See more : Archean Chemical Industries Limited (ACI.NS) Income Statement Analysis – Financial Results
Complete financial analysis of U & I Financial Corp. (UNIF) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of U & I Financial Corp., a leading company in the Banks – Regional industry within the Financial Services sector.
You may be interested
- Croda International Plc (CRDA.L) Income Statement Analysis – Financial Results
- Blue Owl Capital Corporation III (OBDE) Income Statement Analysis – Financial Results
- Hopening SA (MLHPE.PA) Income Statement Analysis – Financial Results
- Yorozu Corporation (7294.T) Income Statement Analysis – Financial Results
- Australian Agricultural Company Limited (AAC.AX) Income Statement Analysis – Financial Results
U & I Financial Corp. (UNIF)
About U & I Financial Corp.
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.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 54.33M | 26.62M | 22.27M | 19.31M | 16.38M | 13.55M | 11.24M | 12.44M | 12.29M | 11.91M | 11.36M |
| Cost of Revenue | 13.69M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 40.64M | 26.62M | 22.27M | 19.31M | 16.38M | 13.55M | 11.24M | 12.44M | 12.29M | 11.91M | 11.36M |
| Gross Profit Ratio | 74.80% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 8.51M | 8.64M | 8.49M | 7.05M | 6.14M | 5.13M | 4.14M | 4.81M | 904.00K | 659.00K | 701.00K |
| Selling & Marketing | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 51.00K | 141.00K | 197.00K | 187.00K | 337.00K |
| SG&A | 8.51M | 8.64M | 8.49M | 7.05M | 6.14M | 5.13M | 4.19M | 4.95M | 6.25M | 5.64M | 5.72M |
| Other Expenses | 16.64M | -21.43M | -20.27M | -18.85M | -15.54M | -13.15M | -1.97M | -1.93M | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 25.15M | -12.79M | -11.78M | -11.79M | -9.39M | -8.02M | 1.97M | 1.93M | 6.86M | 7.39M | 6.99M |
| Cost & Expenses | 25.15M | -12.79M | -11.78M | -11.79M | -9.39M | -8.02M | 8.71M | 9.25M | 6.86M | 7.39M | 6.99M |
| Interest Income | 37.65M | 25.91M | 17.86M | 16.77M | 16.29M | 13.59M | 10.58M | 10.90M | 0.00 | 0.00 | 0.00 |
| Interest Expense | 15.39M | 2.99M | 747.00K | 2.04M | 3.78M | 2.46M | 1.45M | 1.63M | 0.00 | 0.00 | 0.00 |
| Depreciation & Amortization | 292.00K | 267.00K | 257.00K | 252.00K | 272.00K | 280.00K | 292.00K | 338.00K | -4.90M | -5.02M | -4.59M |
| EBITDA | -320.00K | 14.10M | 10.75M | 7.77M | 7.25M | 5.81M | 4.28M | 5.16M | 500.00K | -551.00K | -280.00K |
| EBITDA Ratio | -0.59% | 52.97% | 48.28% | 40.23% | 44.30% | 42.88% | 38.07% | 41.49% | 4.07% | -4.63% | -2.46% |
| Operating Income | 0.00 | 13.83M | 10.50M | 7.52M | 6.98M | 5.53M | 3.99M | 4.82M | 4.90M | 5.02M | 4.59M |
| Operating Income Ratio | 0.00% | 51.96% | 47.13% | 38.92% | 42.64% | 40.81% | 35.47% | 38.77% | 39.84% | 42.11% | 40.40% |
| Total Other Income/Expenses | -13.94M | -1.79M | -1.43M | -1.22M | -1.09M | -1.01M | -815.00K | -1.29M | -610.00K | -1.75M | -1.27M |
| Income Before Tax | -13.94M | 13.83M | 10.50M | 7.52M | 6.98M | 5.53M | 3.99M | 4.82M | 5.43M | 4.52M | 4.37M |
| Income Before Tax Ratio | -25.66% | 51.96% | 47.13% | 38.92% | 42.64% | 40.81% | 35.47% | 38.77% | 44.17% | 37.95% | 38.46% |
| Income Tax Expense | -3.14M | 2.70M | 1.99M | 1.30M | 1.36M | 1.03M | 793.00K | 1.25M | 1.80M | 1.50M | 1.40M |
| Net Income | -10.81M | 11.13M | 8.50M | 6.21M | 5.63M | 4.51M | 3.20M | 3.57M | 3.60M | 2.96M | 2.91M |
| Net Income Ratio | -19.89% | 41.81% | 38.18% | 32.18% | 34.35% | 33.25% | 28.42% | 28.73% | 29.26% | 24.89% | 25.62% |
| EPS | -1.98 | 2.03 | 1.53 | 1.12 | 1.02 | 0.82 | 0.59 | 0.72 | 0.70 | 0.62 | 0.61 |
| EPS Diluted | -1.98 | 1.97 | 1.49 | 1.12 | 1.02 | 0.82 | 0.58 | 0.71 | 0.70 | 0.62 | 0.61 |
| Weighted Avg Shares Out | 5.45M | 5.49M | 5.56M | 5.53M | 5.50M | 5.49M | 5.43M | 4.99M | 5.10M | 4.79M | 4.77M |
| Weighted Avg Shares Out (Dil) | 5.45M | 5.65M | 5.70M | 5.56M | 5.50M | 5.50M | 5.47M | 5.02M | 5.13M | 4.78M | 4.76M |
U & I Financial Corp. Reports Amended and Restated Third Quarter 2024 Financial Results
LYNNWOOD, WA / ACCESSWIRE / December 6, 2024 / U & I Financial Corp. (OTCQX:UNIF), the holding company (the "Company") for UniBank (the "Bank"), today reported amended and restated results for its third quarter with decreases in Gross Loans and...
UniBank Names Robert Disotell Executive Vice President and Chief Credit Officer
LYNNWOOD, WA / ACCESSWIRE / September 3, 2024 / U & I Financial Corp. (OTCQX:UNIF), the holding company (the "Company") of UniBank (the "Bank"), announced today that the Bank has selected Robert Disotell as Executive Vice President (EVP) and Chief...
U & I Financial Corp. Reports Second Quarter 2024 Financial Results
LYNNWOOD, WA / ACCESSWIRE / July 31, 2024 / U & I Financial Corp. (OTCQX:UNIF), the holding company ("Company") for UniBank ("Bank"), today reported a quarterly Net Loss of $827 thousand or $0.15 loss per share in the second quarter...
U & I Financial Corp. and UniBank Name Stephanie Yoon Chief Executive Officer; Adds New Directors
LYNNWOOD, WA / ACCESSWIRE / July 16, 2024 / U & I Financial Corp. (OTCQX:UNIF), the holding company (the "Company") of UniBank (the "Bank"), announced today that the Board of Directors selected Stephanie Yoon as the permanent Chief Executive Officer...
U & I Financial Corp. Reports First Quarter 2024 Financial Results
LYNWOOD, WA / ACCESSWIRE / April 30, 2024 / U & I Financial Corp. (OTCQX:UNIF), the holding company ("Company") for UniBank ("Bank"), today reported quarterly net income of $1.3 million or $0.23 per share in the first quarter of 2024,...
7 Small-Cap Gems Under $10 Primed for 1,000% Growth
There are many high-quality businesses trading near $10 per share that have significant growth potential ahead as their core operations continue to expand at a rapid pace. While their stock prices remain depressed and languishing, the intrinsic values of these...
U & I Financial Corp. Reports Amended and Restated Fourth Quarter and Year-End 2023 Financial Results
LYNNWOOD, WA / ACCESSWIRE / April 18, 2024 / U & I Financial Corp. (OTCQX:UNIF), the holding company for UniBank, today reported amended and restated results for its fourth quarter and fiscal year ended December 31, 2023, reflecting an increase...
UniBank Names Stephanie Yoon Interim CEO
LYNWOOD, WA / ACCESSWIRE / February 5, 2024 / U & I Financial Corp. (OTCQX:UNIF), the holding company of UniBank, today announced that the board of directors appointed Executive Vice President & Chief Risk Officer Stephanie Yoon to Interim Chief...
U & I Financial Corp. Reports Fourth Quarter 2023 Financial Results
LYNNWOOD, WA / ACCESSWIRE / January 30, 2024 / U & I Financial Corp. (OTCQX:UNIF), the holding company for UniBank, today reported quarterly net loss of $158 thousand or $0.03 loss per share in the fourth quarter, as compared to...
U & I Financial Corp. Reports Third Quarter 2023 Financial Results
LYNNWOOD, WA / ACCESSWIRE / October 31, 2023 / U & I Financial Corp. (OTCQX:UNIF), the holding company for UniBank, today reported quarterly earnings of $2.4 million or $0.43 per share in the third quarter, as compared to $3.0 million...
Source: https://incomestatements.info
Category: Stock Reports