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University Bancorp
(OTC:UNIB)
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Rating:63Neutral
Price Target:
$24.00
▲(7.24% Upside)
Action:Reiterated
Date:08/04/26
UNIB scores as moderately attractive. The biggest offsetting factor is weaker financial quality driven by sharply negative 2025 operating/free cash flow and reduced profitability despite revenue growth and improved leverage. Technicals are mildly positive with the stock holding above key longer-term averages and neutral momentum. Valuation is a key support, with a low P/E and a modest dividend yield.
Positive Factors
Improved leverage and capital base
A materially lower debt-to-equity ratio and a meaningful increase in equity strengthen the bank's loss-absorbing capacity and regulatory resilience. This durable capital improvement reduces balance-sheet risk, supports lending capacity and strategic flexibility over the next several quarters.
Negative Factors
Sharp deterioration in cash generation
A swing to sharply negative operating and free cash flow signals weakening cash conversion and heightens liquidity and execution risk. Over several months this can constrain loan growth, dividend sustainability and force reliance on external funding or deposit repricing.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage and capital base
A materially lower debt-to-equity ratio and a meaningful increase in equity strengthen the bank's loss-absorbing capacity and regulatory resilience. This durable capital improvement reduces balance-sheet risk, supports lending capacity and strategic flexibility over the next several quarters.
Read all positive factors
University Bancorp (UNIB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$114.42M
Dividend Yield1.82%
Average Volume (3M)357.00
Price to Earnings (P/E)8.5
Beta (1Y)0.23
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees81
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.93
Shares Outstanding5,200,899
10 Day Avg. Volume730
30 Day Avg. Volume357
Financial Highlights & Ratios
PEG Ratio-0.72
Price to Book (P/B)0.80
Price to Sales (P/S)0.73
P/FCF Ratio-2.67
Enterprise Value/Market Cap1.72
Enterprise Value/Revenue16.64
Enterprise Value/Gross Profit16.64
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
University Bancorp Business Overview & Revenue Model
Company Description
University Bancorp, Inc., established in 1890 and headquartered in Ann Arbor, Michigan, functions as the holding company for University Bank. This entity delivers a wide array of financial and banking solutions across the United States, serving pe...
How the Company Makes Money
University Bancorp primarily earns money through (1) net interest income and (2) noninterest income generated by banking and mortgage-related activities. Net interest income is driven by the spread between interest earned on loans and interest-bea...
University Bancorp Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
66
Positive
Cash Flow
34
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 11.83M | 137.51M | 121.41M | 102.34M | 88.25M | 127.83M |
| Gross Profit | 11.83M | 113.42M | 99.55M | 84.88M | 86.46M | 127.83M |
| EBITDA | 0.00 | 13.67M | 16.35M | 10.78M | 7.23M | 37.92M |
| Net Income | 11.78M | 9.02M | 10.47M | 5.43M | 3.79M | 25.32M |
Balance Sheet | ||||||
| Total Assets | 177.58M | 1.15B | 980.01M | 931.63M | 794.24M | 500.38M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 27.48M | 31.98M | 25.17M | 85.73M | 97.21M |
| Total Debt | 43.27M | 110.56M | 135.84M | 141.43M | 67.38M | 9.69M |
| Total Liabilities | 44.84M | 1.01B | 874.45M | 837.05M | 706.31M | 414.57M |
| Stockholders Equity | 132.74M | 125.29M | 93.59M | 83.97M | 78.68M | 77.00M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -37.61M | 17.61M | 4.06M | 49.61M | 55.23M |
| Operating Cash Flow | 0.00 | -36.45M | 20.24M | 5.23M | 50.36M | 58.20M |
| Investing Cash Flow | 0.00 | -114.72M | -53.84M | -202.97M | -365.73M | -81.66M |
| Financing Cash Flow | 0.00 | 149.12M | 38.01M | 137.20M | 303.50M | -79.36M |
University Bancorp Technical Analysis
Negative
22.38
Price Trends
22.31
Negative
22.22
Negative
21.37
Positive
Market Momentum
-0.08
Positive
42.95
Neutral
60.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UNIB, the sentiment is Negative. The current price of 22.38 is above the 20-day moving average (MA) of 22.14, above the 50-day MA of 22.31, and above the 200-day MA of 21.37, indicating a neutral trend. The MACD of -0.08 indicates Positive momentum. The RSI at 42.95 is Neutral, neither overbought nor oversold. The STOCH value of 60.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for UNIB.
University Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $92.47M | 11.01 | 9.10% | 4.04% | 4.58% | 26.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $114.42M | 8.49 | 12.59% | 1.82% | ― | ― | |
63 Neutral | $91.08M | 11.18 | 11.53% | 5.92% | 6.21% | 8.32% | |
53 Neutral | $85.73M | 37.24 | 2.22% | 3.97% | -6.91% | ― |
* Financial Sector Average
UNIB
University Bancorp
22.00
6.49
41.86%
AUBN
Auburn National Bancorporation
26.54
0.48
1.83%
SSBI
Summit State Bank
12.66
0.83
7.02%
UBCP
United Bancorp
15.88
1.79
12.71%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.