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University Bancorp (UNIB)
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UNIB
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University Bancorp (UNIB) Ratios

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University Bancorp Ratios

UNIB's free cash flow for Q1 2026 was $1.00. For the 2026 fiscal year, UNIB's free cash flow was decreased by $ and operating cash flow was $0.00. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 42.36 0.07 0.06 51.92
Quick Ratio
 0.00 42.36 0.07 0.06 103.81
Cash Ratio
 0.00 36.31 0.04 0.04 43.77
Solvency Ratio
 0.34 0.01 0.01 <0.01 <0.01
Operating Cash Flow Ratio
 0.00 -48.17 0.03 <0.01 25.73
Short-Term Operating Cash Flow Coverage
 0.00 -48.17 0.00 5.23 61.08
Net Current Asset Value
$ -44.84M$ -978.18M$ -823.87M$ -795.62M$ -604.68M
Leverage Ratios
Debt-to-Assets Ratio
 0.24 0.10 0.14 0.15 0.08
Debt-to-Equity Ratio
 0.33 0.88 1.45 1.68 0.86
Debt-to-Capital Ratio
 0.25 0.47 0.59 0.63 0.46
Long-Term Debt-to-Capital Ratio
 0.25 0.46 0.59 0.62 0.45
Financial Leverage Ratio
 1.34 9.17 10.47 11.09 10.09
Debt Service Coverage Ratio
 0.00 0.45 0.64 0.49 2.30
Interest Coverage Ratio
 0.00 0.50 0.69 0.55 2.92
Debt to Market Cap
 0.39 1.08 1.55 1.85 0.78
Interest Debt Per Share
 6.68 26.16 30.37 31.99 14.07
Net Debt to EBITDA
 5.03 6.08 6.50 10.79 -2.53
Profitability Margins
Gross Profit Margin
89.71%82.48%81.99%82.94%97.97%
EBIT Margin
10.30%8.93%12.01%8.86%6.04%
EBITDA Margin
10.30%9.94%13.47%10.53%8.19%
Operating Profit Margin
34.95%8.93%12.01%8.86%6.04%
Pretax Profit Margin
34.88%8.93%12.01%8.86%6.04%
Net Profit Margin
32.70%6.56%8.62%5.30%4.29%
Continuous Operations Profit Margin
33.50%7.25%9.73%6.64%4.77%
Net Income Per EBT
93.73%73.45%71.79%59.83%71.07%
EBT Per EBIT
99.81%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
8.55%0.79%1.07%0.58%0.48%
Return on Equity (ROE)
12.59%7.20%11.18%6.46%4.82%
Return on Capital Employed (ROCE)
9.14%1.07%5.76%3.67%0.67%
Return on Invested Capital (ROIC)
8.36%0.87%4.67%2.74%2.50%
Return on Tangible Assets
8.55%0.79%1.12%0.61%0.50%
Earnings Yield
11.08%9.00%12.27%7.33%4.55%
Efficiency Ratios
Receivables Turnover
 0.00 30.03 11.13 11.32 8.49
Payables Turnover
 0.00 0.00 6.00 5.71 0.92
Inventory Turnover
 0.00 0.00 0.00 0.00 -0.02
Fixed Asset Turnover
 0.00 11.18 9.30 8.13 7.32
Asset Turnover
 0.26 0.12 0.12 0.11 0.11
Working Capital Turnover Ratio
 2.97 -0.43 -0.18 -0.38 0.87
Cash Conversion Cycle
 0.00 12.15 -28.02 -31.69 -21.01K
Days of Sales Outstanding
 0.00 12.15 32.81 32.25 42.99
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 -20.66K
Days of Payables Outstanding
 0.00 0.00 60.83 63.94 398.05
Operating Cycle
 0.00 12.15 32.81 32.25 -20.61K
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 -7.05 3.91 1.06 10.24
Free Cash Flow Per Share
 0.00 -7.28 3.41 0.82 10.09
CapEx Per Share
 0.00 0.22 0.51 0.24 0.15
Free Cash Flow to Operating Cash Flow
 0.00 1.03 0.87 0.78 0.99
Dividend Paid and CapEx Coverage Ratio
 0.00 -11.28 5.53 3.31 16.98
Capital Expenditure Coverage Ratio
 0.00 -31.35 7.71 4.48 67.40
Operating Cash Flow Coverage Ratio
 0.00 -0.33 0.15 0.04 0.75
Operating Cash Flow to Sales Ratio
 0.00 -0.27 0.17 0.05 0.57
Free Cash Flow Yield
0.00%-37.51%20.65%5.48%59.53%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.16 11.41 8.17 13.65 21.99
Price-to-Sales (P/S) Ratio
 2.37 0.73 0.70 0.72 0.94
Price-to-Book (P/B) Ratio
 1.03 0.80 0.91 0.88 1.06
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 -2.67 4.84 18.25 1.68
Price-to-Operating Cash Flow Ratio
 0.00 -2.75 4.21 14.17 1.65
Price-to-Earnings Growth (PEG) Ratio
 0.08 -0.72 0.09 0.31 -0.26
Enterprise Value Multiple
 28.02 13.42 11.72 17.66 9.00
Enterprise Value
 134.02M 183.36M 191.61M 190.36M 65.04M
EV to EBITDA
 28.02 13.42 11.72 17.66 9.00
EV to Sales
 2.89 1.33 1.58 1.86 0.74
EV to Free Cash Flow
 0.00 -4.87 10.88 46.90 1.31
EV to Operating Cash Flow
 0.00 -5.03 9.47 36.43 1.29
Tangible Book Value Per Share
 20.48 26.62 11.21 10.79 10.99
Shareholders’ Equity Per Share
 20.48 24.24 18.10 17.01 15.99
Tax and Other Ratios
Effective Tax Rate
 0.08 0.19 0.19 0.25 0.21
Revenue Per Share
 7.16 26.60 23.49 20.73 17.94
Net Income Per Share
 2.34 1.75 2.02 1.10 0.77
Tax Burden
 0.94 0.73 0.72 0.60 0.71
Interest Burden
 3.39 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 <0.01 0.50 0.51 0.54 0.69
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 0.00 -4.04 1.93 0.96 11.95
Currency in USD