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University Bancorp (UNIB) Stock Price & Analysis

12 Followers

UNIB Stock Chart & Stats

$21.30-$0.07(-0.33%)
At close: 4:00 PM EST
$21.5$22$22.5Aug 7Aug 24Sep 8Sep 22Oct 5Oct 22Nov 2
Day’s Range
$21.30 - $21.30
52-Week Range
$15.96 - $24.61
Previous Close
$21.37
Volume
N/A
Average Volume (3M)
2,274
Market Cap
$110.47M
Enterprise Value
$142.09M
Total Cash (Recent Filing)
$0
Total Debt (Recent Filing)
$43.27M
Price to Earnings (P/E)
8.2
Beta
0.24
Next Earnings
Mar 31, 2027 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Oct 01, 2026
Dividend Yield
1.88%

Bulls Say, Bears Say

Bulls Say

Improved Leverage And Capital Base

A materially lower debt-to-equity ratio and a meaningful increase in equity strengthen the bank's loss-absorbing capacity and regulatory resilience. This durable capital improvement reduces balance-sheet risk, supports lending capacity and strategic flexibility over the next several quarters.

Consistent Recent Revenue Growth

Sustained top-line growth across multiple recent years indicates persistent customer demand and scalable core activities. Over a 2–6 month horizon this supports reinvestment, underwriting scale and the ability to offset cyclical pressure in specific lines like mortgage origination.

Diversified Bank And Mortgage Revenue Model

A dual revenue mix—core deposit/loan spread plus mortgage origination/servicing fees—reduces reliance on a single income stream. Structural diversification helps stabilize revenues across rate cycles and housing-volume swings, supporting more durable cash flow composition.

Bears Say

Sharp Deterioration In Cash Generation

A swing to sharply negative operating and free cash flow signals weakening cash conversion and heightens liquidity and execution risk. Over several months this can constrain loan growth, dividend sustainability and force reliance on external funding or deposit repricing.

Material Margin Compression

Sustained decline from double-digit to mid-single-digit net margins materially reduces earnings power and internal capital generation. If structural, compressed margins limit profitability resilience against credit cycles and reduce capacity for reinvestment or loss absorption.

Declining Returns On Equity

Lower ROE indicates the firm's equity base is producing less profit than in prior years. Persistently weaker returns reduce retained-earnings growth, pressure shareholder returns and may necessitate strategic shifts (cost cuts, capital redeployment) to restore long-term profitability.

University Bancorp News

UNIB FAQ

What was University Bancorp’s price range in the past 12 months?
University Bancorp lowest stock price was $15.96 and its highest was $24.61 in the past 12 months.
What is University Bancorp’s market cap?
University Bancorp’s market cap is $110.47M.
When is University Bancorp’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were University Bancorp’s earnings last quarter?
University Bancorp released its earnings results on Oct 22, 2026. The company reported $0.95 earnings per share for the quarter.
Is University Bancorp overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does University Bancorp pay dividends?
University Bancorp pays a Notavailable dividend of $0.1 which represents an annual dividend yield of 1.88%. See more information on University Bancorp dividends here
What is University Bancorp’s EPS estimate?
University Bancorp’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does University Bancorp have?
University Bancorp has 5,169,518 shares outstanding.
What happened to University Bancorp’s price movement after its last earnings report?
University Bancorp reported an EPS of $0.95 in its last earnings report. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of University Bancorp?
Currently, no hedge funds are holding shares in UNIB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology