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University Bancorp (UNIB) Ratios
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University Bancorp Ratios
UNIB's free cash flow for Q1 2026 was $0.00. For the 2026 fiscal year, UNIB's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 42.36 | 0.07 | 0.06 | 51.92 | 40.54 |
| Quick Ratio | 42.36 | 0.07 | 0.06 | 103.81 | 81.20 |
| Cash Ratio | 36.31 | 0.04 | 0.04 | 43.77 | 36.97 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.07 |
| Operating Cash Flow Ratio | -48.17 | 0.03 | 0.01 | 25.73 | 22.20 |
| Short-Term Operating Cash Flow Coverage | -48.17 | 0.00 | 5.23 | 61.08 | 48.78 |
| Net Current Asset Value | $ -978.18M | $ -823.87M | $ -795.62M | $ -604.68M | $ -308.29M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.10 | 0.14 | 0.15 | 0.08 | 0.02 |
| Debt-to-Equity Ratio | 0.88 | 1.45 | 1.68 | 0.86 | 0.13 |
| Debt-to-Capital Ratio | 0.47 | 0.59 | 0.63 | 0.46 | 0.11 |
| Long-Term Debt-to-Capital Ratio | 0.46 | 0.59 | 0.62 | 0.45 | 0.19 |
| Financial Leverage Ratio | 9.17 | 10.47 | 11.09 | 10.09 | 6.50 |
| Debt Service Coverage Ratio | 0.45 | 0.64 | 0.49 | 2.30 | 22.23 |
| Interest Coverage Ratio | 0.50 | 0.69 | 0.55 | 2.92 | 233.93 |
| Debt to Market Cap | 1.08 | 1.55 | 1.85 | 0.78 | 0.18 |
| Interest Debt Per Share | 26.16 | 30.37 | 31.99 | 14.07 | 2.04 |
| Net Debt to EBITDA | 6.08 | 6.50 | 10.79 | -2.53 | -2.30 |
| Profitability Margins | |||||
| Gross Profit Margin | 82.48% | 81.99% | 82.94% | 97.97% | 100.00% |
| EBIT Margin | 8.93% | 12.01% | 8.86% | 6.04% | 28.18% |
| EBITDA Margin | 9.94% | 13.47% | 10.53% | 8.19% | 29.67% |
| Operating Profit Margin | 8.93% | 12.01% | 8.86% | 6.04% | 28.18% |
| Pretax Profit Margin | 8.93% | 12.01% | 8.86% | 6.04% | 28.18% |
| Net Profit Margin | 6.56% | 8.62% | 5.30% | 4.29% | 19.81% |
| Continuous Operations Profit Margin | 7.25% | 9.73% | 6.64% | 4.77% | 21.94% |
| Net Income Per EBT | 73.45% | 71.79% | 59.83% | 71.07% | 70.29% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.79% | 1.07% | 0.58% | 0.48% | 5.06% |
| Return on Equity (ROE) | 7.20% | 11.18% | 6.46% | 4.82% | 32.88% |
| Return on Capital Employed (ROCE) | 1.07% | 5.76% | 3.67% | 0.67% | 7.24% |
| Return on Invested Capital (ROIC) | 0.87% | 4.67% | 2.74% | 2.50% | 16.88% |
| Return on Tangible Assets | 0.79% | 1.12% | 0.61% | 0.50% | 5.46% |
| Earnings Yield | 9.00% | 12.27% | 7.33% | 4.55% | 23.29% |
| Efficiency Ratios | |||||
| Receivables Turnover | 30.03 | 11.13 | 11.32 | 8.49 | 22.56 |
| Payables Turnover | 0.00 | 6.00 | 5.71 | 0.92 | -0.11 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | -0.02 | 0.00 |
| Fixed Asset Turnover | 11.18 | 9.30 | 8.13 | 7.32 | 9.00 |
| Asset Turnover | 0.12 | 0.12 | 0.11 | 0.11 | 0.26 |
| Working Capital Turnover Ratio | -0.43 | -0.18 | -0.38 | 0.87 | -1.89 |
| Cash Conversion Cycle | 12.15 | -28.02 | -31.69 | -21010.52 | 144781.94 |
| Days of Sales Outstanding | 12.15 | 32.81 | 32.25 | 42.99 | 16.18 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | -20655.45 | 141290.92 |
| Days of Payables Outstanding | 0.00 | 60.83 | 63.94 | 398.05 | -3474.84 |
| Operating Cycle | 12.15 | 32.81 | 32.25 | -20612.46 | 141307.10 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | -7.05 | 3.91 | 1.06 | 10.24 | 12.07 |
| Free Cash Flow Per Share | -7.28 | 3.41 | 0.82 | 10.09 | 11.46 |
| Dividend Paid and CapEx Coverage Ratio | -11.28 | 5.53 | 3.31 | 16.98 | 9.90 |
| Capital Expenditure Coverage Ratio | -31.35 | 7.71 | 4.48 | 67.40 | 19.64 |
| Operating Cash Flow Coverage Ratio | -0.33 | 0.15 | 0.04 | 0.75 | 6.01 |
| Operating Cash Flow to Sales Ratio | -0.27 | 0.17 | 0.05 | 0.57 | 0.46 |
| Free Cash Flow Yield | -37.51% | 20.65% | 5.48% | 59.53% | 50.81% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 11.41 | 8.17 | 13.65 | 21.99 | 4.29 |
| Price-to-Sales (P/S) Ratio | 0.73 | 0.70 | 0.72 | 0.94 | 0.85 |
| Price-to-Book (P/B) Ratio | 0.80 | 0.91 | 0.88 | 1.06 | 1.41 |
| Price-to-Free Cash Flow (P/FCF) Ratio | -2.67 | 4.84 | 18.25 | 1.68 | 1.97 |
| Price-to-Operating Cash Flow Ratio | -2.75 | 4.21 | 14.17 | 1.65 | 1.87 |
| Price-to-Earnings Growth (PEG) Ratio | -0.72 | 0.09 | 0.31 | -0.26 | -0.47 |
| Enterprise Value Multiple | 13.42 | 11.72 | 17.66 | 9.00 | 0.57 |
| Enterprise Value | 183.36M | 191.61M | 190.36M | 65.04M | 21.48M |
| EV to EBITDA | 13.42 | 11.72 | 17.66 | 9.00 | 0.57 |
| EV to Sales | 1.33 | 1.58 | 1.86 | 0.74 | 0.17 |
| EV to Free Cash Flow | -4.87 | 10.88 | 46.90 | 1.31 | 0.39 |
| EV to Operating Cash Flow | -5.03 | 9.47 | 36.43 | 1.29 | 0.37 |
| Tangible Book Value Per Share | 26.62 | 11.21 | 10.79 | 10.99 | 10.15 |
| Shareholders’ Equity Per Share | 24.24 | 18.10 | 17.01 | 15.99 | 15.97 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.19 | 0.19 | 0.25 | 0.21 | 0.22 |
| Revenue Per Share | 26.60 | 23.49 | 20.73 | 17.94 | 26.52 |
| Net Income Per Share | 1.75 | 2.02 | 1.10 | 0.77 | 5.25 |
| Tax Burden | 0.73 | 0.72 | 0.60 | 0.71 | 0.70 |
| 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 | 0.50 | 0.51 | 0.54 | 0.69 | 0.58 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | -4.04 | 1.93 | 0.96 | 11.95 | 2.08 |
Currency in USD
