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University Bancorp (UNIB) Price & Analysis

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UNIB Stock Chart & Stats

$22.50

$0.50(2.25%)

At close: Jul 31 4:00 PM EDT

$22.50

$0.50(2.25%)

Day’s Range― - ―

52-Week Range$15.50 - $24.61

Previous CloseN/A

Volume250.00

Average Volume (3M)290.00

Market Cap

$118.32M

Enterprise Value$196.98M

Total Cash (Recent Filing)$0.00

Total Debt (Recent Filing)$43.27M

Price to Earnings (P/E)7.6

Beta0.19

Next Earnings

Nov 06, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield1.76%

Share Statistics

EPS (TTM)2.28

Shares Outstanding5,200,899

10 Day Avg. Volume419

30 Day Avg. Volume290

Financial Highlights & Ratios

PEG Ratio-0.72

Price to Book (P/B)0.80

Price to Sales (P/S)0.73

P/FCF Ratio-2.67

Enterprise Value/Market Cap1.66

Enterprise Value/Revenue16.64

Enterprise Value/Gross Profit16.64

Enterprise Value/EbitdaN/A

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Improved Leverage And Capital BaseDebt-to-equity falling to ~0.88 and a meaningful equity increase in 2025 indicate a stronger capital base and lower financial risk. This durable improvement supports lending capacity and regulatory resilience, reducing solvency risk and enabling strategic flexibility over the medium term.

Consistent Recent Revenue GrowthSustained positive revenue growth across 2023–2025 suggests stable demand for core banking products and expanding customer activity. Persistent top-line momentum provides a base for margin recovery and investment in digital/branch capabilities, supporting earnings durability over several quarters.

Stable Community-banking Business ModelA traditional deposit-taking and lending model with fee income and diversified bank revenue sources remains structurally stable. Dependable interest spread and fee streams from community banking, plus branch and digital channels, support predictable core earnings over a multi-quarter horizon.

Bears Say

Sharp Deterioration In Cash GenerationThe swing to negative operating and free cash flow in 2025 signals weaker cash conversion and higher liquidity risk. Reduced internal cash generation constrains funding for loans, dividends, or strategic initiatives and increases dependency on external financing over the medium term.

Material Compression Of Profitability And MarginsA multi-year decline from 20%+ net margins to mid-single-digits represents sustained margin pressure. Unless structural cost or revenue drivers change, lower margins reduce free cash flow and return potential, making it harder to rebuild capital buffers or finance growth without higher risk-taking.

Weakened Shareholder Returns (lower ROE)ROE slipping to ~7% from prior double-digit levels reflects reduced efficiency in converting equity into earnings. Persistently lower ROE can limit investor returns and signal structural challenges in restoring pre-pandemic profitability, affecting capital allocation and investor confidence long term.

UNIB FAQ

What was University Bancorp’s price range in the past 12 months?

University Bancorp lowest stock price was $15.50 and its highest was $24.61 in the past 12 months.

What is University Bancorp’s market cap?

University Bancorp’s market cap is $118.32M.

When is University Bancorp’s upcoming earnings report date?

University Bancorp’s upcoming earnings report date is Nov 06, 2026 which is in 96 days.

How were University Bancorp’s earnings last quarter?

Currently, no data Available

Is University Bancorp overvalued?

According to Wall Street analysts University Bancorp’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does University Bancorp pay dividends?

University Bancorp pays a Notavailable dividend of $0.1 which represents an annual dividend yield of 1.76%. 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 5,200,899 shares outstanding.

What happened to University Bancorp’s price movement after its last earnings report?

Currently, no data Available

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

Company Description

University Bancorp

University Bancorp, Inc., established in 1890 and headquartered in Ann Arbor, Michigan, functions as the holding company for University Bank. This entity delivers a wide array of financial and banking solutions across the United States, serving personal, commercial, and community needs. Its product portfolio includes various deposit account options, such as checking, NOW, savings, money market, time deposit, and certificates of deposit (CDs). For individuals, the company facilitates loans including home equity, short-term, automobile, personal, and recreational vehicle financing, along with home equity lines of credit. Businesses and non-profit groups can access commercial real estate loans, equipment financing, small business loans, and working capital lines of credit. Additionally, the company offers an assortment of supplementary services like foreign currency exchange, comprehensive online banking with bill payment functionalities, convenient online check reordering, wire transfers, courier services, and access to credit cards and ATMs. Clients can also secure various insurance coverages, including life, health, property, and casualty policies, alongside investment products such as annuities.