University Bancorp (UNIB) AI Stock Analysis

University Bancorp

(Other OTC:UNIB)

Select Model

Rating:67Neutral

Price Target:$24.00▲(12.41% Upside)

Action:downgraded

Date:08/07/26

The score is driven primarily by solid financial performance and an attractive valuation, while cash flow volatility limits the upside. Technicals are mixed and do not provide a strong additional boost.

Positive Factors

Improved leverage and capital baseA 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 generationA 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.

University Bancorp (UNIB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $110.37M
Dividend Yield: 1.87%
Average Volume (3M): 2,953
Price to Earnings (P/E): 8.2
Beta (1Y): 0.24
Revenue Growth: ―
EPS Growth: ―
Country: US
Employees: 81
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 perso...

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-bearin...

University Bancorp Financial Statement Overview

Summary

Strong revenue growth and improving leverage support the score, but the sharp 2025 operating cash flow decline and weaker net margin keep fundamentals below the strongest range.

Income Statement

82Very Positive

Balance Sheet

75Positive

Cash Flow

45Neutral

Financial statement breakdown
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	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	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	-37.61M	17.61M	4.06M	49.61M	55.23M
Operating Cash Flow	0	-36.45M	20.24M	5.23M	50.36M	58.20M
Investing Cash Flow	0	-114.72M	-53.84M	-202.97M	-365.73M	-81.66M
Financing Cash Flow	0	149.12M	38.01M	137.20M	303.50M	-79.36M

University Bancorp Technical Analysis

Technical Analysis SentimentNeutral

Last Price21.35

Price Trends

50DMA21.58Negative

100DMA21.82Negative

200DMA21.81Negative

Market Momentum

MACD-0.09Negative

RSI49.61Neutral

STOCH100.00Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UNIB, the sentiment is Neutral. The current price of 21.35 is above the 20-day moving average (MA) of 21.18, below the 50-day MA of 21.58, and below the 200-day MA of 21.81, indicating a neutral trend. The MACD of -0.09 indicates Negative momentum. The RSI at 49.61 is Neutral, neither overbought nor oversold. The STOCH value of 100.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for UNIB.

University Bancorp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

UNIB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AUBN	77Outperform	$90.59M	10.44	9.42%	4.15%	-1.64%	21.56%
UBCP	69Neutral	$81.21M	9.97	11.53%	6.71%	6.21%	8.32%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UNIB	67Neutral	$110.37M	8.24	12.59%	1.87%	―	―
SSBI	52Neutral	$77.40M	190.50	0.33%	―	-7.24%	―

* Financial Sector Average

Performance Comparison

UNIB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
UNIB	University Bancorp, Inc.	21.35	5.22	32.38%
AUBN	Auburn National Bancorporation	26.00	1.56	6.40%
SSBI	Summit State Bank	11.43	0.59	5.44%
UBCP	United Bancorp	14.16	1.86	15.09%

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.

Date of analysis: Aug 04, 2026

University Bancorp AI Stock Analysis