Union Financial Corporation (UFCP) Stock Price & Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 8.10 means the share price is 8.10 times one year of earnings per share. Market cap $8.27M is the value of all shares combined. Beta 0.23: the stock has moved about 77% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 17, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerUnion Financial Corporation (UFCP) trades at $2.51. Union Financial Corporation, operating as Union Bank, provides a range of banking products and services in Michigan. The company focuses on traditional banking activities and personal investment services. Market cap: $8.27M, Sector: Financials.
Price as of · Last analyzed: Mar 17, 2026Analyst Coverage for UFCP: UFCP does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.
Union Financial Corporation (UFCP) Financial Services Profile
Union Financial Corporation, established in 1934, operates as a bank holding company for Union Bank, delivering banking and personal investment services in Michigan. With a market capitalization of $8.27M and a P/E ratio of 8.10, the company focuses on traditional banking products and services within the regional banking sector.
What Is the Investment Thesis for UFCP?
Union Financial Corporation presents a focused investment opportunity within the Michigan regional banking sector. With a modest market capitalization of $8.27M and a P/E ratio of 8.10, the company's valuation reflects its regional focus and traditional banking model. A key value driver is the company's established presence in its local market, fostering customer loyalty and stable deposit base. Growth catalysts include expanding its personal investment services and increasing loan penetration within its existing customer base. However, investors may want to evaluate the risks associated with operating in a competitive banking environment and the potential impact of interest rate fluctuations on profitability. The company's beta of 0.23 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
UFCP Key Highlights
Market capitalization of $8.27M indicates its position as a smaller regional bank.
- P/E ratio of 8.10 suggests a potentially undervalued stock compared to industry averages.
- Profit margin of 6.9% reflects its ability to generate earnings from its operations.
- Gross margin of 100.0% indicates efficient management of interest income and expenses.
- Beta of 0.23 suggests lower volatility compared to the broader market, appealing to risk-averse investors.
Who Are UFCP's Competitors?
UFCP is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| CCFC CCSB Financial Corp. | $12.15 | 0.00% | $8.73M | — |
| FPBC First Pacific Bancorp | $8.00 | 0.00% | $15.5M | — |
| IDFB Peak Bancorp Inc. | $12.00 | -0.08% | $9.51M | — |
| LWLW Longwen Group Corp. | $0.10 | 0.00% | $8.09M | — |
| SBFG SB Financial Group, Inc. | $29.40 | 0.00% | $184M | 90 5-pillar |
| FCAP First Capital, Inc. | $62.90 | +1.45% | $210M | 89 5-pillar |
| HWBK Hawthorn Bancshares, Inc. | $38.63 | +1.02% | $267M | 90 5-pillar |
| ATLO Ames National Corporation | $32.36 | +1.99% | $287M | 91 5-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are UFCP's Key Strengths?
Established presence in Michigan.
- Diversified product and service offerings.
- Strong customer relationships.
- Experienced management team.
What Are UFCP's Weaknesses?
Limited geographic reach.
- Smaller market capitalization compared to larger banks.
- Dependence on the Michigan economy.
- Lack of digital banking innovation.
What Could Drive UFCP Stock Higher?
Expansion of personal investment services to attract new customers and increase revenue.
- Increasing loan penetration within the existing customer base through competitive loan products.
- Implementation of digital banking enhancements to improve customer experience (1-2 years).
- Strategic partnerships with local businesses to generate new loan opportunities.
- Potential acquisition of smaller community banks or credit unions to expand geographic footprint (3-5 years).
What Are the Key Risks for UFCP?
Financial-distress signal — its Altman Z-Score of 0.20 sits in the distress zone (elevated bankruptcy risk).
- Competition from larger national banks and credit unions in Michigan.
- Economic downturn in Michigan impacting loan performance and deposit growth.
- Interest rate fluctuations affecting net interest margin and profitability.
- Increasing regulatory requirements and compliance costs.
- Limited financial disclosure due to OTC listing increases information asymmetry.
What Are the Growth Opportunities for UFCP?
- Expanding Personal Investment Services: Union Financial Corporation can grow by expanding its personal investment services, including investments, educational savings plans, and retirement accounts. The market for these services is substantial, with individuals increasingly seeking financial planning and investment advice. By offering a wider range of investment products and services, Union Financial Corporation can attract new customers and increase revenue from existing customers. Timeline: Ongoing.
- Increasing Loan Penetration: Union Financial Corporation has the opportunity to increase loan penetration within its existing customer base. By offering competitive loan products and personalized service, the company can encourage customers to consolidate their borrowing with Union Bank. This includes home equity lines of credit, construction loans, business loans, and agricultural loans. The market for these loans is significant, particularly in Michigan's agricultural sector. Timeline: Ongoing.
- Digital Banking Enhancements: Investing in digital banking enhancements can attract younger demographics and improve customer satisfaction. Offering user-friendly mobile apps, online account management tools, and digital payment options can enhance the customer experience and streamline banking operations. This can lead to increased customer retention and acquisition. The timeline for implementing these enhancements is within the next 1-2 years.
- Strategic Partnerships: Forming strategic partnerships with local businesses and community organizations can expand Union Financial Corporation's reach and build brand awareness. This includes partnering with real estate agents, contractors, and agricultural suppliers to offer financing solutions to their customers. These partnerships can generate new loan opportunities and increase deposit growth. Timeline: Within the next year.
- Acquisition Opportunities: Exploring potential acquisition opportunities of smaller community banks or credit unions in Michigan can accelerate Union Financial Corporation's growth. This would allow the company to expand its geographic footprint, increase its customer base, and diversify its product offerings. Careful due diligence and integration planning are essential for successful acquisitions. Timeline: 3-5 years.
What Are UFCP's Competitive Advantages?
- Established presence in the local Michigan market.
- Strong customer relationships and community ties.
- Personalized service and local market knowledge.
- Diversified range of banking and investment services.
What Does UFCP Do?
Founded in 1934 and headquartered in Lake Odessa, Michigan, Union Financial Corporation operates as the bank holding company for Union Bank. The bank provides a comprehensive suite of banking products and services tailored to individuals and businesses within Michigan. Its offerings include checking, savings, money market, and health savings accounts, alongside credit cards and certificates of deposit. Union Bank also provides lending solutions, such as home equity lines of credit, closed-end home equity loans, construction loans, business loans, agricultural loans, auto loans, personal loans, and mortgage services. Beyond traditional banking, Union Financial Corporation extends its services to personal investments, offering investments, educational savings plans, traditional and Roth IRAs, fixed and variable annuities, and mutual funds. The company also provides business planning services and life and long-term care insurance. This diversified approach allows Union Financial Corporation to serve as a comprehensive financial partner for its customers, focusing on building long-term relationships within its Michigan market. The company's commitment to its local community and personalized service differentiates it from larger national banks.
What Products and Services Does UFCP Offer?
- Provides checking, savings, and money market accounts.
- Offers credit cards and certificates of deposit.
- Provides home equity lines of credit and closed-end home equity loans.
- Offers construction, business, agricultural, auto, and personal loans.
- Provides mortgage services.
- Offers personal investment services, including investments, educational savings plans, and retirement accounts.
- Provides business planning services.
- Offers life and long-term care insurance services.
How Does UFCP Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other banking services.
- Provides personal investment services for fee income.
- Offers business planning services for a fee.
What Industry Does UFCP Operate In?
Union Financial Corporation operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is undergoing digital transformation, with customers increasingly demanding online and mobile banking solutions. Regional banks like Union Financial Corporation face the challenge of balancing traditional banking practices with the need to invest in technology and innovation. The competitive landscape includes larger national banks, credit unions, and online lenders. Union Financial Corporation's focus on personalized service and local market knowledge differentiates it within this competitive environment.
Who Are UFCP's Key Customers?
- Individuals in Michigan seeking banking and financial services.
- Small businesses in Michigan requiring loans and banking solutions.
- Farmers and agricultural businesses in Michigan.
- Individuals seeking personal investment and retirement planning services.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● Price is current
- ● No filing on record
- ● No analyst coverage
Company Profile
Union Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Grand Rapids, US. The company is led by CEO Cortney H. Collison. UFCP has traded publicly since 2020.
Financial Health
Union Financial Corporation's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.20 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
UFCP trades at a trailing price-to-earnings ratio of 8.10, below the Financial Services sector average of ~17.20x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 6.63 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 12.3%, the inverse of the P/E and a quick read on earnings relative to price.
UFCP Valuation & Market Position
With a $8.27M market cap, Union Financial Corporation sits in the micro-cap segment of the market.
UFCP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Established presence in Michigan.
- Diversified product and service offerings.
- Strong customer relationships.
- Experienced management team.
Bear Case
- Limited geographic reach.
- Smaller market capitalization compared to larger banks.
- Dependence on the Michigan economy.
- Lack of digital banking innovation.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
UFCP Latest News
No recent news available for UFCP.
UFCP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for UFCP.
Price Targets
Wall Street price target analysis for UFCP.
UFCP MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for UFCP; grades run from A+ (80-100) to F (below 30).
Leadership: Cortney H. Collison
CEO
Cortney H. Collison serves as the CEO of Union Financial Corporation. Information regarding Mr. Further research would be needed to provide a comprehensive background.
Track Record: Due to limited information, specific achievements, strategic decisions, and company milestones under Mr. Collison's leadership cannot be accurately assessed. Additional data is needed to evaluate his track record.
UFCP OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Union Financial Corporation may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, making it more difficult for investors to assess their financial health and performance compared to companies listed on major exchanges like the NYSE or NASDAQ. This tier often includes companies with limited operating history or those facing financial challenges.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry.
- Lower trading volume can lead to price volatility.
- Wider bid-ask spreads can increase transaction costs.
- Potential for fraud or manipulation is higher on the OTC market.
- OTC Other tier companies may face financial distress or operational challenges.
- Verify the company's registration and regulatory filings.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team and their track record.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before investing.
- Check for any legal or regulatory issues.
- Longevity of operations since 1934.
- Focus on traditional banking services.
- Operation as a bank holding company for Union Bank.
- Headquartered in Lake Odessa, Michigan.
UFCP Financials Stock FAQ
Is UFCP a good stock to buy?
Stock Expert AI does not rate UFCP buy, sell or hold. Union Financial Corporation has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns and what the price assumes. This is educational content, not investment advice.
What is the UFCP stock price today?
The last price recorded on this page for Union Financial Corporation (UFCP) is $2.51, as of the Oct 2, 2026 trading session. It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What are the main risks for UFCP?
Union Financial Corporation faces several risks inherent to the regional banking sector and its OTC listing. Competition from larger national banks and credit unions poses a constant threat.
What are the key factors to evaluate for UFCP?
Evaluate UFCP on fundamentals, analyst consensus, and risk factors. P/E: 8.10x. A key value driver is the company's established presence in its local market, fostering customer loyalty and stable deposit base. Not financial advice.
How frequently does UFCP data refresh on this page?
UFCP's price is the last quote we recorded, from the Oct 2, 2026 trading session. Pages are served from a cache, so the copy you are reading can lag that quote. The quote is a provider snapshot, not an exchange feed. Fundamentals follow quarterly filings. V2 is recalculated from the most recent completed US trading session; the score's own date shows its last successful run.
What has driven UFCP's recent stock price performance?
Union Financial Corporation (UFCP) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in Michigan. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider UFCP overvalued or undervalued right now?
Union Financial Corporation (UFCP) trades at 8.10x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research UFCP before investing?
Before investing in Union Financial Corporation (UFCP), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- Limited information available for CEO background and track record.
- OTC market data may be less reliable than exchange-listed data.