UNIF Stock Financial Analysis - U & I Financial Corp. (OTCPK) Stock

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for U & I Financial Corp. as of March 31, 2025 is -16.52 MM.
The operating income for U & I Financial Corp. as of March 31, 2025 is -29.20 MM.
The net income for U & I Financial Corp. as of March 31, 2025 is -34.41 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-03-31	-16.52	-29.20	-34.41
2024-12-31	-11.47	-24.45	-31.07
2024-09-30	-29.82	-41.76	-32.72
2024-06-30	-7.94	-19.86	-15.41
2024-03-31	-3.38	-15.67	-12.21
2023-12-31	-1.26	-13.94	-10.81
2022-12-31	26.62	13.83	11.13
2021-12-31	22.27	10.50	8.50
2021-09-30	21.49	9.90	8.02
2021-06-30	19.83	8.95	7.25
2021-03-31	18.48	7.98	6.46
2020-12-31	17.56	7.52	6.21
2020-09-30	16.65	7.09	5.83
2020-06-30

Income Statement: EPS

The earnings per share basic for U & I Financial Corp. as of March 31, 2025 is -6.28.
The earnings per share diluted for U & I Financial Corp. as of March 31, 2025 is -6.28.

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-03-31	-6.28	-6.28
2024-12-31	-5.67	-5.67
2024-09-30
2024-06-30
2024-03-31
2023-12-31	-1.98	-1.98
2022-12-31	2.03	1.97
2021-12-31	1.53	1.49
2021-09-30	1.44	1.44
2021-06-30	1.32	1.31
2021-03-31	1.17	1.16
2020-12-31	1.12	1.12
2020-09-30	1.06	1.06
2020-06-30	1.04	1.04

Cash Flow: Operations, Investing, Financing

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-03-31
2024-12-31	-1.56	46.71	-44.73
2024-09-30
2024-06-30
2024-03-31
2023-12-31	26.80	-30.74	23.19
2022-12-31	19.97	-131.86	122.80
2021-12-31	-4.11	-28.52	41.54
2021-09-30
2021-06-30
2021-03-31
2020-12-31	2.67	-49.43	47.93
2020-09-30
2020-06-30

Valuation Metrics : PE, PriceToBook, PriceToTBV

The p/book for U & I Financial Corp. as of March 31, 2025 is 1.08.
The p/tbv for U & I Financial Corp. as of March 31, 2025 is 1.15.

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-03-31		1.08	1.15
2024-12-31		0.69	0.69
2024-09-30		0.53	0.53
2024-06-30
2024-03-31
2023-12-31
2022-12-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31	10.32	1.11	1.15
2020-12-31	10.73	1.13	1.17
2020-09-30	11.43	1.18	1.18
2020-06-30	11.53	1.22	1.26

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

The ebit/ev for U & I Financial Corp. as of March 31, 2025 is -1.19.
The ebit (3y)/ev for U & I Financial Corp. as of March 31, 2025 is -0.62.

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-03-31	-1.19	-0.62
2024-12-31	0.00	0.39
2024-09-30	0.00	0.12
2024-06-30
2024-03-31
2023-12-31
2022-12-31
2021-12-31
2021-09-30	0.00	0.08
2021-06-30
2021-03-31	0.16	0.14
2020-12-31	0.15	0.13
2020-09-30	0.13	0.11
2020-06-30	0.11	0.09

Management Effectiveness

The roa for U & I Financial Corp. as of March 31, 2025 is -0.05.
The roe for U & I Financial Corp. as of March 31, 2025 is -0.50.
The roic for U & I Financial Corp. as of March 31, 2025 is -0.39.
The croic for U & I Financial Corp. as of March 31, 2025 is 0.01.
The ocroic for U & I Financial Corp. as of March 31, 2025 is -0.02.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-03-31	-0.05	-0.50	-0.39	0.01	-0.02
2024-12-31			0.00	0.00	0.00
2024-09-30		0.00	0.00	0.00	0.00
2024-06-30	0.00	0.00	0.00	0.00	0.00
2024-03-31
2023-12-31
2022-12-31	0.00	0.00
2021-12-31	0.02	0.14	0.12	0.12	0.00
2021-09-30	0.02	0.14	0.12
2021-06-30	0.02	0.13	0.11	0.02	0.04
2021-03-31	0.02	0.12	0.09	0.02	0.04
2020-12-31	0.02	0.12	0.10	0.02	0.04
2020-09-30	0.02	0.12	0.09	0.00	0.00
2020-06-30	0.02	0.12	0.09	0.05	0.07

Gross Margins

The gross margin for U & I Financial Corp. as of March 31, 2025 is 1.00.
The net margin for U & I Financial Corp. as of March 31, 2025 is 2.71.
The operating margin for U & I Financial Corp. as of March 31, 2025 is 2.13.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-03-31	1.00	2.71	2.13
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2022-12-31
2021-12-31	1.00	0.38	0.47
2021-09-30		0.37	0.46
2021-06-30	1.00	0.37	0.45
2021-03-31	1.00	0.35	0.43
2020-12-31	1.00	0.35	0.43
2020-09-30	1.00	0.35	0.43
2020-06-30	1.00	0.35	0.43