University Bancorp (UNIB) AI Stock Analysis

• Market Cap: $85.29M
• Dividend Yield: 1.76%
• Average Volume (3M): 290.00
• Price to Earnings (P/E): 8.1
• Beta (1Y): 0.12
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.66
• Shares Outstanding: 5,200,899
• 10 Day Avg. Volume: 419
• 30 Day Avg. Volume: 290
• PEG Ratio: 0.09
• Price to Book (P/B): 0.91
• Price to Sales (P/S): 0.68
• P/FCF Ratio: 4.84
• Enterprise Value/Market Cap: 1.67
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: 91.24
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: $18.00 ▲(8.89% Upside)

University Bancorp's stock score is driven by strong valuation metrics and positive technical indicators. The company's financial performance shows growth potential, though high leverage and moderate profitability are concerns. The absence of recent earnings call data and corporate events means these factors do not influence the score.

University Bancorp Business Overview & Revenue Model

Company Description

University Bancorp, Inc. operates as the bank holding company for University Bank that provides various personal, business, and community banking services in the United States. It offers checking, NOW, savings, money market, time deposit, and certificate of deposit accounts. The company's consumer loans include home equity, short term, automobile, personal, and recreational vehicle loans, as well as home equity lines of credits; and commercial real estate, equipment, small business, and non-profit loans, as well as working capital lines of credit. In addition, the company offers foreign currency exchange; online banking and bill pay; online reorder checks; wire transfer; and courier services, as well as credit card and ATM services. Further, it provides life, health, property, and casualty insurance products, as well as investment products, including annuities. University Bancorp, Inc. was founded in 1890 and is based in Ann Arbor, Michigan.

How the Company Makes Money

University Bancorp generates revenue primarily through interest income from its loan portfolio, which includes mortgage loans and commercial loans. The company earns fees from various banking services, such as account maintenance and transaction fees. Additionally, University Bancorp benefits from gains on the sale of loans and investment securities. Its real estate services, including property management and consulting, also contribute to revenue. The company may enter into partnerships with local businesses and educational institutions to expand its service offerings and reach, thereby enhancing its earnings potential.

University Bancorp Financial Statement Overview

Summary

University Bancorp exhibits robust revenue growth, with strong gross profit margins. However, net income and profitability metrics have shown volatility, reflecting operational and financial uncertainties. The increasing leverage and declining cash flow metrics suggest potential risks in financial stability. Continuous monitoring and strategic management are essential to ensure sustained growth and stability.

Income Statement

University Bancorp has shown strong revenue growth over the years, with a significant improvement in total revenue from 2019 to 2023. The gross profit margin remains consistently high at 100%, indicating efficient cost management. However, net profit margins have been unstable, reflecting fluctuations in net income. The EBIT and EBITDA margins have also shown variability, highlighting some operational challenges.

Balance Sheet

The company's debt-to-equity ratio has increased, suggesting a growing reliance on debt financing, which could pose risks if not managed carefully. However, the equity ratio remains healthy, showing that a reasonable portion of assets is funded by equity. Return on equity has decreased, indicating potential challenges in generating shareholder returns.

Cash Flow

There are significant fluctuations in cash flow metrics. The operating cash flow to net income ratio has decreased, indicating potential inefficiencies in converting income into cash. Additionally, free cash flow has declined over the years, which may impact the company's flexibility in capital investments and debt repayments.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	0.00	125.26M	88.10M	92.15M	127.83M	132.31M
Gross Profit	0.00	99.55M	84.88M	86.42M	127.83M	128.73M
EBITDA	1.56M	14.58M	10.78M	7.23M	37.92M	41.14M
Net Income	1.56M	10.47M	5.43M	3.79M	25.32M	28.00M
Balance Sheet
Total Assets	833.50M	983.45M	931.63M	794.24M	500.38M	557.68M
Cash, Cash Equivalents and Short-Term Investments	0.00	31.98M	25.12M	85.73M	97.21M	200.17M
Total Debt	0.00	136.93M	141.43M	67.38M	9.69M	16.70M
Total Liabilities	0.00	877.90M	837.05M	706.31M	414.57M	494.99M
Stockholders Equity	76.28M	93.59M	83.97M	78.68M	77.00M	56.59M
Cash Flow
Free Cash Flow	0.00	17.61M	4.06M	49.61M	55.83M	-23.36M
Operating Cash Flow	0.00	20.24M	5.23M	50.36M	58.80M	-21.73M
Investing Cash Flow	0.00	-53.84M	-202.97M	-365.73M	-82.27M	-23.95M
Financing Cash Flow	0.00	38.01M	137.20M	303.50M	-79.36M	131.81M

University Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.53
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UNIB, the sentiment is Positive. The current price of 16.53 is above the 20-day moving average (MA) of 16.39, above the 50-day MA of 16.14, and above the 200-day MA of 15.83, indicating a bullish trend. The MACD of 0.16 indicates Negative momentum. The RSI at 55.15 is Neutral, neither overbought nor oversold. The STOCH value of 76.03 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UNIB.

University Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UNIB	73 Outperform	$85.29M	8.10	6.46%	1.76%	―	―
AUBN	72 Outperform	$89.09M	12.46	8.22%	4.24%	16.08%	739.42%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IROQ	66 Neutral	$86.30M	16.44	6.20%	1.56%	6.61%	139.05%
UBCP	62 Neutral	$75.58M	10.29	11.79%	6.95%	5.73%	-13.97%
CFSB	54 Neutral	$92.53M	―	-0.35%	―	11.64%	-913.46%
SSBI	45 Neutral	$72.37M	-51.28	-1.41%	―	-0.80%	-129.22%