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U & I Financial Corp (UNIF) Fair Value & Analysis

Financial Services · US · Market cap $22.2M

Price$4.05
Fair Value$8.10
Upside+100.0%
Quality95/100
Evidence: Low Range $6.49 – $9.71

Fair value as of: Jun 26, 2026

Analysis

U & I Financial Corp (UNIF) currently trades at $4.05, while our model-based Fair Value estimate is $8.10 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low) — always confirm before acting.

About the company

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 provides checking and savings accounts, and certificates of deposits. It offers commercial loans comprising commercial real estate term loans, residential real estate loans, construction loans, land loans, business term loans, equipment loans, business lines of credit, business express loans, and professional lines and loans; USDA loans; and SBA loans. In addition, the company offers online banking and bill pay; cash management; mobile banking and check deposit; and merchant check deposit services. The company was founded in 2006 and is headquartered in Lynnwood, Washington.

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Frequently asked questions

Is U & I Financial Corp (UNIF) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $8.10 versus a price of $4.05 — about +100% (undervalued). Model-based estimate, not financial advice.
What is the fair value of UNIF?
Our 21-model fair value for U & I Financial Corp is $8.10 (as of Jun 26, 2026), built from audited fundamentals. The current price is $4.05.
What is the quality score of UNIF?
U & I Financial Corp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.