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UNIB Stock Chart & Stats
$22.38
-$0.25(-1.10%)
At close: 4:00 PM EDT
$22.38
-$0.25(-1.10%)
Day’s Range― - ―
52-Week Range$15.60 - $24.61
Previous CloseN/A
Volume611.00
Average Volume (3M)318.00
Market Cap
$114.25M
Enterprise Value$142.09
Total Cash (Recent Filing)$0.00
Total Debt (Recent Filing)$43.27M
Price to Earnings (P/E)8.5
Beta0.25
Next Earnings
Nov 06, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.81%
Share Statistics
EPS (TTM)1.93
Shares Outstanding5,169,518
10 Day Avg. Volume40
30 Day Avg. Volume318
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
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 BaseA 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 GrowthSustained 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 ModelA 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 GenerationA 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 CompressionSustained 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 EquityLower 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.
UNIB FAQ
What was University Bancorp’s price range in the past 12 months?
University Bancorp lowest stock price was $15.60 and its highest was $24.61 in the past 12 months.
What is University Bancorp’s market cap?
University Bancorp’s market cap is $114.25M.
When is University Bancorp’s upcoming earnings report date?
University Bancorp’s upcoming earnings report date is Nov 06, 2026 which is in 46 days.
How were University Bancorp’s earnings last quarter?
University Bancorp released its earnings results on Aug 18, 2025. The company reported $0.659 earnings per share for the quarter.
Is University Bancorp overvalued?
According to Wall Street analysts University Bancorp’s price is currently Overvalued.
Does University Bancorp pay dividends?
University Bancorp pays a Semiannually dividend of $0.1 which represents an annual dividend yield of 1.81%. 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 $0.659 in its last earnings report. Following the earnings report the stock price went down -1.875%.
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.
Technical Analysis
Ownership Overview
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Insiders
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Mutual Funds
0.76% Other Institutional Investors
99.24% Public Companies and
Individual Investors