U & I Financial Corp. (UNIF)

U & I Financial Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 15, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	21	21	18	58	59	59
Market Cap Growth	-40.98%	17.22%	-68.62%	-1.79%	0.09%	18.35%
Last Close Price	3.80	3.88	3.31	10.57	10.61	10.22
PE Ratio	-	-	-	-	5.29	6.91
PS Ratio	1.63	1.67	-1.58	-45.78	2.21	2.64
PB Ratio	0.72	0.74	0.61	0.94	0.82	0.88
P/FCF Ratio	-	-	-	2.16	3.00	-
P/OCF Ratio	-	-	-	2.16	2.95	-
Debt / Equity Ratio	1.40	1.40	1.70	0.34	0.33	0.18
Debt / FCF Ratio	-	-	-	0.79	1.19	-
Net Debt / Equity Ratio	-0.66	-0.66	-0.36	-0.65	-0.25	-0.28
Net Debt / FCF Ratio	11.61	11.61	6.49	-1.49	-0.94	4.51
Return on Equity (ROE)	-7.34%	-7.34%	-68.02%	-16.20%	16.00%	13.47%
Return on Assets (ROA)	-0.46%	-0.46%	-5.49%	-1.81%	2.14%	1.98%
Earnings Yield	-10.38%	-10.17%	-171.39%	-18.71%	18.92%	14.47%
FCF Yield	-7.88%	-7.72%	-9.09%	46.25%	33.31%	-7.22%
Dividend Yield	-	-	-	-	1.88%	-
Payout Ratio	-	-	-	-	9.88%	-
Buyback Yield / Dilution	-0.38%	-0.03%	-0.50%	3.57%	0.90%	-2.51%
Total Shareholder Return	-0.38%	-0.03%	-0.50%	3.57%	2.78%	-2.51%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.