United-Guardian Inc. (UG) — RQD Stock Rating Cockpit

Per the Roarable RQD rating, UG scores 61 out of 100, a letter grade of C- with the verdict "Roarable Hold — Cautious Neutral." The five pillars are:

• Fundamental Cash Engine: 15 / 20. Per the Roarable RQD rating, this pillar reflects ROIC of 17.8% and an FCF yield of 6.24%. Strong capital efficiency is a notable upside driver, but the score is held back by the small reported earnings base in the SEC financials.
• Whale 13F Flow: 5 / 20. Per the Roarable RQD rating, this is the weakest pillar and covers institutional accumulation and options positioning. A low score here indicates limited evidence of large-holder conviction in the source data.
• Insider Conviction: 17 / 20. Per the Roarable RQD rating, this is the strongest pillar, reflecting SEC Form 4 and Congressional PTR cluster flow. Insider-side activity is the most supportive element of the rating.
• Macro Regime Fit: 11 / 20. Per the Roarable RQD rating, beta is 1.0 and sector sensitivity is noted. The stock is assessed as moving in line with the broader market rather than offering a defensive or asymmetric profile.
• Forensic Balance Sheet: 13 / 20. Per the Roarable RQD rating, Altman Z is 2.5, Piotroski F is 4/9, and Debt/Equity is 0.5. These metrics indicate a moderate, not pristine, financial-health posture.

For a prospective investor evaluating the stock today, the rating points to a mixed picture: capital efficiency and insider activity are supportive, while institutional flow and macro fit are weaker. A "Hold — Cautious Neutral" verdict implies the data does not support a strong directional thesis in either direction. Valuation (P/E of 14.5 TTM, 13.5 forward) and a 9.04% dividend yield are the primary upside considerations, while the very small market capitalization and zero reported margins are the main reasons for caution. This is an educational reading of the source data, not personalized financial advice.

Per the SEC financials, operating income and net income declined from FY 2023 to FY 2025, and free cash flow fell from $3.1M to $1.9M over the same span. Per the market data, gross, operating, and net margins are each reported as 0%, which is inconsistent with the non-zero operating and net income shown and cannot be resolved from the source data. ROIC is 17.8% per the market data and the Roarable RQD rating. Per the Roarable RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 4/9, and Debt/Equity is 0.5, indicating a moderate balance sheet posture.

Per the recent news feed, all six items relate to UG, are flagged YELLOW, and are categorized as market wire. The items are generic market-coverage pieces: a TradingView estimates report, a Yahoo! Finance seasonal chart for a different company (GROV), a report on shares slipping 0.29% to $6.82 with an overbought signal alert, a Stock Traders Daily tactical trading piece, a Stock Titan page for a different company (ATTT), and a TradingKey stock list. None describes a specific corporate event, earnings release, or product catalyst. Per the Butterfly Supply-Chain Graph, the supply chain is recorded as NONE, with no butterfly links and no proprietary signals.

Risk watch items: The news feed contains no substantive catalyst. Two items reference unrelated tickers, which reduces their informational value for UG. The 52-week range and recent price movement are the only price-context data available.

• Reported gross, operating, and net margins are all shown as 0% while operating and net income are positive. Which figure is correct, and how are margins calculated?
• Revenue is reported as $0.0M in every period, and EPS and debt are N/A. What is the company's actual revenue base and capital structure?
• Which products and customers generate the reported income, and what drives the decline from FY 2023 to FY 2025?
• What are the holdings of institutional 13F filers and the specific SEC Form 4 and Congressional transactions underlying the insider and whale pillar scores?
• Why do the Roarable RQD pillar scores sum to 61 when the stated component values are provided but the methodology for weighting them is not?