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

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Total Valuation

University Bancorp has a market cap or net worth of $84.41M. The enterprise value is $142.09M.
Market Cap$84.41M
Enterprise Value$142.09M

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 0.11 and return on invested capital (ROIC) is 2.27%.
Return on Equity (ROE)0.11
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)2.27%
Return on Capital Employed (ROCE)0.03
Revenue Per Employee10.00T>
Profits Per Employee10.00T>
Employee Count
Asset Turnover0.13
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of University Bancorp is 8.0. University Bancorp’s PEG ratio is 0.09.
PE Ratio8.0
PS Ratio0.68
PB Ratio0.91
Price to Fair Value0.91
Price to FCF4.84
Price to Operating Cash Flow4.12
PEG Ratio0.09

Income Statement

In the last 12 months, University Bancorp had revenue of 125.26M and earned 10.47M in profits. Earnings per share was 2.02.
Revenue125.26M
Gross Profit99.55M
Operating Income14.58M
Pretax Income14.58M
Net Income10.47M
EBITDA14.58M
Earnings Per Share (EPS)2.02

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 1.83%
Dividend Per Share$0.1
Dividend Yield1.83%
Payout Ratio30.35%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.12
52-Week Price Change6.36%
50-Day Moving Average16.14
200-Day Moving Average15.83
Relative Strength Index (RSI)55.15
Average Volume (3m)290.00

Important Dates

University Bancorp upcoming earnings date is Apr 1, 2026, During Market Hours (Not Confirmed).
Last Earnings DateAug 18, 2025
Next Earnings DateApr 1, 2026
Ex-Dividend DateJul 28, 2025

Financial Position

University Bancorp as a current ratio of 0.11, with Debt / Equity ratio of 146.30%
Current Ratio0.11
Quick Ratio0.11
Debt to Market Cap1.57
Net Debt to EBITDA7.37
Interest Coverage Ratio0.69

Taxes

In the past 12 months, University Bancorp has paid 2.76M in taxes.
Income Tax2.76M
Effective Tax Rate0.19

Enterprise Valuation

University Bancorp EV to EBITDA ratio is 13.22, with an EV/FCF ratio of 10.94.
EV to Sales1.54
EV to EBITDA13.22
EV to Free Cash Flow10.94
EV to Operating Cash Flow9.52

Balance Sheet

University Bancorp has $0.00 in cash and marketable securities with $0.00 in debt, giving a net cash position of $0.00 billion.
Cash & Marketable Securities$0.00
Total Debt$0.00
Net Cash$0.00
Net Cash Per Share$0.00
Tangible Book Value Per Share$20.29

Margins

Gross margin is 79.48%, with operating margin of 11.64%, and net profit margin of 8.36%.
Gross Margin79.48%
Operating Margin11.64%
Pretax Margin11.64%
Net Profit Margin8.36%
EBITDA Margin11.64%
EBIT Margin11.64%

Analyst Forecast

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

Scores

Smart Score4
AI Score
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