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Unico American

Nasdaq:UNAM
Snowflake Description

Excellent balance sheet and overvalued.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
UNAM
Nasdaq
$34M
Market Cap
  1. Home
  2. US
  3. Insurance
Company description

Unico American Corporation, through its subsidiaries, underwrites property and casualty insurance in Arizona, California, Nevada, Oregon, and Washington. The last earnings update was 90 days ago. More info.


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UNAM Share Price and Events
7 Day Returns
-2%
NasdaqGM:UNAM
1.5%
US Insurance
0.3%
US Market
1 Year Returns
-5.1%
NasdaqGM:UNAM
14%
US Insurance
12.5%
US Market
UNAM Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Unico American (UNAM) -2% -8% 10.8% -5.1% -38.4% -44.5%
US Insurance 1.5% 1.4% 1.3% 14% 27.1% 46.6%
US Market 0.3% 4.1% 5.6% 12.5% 39.4% 44.7%
1 Year Return vs Industry and Market
  • UNAM underperformed the Insurance industry which returned 14% over the past year.
  • UNAM underperformed the Market in United States of America which returned 12.5% over the past year.
Price Volatility
UNAM
Industry
5yr Volatility vs Market

UNAM Value

 Is Unico American undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for Unico American. This is due to cash flow or dividend data being unavailable. The share price is $6.47.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Unico American's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Unico American's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGM:UNAM PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-06-30) in USD $-0.39
NasdaqGM:UNAM Share Price ** NasdaqGM (2019-11-08) in USD $6.47
United States of America Insurance Industry PE Ratio Median Figure of 89 Publicly-Listed Insurance Companies 16.78x
United States of America Market PE Ratio Median Figure of 2,922 Publicly-Listed Companies 18.25x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Unico American.

NasdaqGM:UNAM PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGM:UNAM Share Price ÷ EPS (both in USD)

= 6.47 ÷ -0.39

-16.52x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unico American is loss making, we can't compare its value to the US Insurance industry average.
  • Unico American is loss making, we can't compare the value of its earnings to the United States of America market.
Price based on expected Growth
Does Unico American's expected growth come at a high price?
Raw Data
NasdaqGM:UNAM PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -16.52x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
United States of America Insurance Industry PEG Ratio Median Figure of 61 Publicly-Listed Insurance Companies 0.95x
United States of America Market PEG Ratio Median Figure of 2,023 Publicly-Listed Companies 1.46x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Unico American, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Unico American's assets?
Raw Data
NasdaqGM:UNAM PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-06-30) in USD $10.72
NasdaqGM:UNAM Share Price * NasdaqGM (2019-11-08) in USD $6.47
United States of America Insurance Industry PB Ratio Median Figure of 117 Publicly-Listed Insurance Companies 1.17x
United States of America Market PB Ratio Median Figure of 5,066 Publicly-Listed Companies 1.74x
NasdaqGM:UNAM PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGM:UNAM Share Price ÷ Book Value per Share (both in USD)

= 6.47 ÷ 10.72

0.6x

* Primary Listing of Unico American.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unico American is good value based on assets compared to the US Insurance industry average.
X
Value checks
We assess Unico American's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Insurance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Insurance industry average (and greater than 0)? (1 check)
  5. Unico American has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

UNAM Future Performance

 How is Unico American expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Unico American has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
5.9%
Expected Insurance industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Unico American expected to grow at an attractive rate?
  • Unable to compare Unico American's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare Unico American's earnings growth to the United States of America market average as no estimate data is available.
  • Unable to compare Unico American's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
NasdaqGM:UNAM Future Growth Rates Data Sources
Data Point Source Value (per year)
United States of America Insurance Industry Earnings Growth Rate Market Cap Weighted Average 5.9%
United States of America Insurance Industry Revenue Growth Rate Market Cap Weighted Average 3.1%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.2%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.2%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGM:UNAM Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGM:UNAM Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-06-30 31 -4 -2
2019-03-31 32 -4 -2
2018-12-31 34 -2 -3
2018-09-30 35 -3 -5
2018-06-30 36 -7 -8
2018-03-31 37 -8 -9
2017-12-31 37 -7 -9
2017-09-30 37 -8 -5
2017-06-30 36 -5 -4
2017-03-31 36 -2 -3
2016-12-31 35 -1 -1
2016-09-30 35 0 -2

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if Unico American is high growth as no earnings estimate data is available.
  • Unable to determine if Unico American is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGM:UNAM Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Unico American Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:UNAM Past Financials Data
Date (Data in USD Millions) EPS *
2019-06-30 -0.39
2019-03-31 -0.31
2018-12-31 -0.60
2018-09-30 -1.03
2018-06-30 -1.46
2018-03-31 -1.66
2017-12-31 -1.64
2017-09-30 -1.01
2017-06-30 -0.83
2017-03-31 -0.63
2016-12-31 -0.26
2016-09-30 -0.42

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Unico American will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Examine Unico American's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
  2. Unico American's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Insurance companies here
  3. Unico American's competitive advantages and company strategy can generally be found in its financial reports archived here.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess Unico American's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Unico American has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

UNAM Past Performance

  How has Unico American performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Unico American's growth in the last year to its industry (Insurance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Unico American does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
  • Unable to compare Unico American's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare Unico American's 1-year growth to the US Insurance industry average as it is not currently profitable.
Earnings and Revenue History
Unico American's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Unico American Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:UNAM Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-06-30 31.09 -2.08 4.22
2019-03-31 31.94 -1.63 4.33
2018-12-31 33.61 -3.17 4.59
2018-09-30 34.91 -5.48 4.87
2018-06-30 36.04 -7.73 4.94
2018-03-31 36.64 -8.78 5.78
2017-12-31 36.79 -8.72 5.84
2017-09-30 36.51 -5.35 5.48
2017-06-30 36.22 -4.39 5.58
2017-03-31 35.70 -3.35 4.89
2016-12-31 35.27 -1.40 4.93
2016-09-30 34.92 -2.25 5.16
2016-06-30 34.37 -0.95 5.10
2016-03-31 33.96 -0.99 4.99
2015-12-31 33.26 -1.18 4.85
2015-09-30 32.24 -0.98 4.88
2015-06-30 31.55 -0.30 4.85
2015-03-31 30.86 -0.14 4.96
2014-12-31 30.47 0.85 4.99
2014-09-30 30.56 1.61 5.01
2014-06-30 30.48 1.21 5.01
2014-03-31 30.62 1.19 5.03
2013-12-31 31.13 0.60 5.01
2013-09-30 31.32 0.44 5.04
2013-06-30 31.87 1.56 5.06
2013-03-31 32.37 1.46 5.08
2012-12-31 32.76 1.95 5.18

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if Unico American has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if Unico American has efficiently used its assets last year compared to the US Insurance industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if Unico American improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Unico American's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Insurance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Unico American has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

UNAM Health

 How is Unico American's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Unico American's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Unico American's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
  • Unico American has no long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Unico American's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Unico American has no debt, it does not need to be covered by short term assets.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Unico American Company Filings, last reported 4 months ago.

NasdaqGM:UNAM Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-06-30 56.91 0.00 5.79
2019-03-31 56.22 0.00 4.34
2018-12-31 55.92 0.00 9.61
2018-09-30 55.89 0.00 4.61
2018-06-30 56.77 0.00 8.04
2018-03-31 56.84 0.00 6.27
2017-12-31 59.95 0.00 11.21
2017-09-30 62.95 0.00 13.31
2017-06-30 65.87 0.00 5.30
2017-03-31 66.76 0.00 22.03
2016-12-31 68.91 0.00 10.33
2016-09-30 68.32 0.00 9.39
2016-06-30 70.28 0.00 7.35
2016-03-31 70.12 0.00 11.62
2015-12-31 70.34 0.00 15.98
2015-09-30 70.80 0.00 38.65
2015-06-30 71.52 0.00 51.98
2015-03-31 71.44 0.00 62.26
2014-12-31 71.78 0.00 72.57
2014-09-30 71.82 0.00 78.96
2014-06-30 71.78 0.00 95.62
2014-03-31 71.50 0.00 94.66
2013-12-31 70.90 0.00 94.18
2013-09-30 70.18 0.00 93.49
2013-06-30 70.57 0.00 94.71
2013-03-31 70.36 0.00 93.51
2012-12-31 70.40 0.00 86.42
  • Unico American has no debt.
  • Unico American has not taken on any debt in the past 5 years.
CASH RUNWAY ANALYSIS

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

  • Unico American has sufficient cash runway for 1.4 years based on current free cash flow.
  • Unico American has sufficient cash runway for 1.3 years if free cash flow continues to grow at historical rates of 27.5% each year.
X
Financial health checks
We assess Unico American's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Unico American has a total score of 5/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

UNAM Dividends

 What is Unico American's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Unico American dividends.
If you bought $2,000 of Unico American shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Unico American's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Unico American's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGM:UNAM Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Insurance Industry Average Dividend Yield Market Cap Weighted Average of 78 Stocks 2.3%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 1948 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGM:UNAM Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2015-03-30 0.000 0.000
2014-11-10 0.000 0.000
2014-08-13 0.000 0.000
2014-08-12 0.000 0.000
2014-05-16 0.000 0.000
2014-05-13 0.000 0.000
2014-03-28 0.000 0.000
2012-11-16 1.200 9.466
2012-11-14 0.400 3.073
2012-11-12 0.400 3.026
2012-03-27 0.200 1.872
2011-11-08 0.000 0.000
2010-12-07 0.360 3.609
2010-03-30 0.180 1.932
2010-03-29 0.180 1.872
2009-11-10 0.180 1.883
2009-08-13 0.180 1.879
2009-08-11 0.180 2.001
2009-03-25 0.180 2.307

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Unico American has not reported any payouts.
  • Unable to verify if Unico American's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Unico American's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Unico American has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Unico American's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Unico American afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Unico American has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

UNAM Management

 What is the CEO of Unico American's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Cary Cheldin
COMPENSATION $357,382
AGE 62
TENURE AS CEO 10.6 years
CEO Bio

Mr. Cary Louis Cheldin serves as President and Director of Crusader Insurance Company. Mr. Cheldin has been Chairman, Chief Executive Officer and President at Unico American Corp. since April 1, 2009. Mr. Cheldin served as an Executive Vice President of Unico American Corp. from 1991 to 2009. He served as Vice President of Unico American Corp. from 1986 to 1991 and it’s Secretary from 1987 to 1991. He has been a Director of Unico American Corp. since 1983. He started his insurance career as a retail sales representative and he has vast experience with underwriting and claims administration. He serves on various professional and community boards, including his position as Chairman for the Association of California Insurance Companies. He has been a Director of the Association of California Insurance Companies since 2003. He holds a degree in biological sciences from the University of California at Davis in 1978 and he holds a master's degree in business administration from the California State University at Dominguez Hills in 1980.

CEO Compensation
  • Cary's compensation has increased whilst company is loss making.
  • Cary's remuneration is about average for companies of similar size in United States of America.
Management Team

Cary Cheldin

TITLE
Chairman
COMPENSATION
$357K
AGE
62
TENURE
10.6 yrs

Michael Budnitsky

TITLE
CFO, Treasurer
COMPENSATION
$273K
AGE
44
TENURE
3.3 yrs
Board of Directors Tenure

Average tenure and age of the Unico American board of directors in years:

3.4
Average Tenure
64.5
Average Age
  • The tenure for the Unico American board of directors is about average.
Board of Directors

Michael Budnitsky

TITLE
CFO, Treasurer
COMPENSATION
$273K
AGE
44
TENURE
2.3 yrs

David Russell

TITLE
Independent Director
COMPENSATION
$9K
AGE
52
TENURE
4.5 yrs

Cary Cheldin

TITLE
Chairman
COMPENSATION
$357K
AGE
62
TENURE
10.6 yrs

Erwin Cheldin

TITLE
Director
COMPENSATION
$9K
AGE
87
TENURE
50.8 yrs

Samuel Sorich

TITLE
Independent Director
COMPENSATION
$9K
AGE
73
TENURE
7.5 yrs

Andrew Furgatch

TITLE
Independent Director
COMPENSATION
$6K
AGE
57
TENURE
1.5 yrs

Ernest Wish

TITLE
Independent Director
COMPENSATION
$6K
AGE
67
TENURE
1.5 yrs

Jan Frank

TITLE
Independent Director
AGE
67
TENURE
0.5 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
26. Sep 19 Buy Ambina Partners LLC Company 16. Sep 19 16. Sep 19 17,099 $5.85 $100,029
14. Jun 19 Buy David Russell Individual 12. Jun 19 12. Jun 19 1 $5.99 $6
26. Dec 18 Buy Ambina Partners LLC Company 13. Dec 18 20. Dec 18 152,411 $6.00 $914,466
14. Dec 18 Buy Michael Budnitsky Individual 13. Dec 18 13. Dec 18 1,950 $6.12 $11,646
14. Dec 18 Buy David Russell Individual 13. Dec 18 13. Dec 18 700 $5.82 $4,074
13. Dec 18 Buy Michael Budnitsky Individual 12. Dec 18 12. Dec 18 200 $6.20 $1,220
12. Dec 18 Buy David Russell Individual 12. Dec 18 12. Dec 18 999 $5.85 $5,844
07. Dec 18 Buy Michael Budnitsky Individual 07. Dec 18 07. Dec 18 100 $6.20 $620
07. Dec 18 Buy Cary Cheldin Individual 06. Dec 18 06. Dec 18 1 $6.17 $6
06. Dec 18 Buy Cary Cheldin Individual 04. Dec 18 04. Dec 18 100 $6.17 $617
03. Dec 18 Buy Cary Cheldin Individual 01. Dec 18 01. Dec 18 190 $6.25 $1,188
03. Dec 18 Buy Cary Cheldin Individual 01. Dec 18 01. Dec 18 631 $6.18 $3,858
30. Nov 18 Buy David Russell Individual 30. Nov 18 30. Nov 18 810 $5.91 $4,787
30. Nov 18 Buy Michael Budnitsky Individual 30. Nov 18 30. Nov 18 674 $6.00 $4,044
27. Nov 18 Buy Michael Budnitsky Individual 27. Nov 18 27. Nov 18 245 $5.75 $1,409
26. Nov 18 Buy David Russell Individual 21. Nov 18 21. Nov 18 900 $5.71 $5,139
20. Nov 18 Buy Michael Budnitsky Individual 20. Nov 18 20. Nov 18 1,000 $5.99 $5,927
20. Nov 18 Buy David Russell Individual 20. Nov 18 20. Nov 18 1,100 $5.76 $6,311
X
Management checks
We assess Unico American's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Unico American has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

UNAM News

Simply Wall St News

Does Unico American Corporation's (NASDAQ:UNAM) CEO Salary Compare Well With Others?

See our latest analysis for Unico American How Does Cary Cheldin's Compensation Compare With Similar Sized Companies? … At the time of writing our data says that Unico American Corporation has a market cap of US$31m, and is paying total annual CEO compensation of US$357k. … With a three year total loss of 49%, Unico American Corporation would certainly have some dissatisfied shareholders.

Simply Wall St -

Can We See Significant Insider Ownership On The Unico American Corporation (NASDAQ:UNAM) Share Register?

As Nassim Nicholas Taleb said, 'Don’t tell me what you think, tell me what you have in your portfolio.' With a market capitalization of US$32m, Unico American is a small cap stock, so it might not be well known by many institutional investors. … See our latest analysis for Unico American NasdaqGM:UNAM Ownership Summary, July 19th 2019 What Does The Institutional Ownership Tell Us About Unico American? … But other times, private equity is selling out, having taking the company public.

Simply Wall St -

Some Unico American (NASDAQ:UNAM) Shareholders Have Copped A Big 53% Share Price Drop

View our latest analysis for Unico American Given that Unico American didn't make a profit in the last twelve months, we'll focus on revenue growth to form a quick view of its business development. … In the last half decade, Unico American saw its revenue increase by 3.2% per year. … We'd want to see proof that future revenue growth is likely to be significantly stronger before getting too interested in Unico American.

Simply Wall St -

Is Unico American Corporation's (NASDAQ:UNAM) CEO Pay Justified?

This report will, first, examine the CEO compensation levels in comparison to CEO compensation at companies of similar size. … How Does Cary Cheldin's Compensation Compare With Similar Sized Companies. … Our data indicates that Unico American Corporation is worth US$32m, and total annual CEO compensation is US$357k.

Simply Wall St -

The Unico American Share Price Is Down 57% So Some Shareholders Are Wishing They Sold

For example, after five long years the Unico American Corporation (NASDAQ:UNAM) share price is a whole 57% lower. … Unico American isn't a profitable company, so it is unlikely we'll see a strong correlation between its share price and its earnings per share (EPS). … We'd want to see proof that future revenue growth is likely to be significantly stronger before getting too interested in Unico American.

Simply Wall St -

Is Unico American Corporation (NASDAQ:UNAM) Excessively Paying Its CEO?

How Does Cary Cheldin's Compensation Compare With Similar Sized Companies. … Our data indicates that Unico American Corporation is worth US$32m, and total annual CEO compensation is US$379k. … We examined a group of similar sized companies, with market capitalizations of below US$200m

Simply Wall St -

Do Insiders Own Shares In Unico American Corporation (NASDAQ:UNAM)?

If you want to know who really controls Unico American Corporation (NASDAQ:UNAM), then you'll have to look at the makeup of its share registry. … With a market capitalization of US$36m, Unico American is a small cap stock, so it might not be well known by many institutional investors. … Let's take a closer look to see what the different types of shareholder can tell us about UNAM

Simply Wall St -

Is Unico American Corporation's (NASDAQ:UNAM) CEO Paid Enough Relative To Peers?

Cary Cheldin took the reins as CEO of Unico American Corporation's (NASDAQ:UNAM) and grew market cap to US$42.72m recently. … Understanding how CEOs are incentivised to run and grow their company is an important aspect of investing in a stock. … See our latest analysis for Unico American

Simply Wall St -

Is Unico American Corporation's (NASDAQ:UNAM) CEO Paid Enough Relative To Peers?

Over the last year UNAM produced negative earnings of -US$8.78M , which is a further decline from prior year's loss of -US$3.35M. … Though one size does not fit all, as compensation should account for specific factors of the company and market, we can evaluate a high-level yardstick to see if UNAM is an outlier. … Typically I would look at market cap and earnings as a proxy for performance, however, UNAM's negative earnings lower the usefulness of my formula.

Simply Wall St -

Why Unico American Corporation's (NASDAQ:UNAM) Investor Composition Impacts Your Returns

General Public Ownership The general public holds a substantial 21.93% stake in UNAM, making it a highly popular stock among retail investors. … This level of ownership gives retail investors the power to sway key policy decisions such as board composition, executive compensation, and potential acquisitions. … Next Steps: I suggest investors seek some degree of margin of safety due to high institutional ownership in UNAM, in particular due to the strong presence of active hedge fund investors.

Simply Wall St -

UNAM Company Info

Description

Unico American Corporation, through its subsidiaries, underwrites property and casualty insurance in Arizona, California, Nevada, Oregon, and Washington. It provides property, casualty, health, and life insurance products, as well as insurance premium financing and membership association services. The company’s commercial property coverage insures against loss or damage to buildings, inventory, and equipment from natural disasters, including hurricanes, windstorms, hail, water, explosions, and severe winter weather, as well as other events, such as theft and vandalism, fires, storms, and financial loss due to business interruption resulting from covered property damage. It also provides commercial liability coverage that insures against third party liability from accidents occurring on the insured’s premises or arising out of its operation; and writes policies to insure commercial property and commercial liability risks on a mono-line basis. In addition, the company offers group dental and vision insurance policies, as well as health and life insurance for individuals and groups. Unico American Corporation markets its insurance products primarily through a network of independent brokers and agents. The company was founded in 1969 and is headquartered in Calabasas, California.

Details
Name: Unico American Corporation
UNAM
Exchange: NasdaqGM
Founded: 1969
$34,334,653
5,306,747
Website: http://www.crusaderinsurance.com
Address: Unico American Corporation
26050 Mureau Road,
Calabasas,
California, 91302,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGM UNAM Common Stock Nasdaq Global Market US USD 02. Jan 1980
Number of employees
Current staff
Staff numbers
76
Unico American employees.
Industry
Property and Casualty Insurance
Insurance
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/11/12 23:39
End of day share price update: 2019/11/08 00:00
Last earnings filing: 2019/08/14
Last earnings reported: 2019/06/30
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.