United-Guardian Inc. Common Stock (UG)

FairStock Score: 79/100 — HIGH CONVICTION

Key Financials

Strengths

• Generates $845,767 in annual free cash flow (2.7% yield on market cap)
• Strong Piotroski F-Score of 7/9 indicating robust financial health across profitability, leverage, and efficiency metrics
• Solid return on equity of 18.2% above cost of capital
• Altman Z-Score of 12.5 confirms minimal bankruptcy risk and strong solvency
• Revenue growth of 19.6% demonstrates strong top-line momentum

AI Analysis

United-Guardian Inc. Common Stock is a micro-cap consumer defensive company valued at $31 million. Revenue stands at $11 million. From a quality standpoint, United-Guardian shows solid Piotroski F-Score of 7/9 and Altman Z-Score of 12.5 confirms fortress-level solvency. On valuation, the stock is attractively valued at 13.8x earnings, with trades above its Graham Number with a negative 27% margin. Growth dynamics show revenue growing at 19.6% and profit growth of 28.9%. The 7.3% dividend yield adds an income component for patient holders. Our composite FairStock Score of 79/100 reflects strong fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.

Bull Case

United-Guardian's 20% revenue growth trajectory could accelerate as it captures additional market share in the consumer defensive sector. With $845,767 in annual free cash flow (2.7% yield), management has ample capital for buybacks, dividends, or accretive acquisitions.

Bear Case

Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the consumer defensive space. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer