Stock fact sheet · data as of
Union Financial Corporation (UFCP): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is UFCP undervalued?
At 2.51 (close of 16 Oct 2026), UFCP trades 49% over the GLS average fair value of 1.69, with 2 of 7 models above the price. The stock earns none of the Wheel Score's Value points at this price. That is a statement about price against trailing fundamentals, not about the company's prospects - the Wall Street View and the Growth tab on the Quote page carry the forward numbers.
The 7 models disagree widely: Payback Time gives 0.0081 while Graham Growth gives 4.98. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files UFCP under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for UFCP
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 0.1979 | -92% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 4.98 | +99% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 1.24 | -51% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 0.9042 | -64% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 1.04 | -58% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 0.0081 | -100% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 3.43 | +37% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -0.0846 | -103% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: UFCP passes 4 of the nine Piotroski tests. Our screens drop the stock at the health rule; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is 5.0 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are high - ROIC 3140.1%, ROE 5482.8%, ROA 300.0% - with debt at 0.75 times equity and a free-cash-flow yield of 0.0%.
Union Financial Corporation pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 3140.1% |
|---|---|---|---|
| GLS Moat | 5.0 / 10 | ROE | 5482.8% |
| Debt / equity | 0.75 | ROA | 300.0% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 22: No options
UFCP has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (22 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $8M, with a beta of 0.24 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 0 / 25 | -49% margin of safety | |
| Health | 9 / 20 | Piotroski 4/9 | |
| Moat | 8 / 15 | moat 5.0/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $8M cap, beta 0.24 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for UFCP in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Union Financial Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| FCPB First Capital Bancshares, Inc. | 14.33 | 56.75 | +75% | 39No options | $8M |
| CARV Carver Bancorp, Inc. | 1.75 | - | - | 27No options | $9M |
| SBNY Signature Bank | 0.1200 | 576.77 | +100% | 39No options | $8M |
| LBNW Liberty Northwest Bancorp, Inc. | 6.00 | 17.57 | +66% | 38No options | $10M |
| LWCL Lewis & Clark Bancorp | 9.60 | 80.71 | +88% | 39No options | $10M |
| FNFI First Niles Financial, Inc. | 9.25 | 20.45 | +55% | 39No options | $10M |
| FSGB 1st Federal Savings Bank of SC, Inc. | 10.57 | 14.85 | +29% | 39No options | $11M |
| WCFB WCF Bancorp, Inc. | 6.11 | 0.7357 | -730% | 22No options | $11M |
| VERF Versailles Financial Corporation | 27.25 | 30.76 | +11% | 39No options | $12M |
| USMT US Metro Bancorp, Inc. | 6.05 | 5.26 | -15% | 29No options | $12M |
| SRNN The Southern Banc Company, Inc. | 16.50 | 31.93 | +48% | 39No options | $13M |
| ASCN Absecon Bancorp | 121.00 | 159.73 | +24% | 39No options | $13M |
⚖ Compare UFCP with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about UFCP
Is UFCP undervalued right now?
No: at 2.51 the stock trades 49% above the GLS average fair value of 1.69 (data as of 16 Oct 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of UFCP and what does it mean?
UFCP has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for UFCP?
1.69 per share as of 16 Oct 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Union Financial Corporation report earnings next?
No upcoming earnings date is recorded for UFCP in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does UFCP have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on UFCP, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.