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University Bancorp (UNIB)
OTHER OTC:UNIB
US Market
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University Bancorp (UNIB) Stock Statistics & Valuation Metrics

11 Followers

Total Valuation

University Bancorp has a market cap or net worth of $118.32M. The enterprise value is $196.98M.
Market Cap$118.32M
Enterprise Value$196.98M

Share Statistics

University Bancorp has 5,200,899 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding5,200,899
Owned by Insiders
Owned by Institutions

Financial Efficiency

University Bancorp’s return on equity (ROE) is 0.07 and return on invested capital (ROIC) is 0.87%.
Return on Equity (ROE)0.07
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)0.87%
Return on Capital Employed (ROCE)0.01
Revenue Per Employee1.70M
Profits Per Employee111.39K
Employee Count81
Asset Turnover0.12
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of University Bancorp is 7.7. University Bancorp’s PEG ratio is -0.72.
PE Ratio7.7
PS Ratio0.73
PB Ratio0.80
Price to Fair Value0.80
Price to FCF-2.67
Price to Operating Cash Flow0.00
PEG Ratio-0.72

Income Statement

In the last 12 months, University Bancorp had revenue of 137.51M and earned 9.02M in profits. Earnings per share was 1.70.
Revenue137.51M
Gross Profit113.42M
Operating Income12.28M
Pretax Income12.28M
Net Income9.02M
EBITDA13.67M
Earnings Per Share (EPS)1.70

Cash Flow

In the last 12 months, operating cash flow was 0.00 and capital expenditures 0.00, giving a free cash flow of 0.00 billion.
Operating Cash Flow0.00
Free Cash Flow0.00
Free Cash Flow per Share0.00

Dividends & Yields

University Bancorp pays an annual dividend of $0.1, resulting in a dividend yield of 1.76%
Dividend Per Share$0.1
Dividend Yield1.76%
Payout Ratio45.52%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.19
52-Week Price Change43.03%
50-Day Moving Average22.13
200-Day Moving Average20.71
Relative Strength Index (RSI)44.27
Average Volume (3m)290.00

Important Dates

University Bancorp upcoming earnings date is Nov 6, 2026, During Market Hours (Not Confirmed).
Last Earnings DateMar 24, 2026
Next Earnings DateNov 6, 2026
Ex-Dividend Date

Financial Position

University Bancorp as a current ratio of 42.36, with Debt / Equity ratio of 32.60%
Current Ratio42.36
Quick Ratio42.36
Debt to Market Cap1.08
Net Debt to EBITDA6.08
Interest Coverage Ratio0.50

Taxes

In the past 12 months, University Bancorp has paid 2.31M in taxes.
Income Tax2.31M
Effective Tax Rate0.19

Enterprise Valuation

University Bancorp EV to EBITDA ratio is 13.42, with an EV/FCF ratio of -4.87.
EV to Sales1.33
EV to EBITDA13.42
EV to Free Cash Flow-4.87
EV to Operating Cash Flow-5.03

Balance Sheet

University Bancorp has $0.00 in cash and marketable securities with $43.27M in debt, giving a net cash position of -$43.27M billion.
Cash & Marketable Securities$0.00
Total Debt$43.27M
Net Cash-$43.27M
Net Cash Per Share-$8.32
Tangible Book Value Per Share$26.62

Margins

Gross margin is 89.71%, with operating margin of 8.93%, and net profit margin of 6.56%.
Gross Margin89.71%
Operating Margin8.93%
Pretax Margin8.93%
Net Profit Margin6.56%
EBITDA Margin9.94%
EBIT Margin8.93%

Analyst Forecast

The average price target for University Bancorp is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target
Price Target Upside
Analyst Consensus
Analyst Count0
Revenue Growth Forecast
EPS Growth Forecast

Scores

Smart ScoreN/A
AI Score