U & I Financial Corp. (UNIF)

U & I Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	18.74	20.24	29.24	33.51	23.95	16.45
Interest Income on Investments	3.41	3.41	4.84	4.14	1.97	1.42
Total Interest Income	22.15	23.65	34.08	37.65	25.91	17.86
Interest Paid on Deposits	10.33	11.7	16.25	14.15	2.75	0.72
Interest Paid on Borrowings	1.52	1.52	2.68	1.24	0.24	0.02
Total Interest Expense	11.85	13.23	18.93	15.39	2.99	0.75
Net Interest Income	10.3	10.43	15.15	22.26	22.93	17.12
Net Interest Income Growth	-9.59%	-31.19%	-31.94%	-2.90%	33.95%	16.22%
Gain (Loss) on Sale of Investments	0	0	0.03	-	-	-
Other Non-Interest Income	0.52	0.43	1.12	1.17	0.91	1.32
Total Non-Interest Income	0.81	0.71	1.62	2.89	3.69	5.15
Non-Interest Income Growth	-20.53%	-56.01%	-43.74%	-21.88%	-28.35%	12.51%
Revenues Before Loan Losses	11.11	11.14	16.78	25.15	26.62	22.27
Provision for Loan Losses	-4.2	-1.59	28.25	26.41	-	-
Revenue	15.31	12.73	-11.47	-1.26	26.62	22.27
Revenue Growth	-	-	-	-	19.53%	26.83%
Salaries and Employee Benefits	6.55	6.3	6.5	7.98	8.19	7.81
Occupancy Expenses	0.6	0.59	0.55	0.64	0.64	0.71
Selling, General & Administrative	6.81	5.34	3.75	2.15	2.13	1.84
Other Non-Interest Expense	2.19	2.29	2.18	1.92	1.83	1.43
Total Non-Interest Expense	16.15	14.51	12.98	12.68	12.79	11.78
EBT Excluding Unusual Items	-0.85	-1.78	-24.45	-13.94	13.83	10.5
Pretax Income	-0.85	-1.78	-24.45	-13.94	13.83	10.5
Income Tax Expense	0.57	0.38	6.62	-3.14	2.7	1.99
Net Income	-1.41	-2.16	-31.07	-10.81	11.13	8.5
Net Income to Common	-1.41	-2.16	-31.07	-10.81	11.13	8.5
Net Income Growth	-	-	-	-	30.90%	36.84%
Basic Shares Outstanding	6	5	5	5	5	6
Diluted Shares Outstanding	6	5	5	5	6	6
Shares Change	1.95%	0.03%	0.50%	-3.57%	-0.90%	2.51%
EPS (Basic)	-0.25	-0.39	-5.67	-1.98	2.03	1.53
EPS (Diluted)	-0.25	-0.39	-5.67	-1.98	1.97	1.49
EPS Growth	-	-	-	-	32.21%	33.04%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	-	-	-	-	0.200	-
Dividend Growth	-	-	-	-	-	-
Effective Tax Rate	-	-	-	-	19.55%	19.00%

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jul 31, 2026

Data Sources Report a data error