
Feb 25	0.57
Feb 25	0.59
Feb 25	0.59
Feb 25	0.58
Jan 25	0.58
Jan 25	0.58
Jan 25	0.58
Jan 25	0.6
Jan 25	0.49
Dec 24	0.45
Dec 24	0.44
Dec 24	0.45
Dec 24	0.47
Nov 24	0.47
Nov 24	0.48
Nov 24	0.51
Nov 24	0.59
Nov 24	0.57
Oct 24	0.59
Oct 24	0.55

EV/EBITDA

UNIF EV/EBITDA by year
Period	EV/EBITDA
Sep 26	-4.54
Sep 26	-4.72
Aug 26	-5.71
Aug 26	-3.24
Aug 26	-3.24
Aug 26	-3.24
Jul 26	-3.92
Jul 26	-4.36
Jul 26	-5.04
Jul 26	-5.04
Jul 26	-4.63
Mar 24	-0.88
Mar 24	-1.14
Mar 24	-1.12
Mar 24	-1
Mar 24	-0.86
Feb 24	-0.52
Feb 24	-0.44
Feb 24	-0.25
Feb 24	-0.11
Jan 24	0.27
Jan 24	0.17
Jan 24	0.01
Jan 24	0.37
Dec 23	0.5
Dec 23	1.27
Dec 23	1.33
Dec 23	1.24
Dec 23	1.25
Nov 23	1.27
Nov 23	1.18
Nov 23	1.2
Nov 23	1.2
Oct 23	1.24
Oct 23	1.24
Oct 23	1.31
Oct 23	1.31
Sep 23	1.33
Sep 23	1.25
Sep 23	1.25
Sep 23	1.25
Sep 23	1.25
Aug 23	1.25
Aug 23	1.25
Aug 23	1.39
Aug 23	1.39
Jul 23	1.39
Jul 23	1.32
Jul 23	1.32
Jul 23	1.32
Jun 23	1.23
Jun 23	-0.6
Jun 23	-0.35
Jun 23	-0.35
Jun 23	-0.43
May 23	-0.41
May 23	-0.41
May 23	-0.51
May 23	-0.49
Apr 23	-0.53
Apr 23	-0.53
Apr 23	-0.61
Apr 23	-0.62
Mar 23	-0.62
Mar 23	2.68
Mar 23	2.92
Mar 23	2.79
Mar 23	2.94
Feb 23	2.94
Feb 23	2.94
Feb 23	2.94
Feb 23	2.94
Jan 23	2.93
Jan 23	2.61
Jan 23	2.61
Jan 23	2.64
Dec 22	2.64
Dec 22	5.73
Dec 22	5.94
Dec 22	6.03
Dec 22	6.01
Nov 22	6.03
Nov 22	5.96
Nov 22	6.06
Nov 22	6.03
Oct 22	6.06
Oct 22	6.13
Oct 22	6.27
Oct 22	6.27
Sep 22	6.2
Sep 22	3.19
Sep 22	3.01
Sep 22	2.97
Sep 22	2.95
Aug 22	2.62
Aug 22	2.75
Aug 22	2.62
Aug 22	2.63
Jul 22	2.63
Jul 22	2.7

Price to Book

UNIF Price to Book by year
Period	Price to Book
Sep 26	0.79
Sep 26	0.78
Aug 26	0.74
Aug 26	0.85
Aug 26	0.85
Aug 26	0.85
Jul 26	0.82
Jul 26	0.8
Jul 26	0.77
Jul 26	0.77
Jul 26	0.79
Jun 26	0.77
Jun 26	0.77
Jun 26	0.66
Jun 26	0.67
May 26	0.76
May 26	0.76
May 26	0.83
May 26	0.86
May 26	0.86
Apr 26	0.83
Apr 26	0.72
Apr 26	0.72
Apr 26	0.66
Mar 26	0.64
Mar 26	0.71
Mar 26	0.69
Mar 26	0.7
Feb 26	0.7
Feb 26	0.71
Feb 26	0.71
Feb 26	0.72
Jan 26	0.72
Jan 26	0.74
Jan 26	0.74
Jan 26	0.74
Jan 26	0.74
Dec 25	0.76
Dec 25	0.75
Dec 25	0.77
Dec 25	0.78
Nov 25	0.77
Nov 25	0.79
Nov 25	0.81
Nov 25	0.78
Oct 25	0.79
Oct 25	0.78
Oct 25	0.78
Oct 25	0.78
Oct 25	0.73
Sep 25	0.79
Sep 25	0.79
Sep 25	0.78
Sep 25	0.75
Aug 25	0.75
Aug 25	0.69
Aug 25	0.69
Aug 25	0.71
Aug 25	0.73
Jul 25	0.7
Jul 25	0.65
Jul 25	0.65
Jul 25	0.63
Jun 25	0.59
Jun 25	0.55
Jun 25	0.55
Jun 25	0.56
May 25	0.55
May 25	0.55
May 25	0.57
May 25	0.58
May 25	0.59
Apr 25	0.57
Apr 25	0.56
Apr 25	0.56
Apr 25	0.58
Mar 25	0.45
Mar 25	0.46
Mar 25	0.45
Mar 25	0.46
Feb 25	0.46
Feb 25	0.47
Feb 25	0.47
Feb 25	0.47
Jan 25	0.47
Jan 25	0.47
Jan 25	0.47
Jan 25	0.48
Jan 25	0.39
Dec 24	0.29
Dec 24	0.28
Dec 24	0.29
Dec 24	0.3
Nov 24	0.3
Nov 24	0.31
Nov 24	0.33
Nov 24	0.38
Nov 24	0.37
Oct 24	0.39
Oct 24	0.36

No video analysis for this stock yet. Request one from our team.

News: UNIF

accessnewswire.com · 30 Jul 2026