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University Bancorp (UNIB)

OTHER OTC:UNIB

UNIB

University Bancorp

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University Bancorp (UNIB) Ratios

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University Bancorp Ratios

UNIB's free cash flow for Q2 2023 was $0.00. For the 2023 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 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.11	0.10	49.11	39.24	119.08
Quick Ratio	0.11	0.10	101.00	79.90	239.46
Cash Ratio	0.06	0.06	43.77	36.97	114.44
Solvency Ratio	0.01	<0.01	<0.01	0.07	0.06
Operating Cash Flow Ratio	0.04	0.01	25.73	22.43	-12.44
Short-Term Operating Cash Flow Coverage	24.20	5.23	61.08	49.29	-21.40
Net Current Asset Value	$ -829.76M	$ -795.67M	$ -610.19M	$ -311.69M	$ -287.03M
Leverage Ratios
Debt-to-Assets Ratio	0.14	0.15	0.10	0.05	0.06
Debt-to-Equity Ratio	1.46	1.68	1.04	0.35	0.57
Debt-to-Capital Ratio	0.59	0.63	0.51	0.26	0.36
Long-Term Debt-to-Capital Ratio	0.59	0.62	0.50	0.19	0.23
Financial Leverage Ratio	10.51	11.09	10.09	6.50	9.85
Debt Service Coverage Ratio	0.54	0.49	2.30	22.23	27.16
Interest Coverage Ratio	0.69	0.59	3.68	216.26	183.69
Debt to Market Cap	1.61	1.85	0.95	0.18	0.28
Interest Debt Per Share	30.58	31.99	17.03	5.58	6.31
Net Debt to EBITDA	7.37	10.79	-0.52	-1.85	-4.07
Profitability Margins
Gross Profit Margin	79.48%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	11.64%	10.57%	6.17%	28.18%	29.41%
EBITDA Margin	11.64%	12.55%	8.36%	29.67%	31.10%
Operating Profit Margin	11.64%	11.32%	7.79%	26.05%	27.36%
Pretax Profit Margin	11.64%	10.57%	6.17%	28.18%	29.41%
Net Profit Margin	8.36%	6.32%	4.38%	19.81%	21.17%
Continuous Operations Profit Margin	9.43%	7.92%	4.87%	21.94%	23.22%
Net Income Per EBT	71.79%	59.83%	71.07%	70.29%	71.96%
EBT Per EBIT	100.00%	93.36%	79.15%	108.17%	107.49%
Return on Assets (ROA)	1.06%	0.58%	0.48%	5.06%	5.02%
Return on Equity (ROE)	11.79%	6.46%	4.82%	32.88%	49.48%
Return on Capital Employed (ROCE)	2.77%	1.93%	0.85%	6.69%	6.51%
Return on Invested Capital (ROIC)	2.27%	1.44%	3.26%	15.93%	11.74%
Return on Tangible Assets	1.07%	0.61%	0.50%	5.46%	5.19%
Earnings Yield	12.57%	7.33%	4.55%	23.29%	43.37%
Efficiency Ratios
Receivables Turnover	11.48	9.49	0.00	0.00	0.00
Payables Turnover	6.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	9.60	6.82	7.17	9.00	9.81
Asset Turnover	0.13	0.09	0.11	0.26	0.24
Working Capital Turnover Ratio	-0.32	-0.59	0.89	0.83	0.82
Cash Conversion Cycle	-29.03	38.45	0.00	0.00	0.00
Days of Sales Outstanding	31.80	38.45	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	60.83	0.00	0.00	0.00	0.00
Operating Cycle	31.80	38.45	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	3.91	1.06	10.24	12.20	-4.23
Free Cash Flow Per Share	3.41	0.82	10.09	11.58	-4.54
CapEx Per Share	0.51	0.24	0.15	0.61	0.32
Free Cash Flow to Operating Cash Flow	0.87	0.78	0.99	0.95	1.07
Dividend Paid and CapEx Coverage Ratio	5.53	3.31	16.98	10.00	-12.25
Capital Expenditure Coverage Ratio	7.71	4.48	67.40	19.84	-13.38
Operating Cash Flow Coverage Ratio	0.15	0.04	0.61	2.20	-0.67
Operating Cash Flow to Sales Ratio	0.16	0.06	0.58	0.46	-0.16
Free Cash Flow Yield	21.15%	5.48%	59.53%	51.36%	-36.17%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	7.96	13.65	21.99	4.29	2.31
Price-to-Sales (P/S) Ratio	0.66	0.86	0.96	0.85	0.49
Price-to-Book (P/B) Ratio	0.89	0.88	1.06	1.41	1.14
Price-to-Free Cash Flow (P/FCF) Ratio	4.73	18.25	1.68	1.95	-2.76
Price-to-Operating Cash Flow Ratio	4.12	14.17	1.65	1.85	-2.97
Price-to-Earnings Growth (PEG) Ratio	0.08	0.31	-0.26	-0.47	<0.01
Price-to-Fair Value	0.89	0.88	1.06	1.41	1.14
Enterprise Value Multiple	13.08	17.66	11.02	1.02	-2.50
Enterprise Value	190.69M	190.36M	79.61M	38.54M	-103.04M
EV to EBITDA	13.08	17.66	11.02	1.02	-2.50
EV to Sales	1.52	2.22	0.92	0.30	-0.78
EV to Free Cash Flow	10.83	46.90	1.60	0.69	4.41
EV to Operating Cash Flow	9.42	36.43	1.58	0.66	4.74
Tangible Book Value Per Share	20.29	10.79	10.99	10.15	8.71
Shareholders’ Equity Per Share	18.10	17.01	15.99	15.97	11.01
Tax and Other Ratios
Effective Tax Rate	0.19	0.25	0.21	0.22	0.21
Revenue Per Share	24.23	17.39	17.57	26.52	25.73
Net Income Per Share	2.02	1.10	0.77	5.25	5.45
Tax Burden	0.72	0.60	0.71	0.70	0.72
Interest Burden	1.00	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	0.49	0.65	0.70	0.58	0.55
Stock-Based Compensation to Revenue	0.00	0.00	0.00	<0.01	<0.01
Income Quality	1.93	0.96	11.95	2.10	-0.71

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