U & I Financial Corp. (UNIF)
OTCMKTS · Delayed Price · Currency is USD
4.250
0.00 (0.00%)
Jul 28, 2026, 11:58 AM EST
U & I Financial Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | -2.16 | -31.07 | -10.81 | 11.13 | 8.5 |
Depreciation & Amortization | 0.98 | 0.94 | 1.3 | 1.45 | 0.99 |
Gain (Loss) on Sale of Assets | - | -0.03 | -0 | - | - |
Gain (Loss) on Sale of Investments | 0.24 | 0.18 | 0.2 | 0.34 | 0.34 |
Provision for Credit Losses | -1.59 | 28.25 | 26.41 | - | - |
Net Decrease (Increase) in Loans Originated / Sold - Operating | - | 0.18 | 13.94 | 10.77 | -10.44 |
Accrued Interest Receivable | 0.45 | 0.41 | -0.52 | -0.63 | 0.59 |
Change in Other Net Operating Assets | 0.17 | -6.67 | 3.08 | 0.02 | 1.06 |
Other Operating Activities | 0.38 | 6.1 | -6.6 | -1.15 | -1.95 |
Operating Cash Flow | -1.59 | -1.56 | 26.8 | 19.97 | -4.11 |
Operating Cash Flow Growth | - | - | 34.16% | - | - |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -0.06 | -0.09 | -0.07 | -0.38 | -0.13 |
Sale of Property, Plant and Equipment | 0 | 0.06 | 0.01 | - | - |
Investment in Securities | -8.18 | 3.35 | 0.01 | 1.82 | 4.51 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | 104.26 | 44.81 | -30.78 | -132.68 | -31.72 |
Other Investing Activities | 15.32 | -1.42 | 0.1 | -0.63 | -1.18 |
Investing Cash Flow | 111.35 | 46.71 | -30.74 | -131.86 | -28.52 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Short-Term Debt Issued | 116 | 305 | - | 12 | 5 |
Total Debt Issued | 116 | 305 | - | 12 | 5 |
Short-Term Debt Repaid | -126 | -275 | -2 | - | - |
Total Debt Repaid | -126 | -275 | -2 | - | - |
Net Debt Issued (Repaid) | -10 | 30 | -2 | 12 | 5 |
Issuance of Common Stock | - | 0.07 | 0.14 | 0.66 | 0.09 |
Repurchase of Common Stock | - | - | - | -2.64 | -0.36 |
Common Dividends Paid | - | - | -1.09 | -1.1 | - |
Total Dividends Paid | - | - | -1.09 | -1.1 | - |
Net Increase (Decrease) in Deposit Accounts | -101.75 | -74.8 | 26.15 | 113.87 | 36.81 |
Financing Cash Flow | -111.75 | -44.73 | 23.19 | 122.8 | 41.54 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | -1.98 | 0.43 | 19.25 | 10.91 | 8.91 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | -1.64 | -1.65 | 26.72 | 19.6 | -4.24 |
Free Cash Flow Growth | - | - | 36.37% | - | - |
Free Cash Flow Margin | -12.88% | - | - | 73.61% | -19.06% |
Free Cash Flow Per Share | -0.30 | -0.30 | 4.91 | 3.47 | -0.74 |
Additional Metrics
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 13.43 | 18.67 | 15.39 | 2.69 | 0.76 |
Cash Income Tax Paid | 0.02 | 0.07 | 3.14 | 2.62 | 1.95 |