The company has reduced its share count over this period, returning value to shareholders through buybacks.
Diluted shares outstanding: 5.7M (2021) → 5.5M (2025)
U & I Financial Corp. functions as the parent organization for UniBank, a financial institution that delivers a broad spectrum of banking solutions and services. The bank primarily serves small to medium-sized businesses, self-employed professionals, and individual customers, with a significant focus on supporting Korean and other ethnic minority communities across the United States. Its deposit offerings include checking, savings, and money market accounts, as well as various certificates of deposit and installment savings plans. For lending, UniBank provides a diverse array of commercial financing options, such as term loans for commercial real estate, construction funding, general business term loans, equipment financing, business lines of credit, expedited business loans, and professional lines of credit. It also specializes in Small Business Administration (SBA) guaranteed loans. Furthermore, the company offers credit card services and convenient online and mobile banking platforms. Established in 2006, U & I Financial Corp. maintains branch locations in Tacoma, Bellevue, and Federal Way, all within Washington state, and operates a loan production office in Atlanta, Georgia. Its corporate headquarters are located in Lynnwood, Washington.
When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.
-12.0% YoY
YoY Growth Rate
Revenue declining
+92.0% YoY
YoY Growth Rate
EPS growth accelerating
$0/ year
0.0% of revenue
Below sector average (7%)
Research and development spending
Cash flow positive
$393M cash & investments
Company generates more cash than it spends — no dilution risk from fundraising
U & I Financial's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.
The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.
Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.
Negative ROIC means the business is losing money on every dollar invested in it.
Full breakdown available with your free trial
See every metric, trend, and what it means for this stock.
Full breakdown available with your free trial
See every metric, trend, and what it means for this stock.
FCF margin between 0% and 10%. Some cash from sales, but not a lot.
Full breakdown available with your free trial
See every metric, trend, and what it means for this stock.
Interest coverage below 1. Their profits don't cover the interest bill.
Full breakdown available with your free trial
See every metric, trend, and what it means for this stock.
Full breakdown available with your free trial
See every metric, trend, and what it means for this stock.
