U & I Financial Corp
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 offers checking and savings accounts, and certificates of deposits. It also provides commercial loans comprising commercial real estate term loans, residential real estate loans, construction loans, lan… Read more
U & I Financial Corp (UNIF) - Net Assets
Latest net assets as of June 2025: $28.23 Million USD
Based on the latest financial reports, U & I Financial Corp (UNIF) has net assets worth $28.23 Million USD as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($409.58 Million) and total liabilities ($381.36 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $28.23 Million |
| % of Total Assets | 6.89% |
| Annual Growth Rate | -1.53% |
| 5-Year Change | -49.34% |
| 10-Year Change | -9.16% |
| Growth Volatility | 19.91 |
U & I Financial Corp - Net Assets Trend (2014–2024)
This chart illustrates how U & I Financial Corp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for U & I Financial Corp (2014–2024)
The table below shows the annual net assets of U & I Financial Corp from 2014 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $29.93 Million | -51.27% |
| 2023-12-31 | $61.42 Million | -14.72% |
| 2022-12-31 | $72.02 Million | +7.31% |
| 2021-12-31 | $67.12 Million | +13.59% |
| 2020-12-31 | $59.09 Million | +17.10% |
| 2019-12-31 | $50.45 Million | +17.18% |
| 2018-12-31 | $43.06 Million | +9.28% |
| 2017-12-31 | $39.40 Million | +6.98% |
| 2016-12-31 | $36.83 Million | +11.77% |
| 2015-12-31 | $32.95 Million | -5.63% |
| 2014-12-31 | $34.92 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to U & I Financial Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 97.9% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $111.00K | 0.37% |
| Other Components | $29.82 Million | 99.63% |
| Total Equity | $29.93 Million | 100.00% |
U & I Financial Corp Competitors by Market Cap
The table below lists competitors of U & I Financial Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Grolleau SAS
PA:ALGRO
|
$6.42 Million |
|
PTRB
KLSE:0260
|
$6.42 Million |
|
SG Blocks Inc
NASDAQ:SGBX
|
$6.42 Million |
|
A.S. Création Tapeten AG
F:ACWN
|
$6.42 Million |
|
Rajshree Polypack Limited
NSE:RPPL
|
$6.41 Million |
|
ARTIFICIAL SOLU.INT.
F:5JG
|
$6.41 Million |
|
DREAMINSIGHT Co,.Ltd.
KQ:362990
|
$6.41 Million |
|
Multi-National Residence Fund
BK:MNRF
|
$6.41 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in U & I Financial Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 61,419,000 to 29,932,000, a change of -31,487,000 (-51.3%).
- Net loss of 31,068,000 reduced equity.
- Other factors decreased equity by 419,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-31.07 Million | -103.8% |
| Other Changes | $-419.00K | -1.4% |
| Total Change | $- | -51.27% |
Book Value vs Market Value Analysis
This analysis compares U & I Financial Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.58x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | $0.00 | $3.15 | x |
| 2016-12-31 | $0.00 | $3.15 | x |
| 2017-12-31 | $0.00 | $3.15 | x |
| 2018-12-31 | $7.72 | $3.15 | x |
| 2019-12-31 | $9.05 | $3.15 | x |
| 2020-12-31 | $10.59 | $3.15 | x |
| 2021-12-31 | $12.07 | $3.15 | x |
| 2022-12-31 | $13.24 | $3.15 | x |
| 2023-12-31 | $11.24 | $3.15 | x |
| 2024-12-31 | $5.47 | $3.15 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently U & I Financial Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -103.80%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -185.20%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 17.45x
- Recent ROE (-103.80%) is below the historical average (-2.01%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2014 | 10.26% | 25.35% | 0.05x | 7.95x | $77.10K |
| 2015 | 11.01% | 29.52% | 0.04x | 8.45x | $331.80K |
| 2016 | 9.70% | 28.73% | 0.05x | 7.02x | $-110.00K |
| 2017 | 8.11% | 28.42% | 0.04x | 6.96x | $-745.00K |
| 2018 | 10.47% | 33.25% | 0.04x | 7.08x | $200.40K |
| 2019 | 11.15% | 34.35% | 0.05x | 6.89x | $579.50K |
| 2020 | 10.52% | 32.18% | 0.05x | 6.84x | $304.50K |
| 2021 | 12.67% | 38.18% | 0.05x | 6.79x | $1.79 Million |
| 2022 | 15.45% | 41.81% | 0.05x | 8.15x | $3.93 Million |
| 2023 | -17.60% | -42.98% | 0.04x | 9.93x | $-16.95 Million |
| 2024 | -103.80% | -185.20% | 0.03x | 17.45x | $-34.06 Million |
Industry Comparison
This section compares U & I Financial Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| U & I Financial Corp (UNIF) | $28.23 Million | 10.26% | 13.51x | $6.41 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |