University Bancorp (UNIB) AI Stock Analysis

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University Bancorp

(Other OTC:UNIB)

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Rating:69Neutral

Price Target:$24.00▲(10.34% Upside)

Action:reiterated

Date:11/07/26

UNIB benefits most from strong revenue growth, expanding assets, improved leverage, and favorable valuation. These strengths are tempered by sharply negative 2025 operating cash flow and technical overbought risk, producing a balanced overall score.

Positive Factors

Recent Revenue GrowthPositive revenue growth across the most recent three years indicates that University Bancorp is expanding its banking-related business rather than relying solely on cost controls. Continued top-line momentum can support operating leverage, lending capacity, and reinvestment over the next several quarters.

Negative Factors

Negative Cash GenerationThe swing from positive to sharply negative operating and free cash flow is a significant deterioration in cash conversion. If sustained, it could constrain internally funded growth, increase reliance on balance-sheet resources, and heighten execution and liquidity risk despite positive net income.

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

Market Cap: $111.14M
Dividend Yield: 1.84%
Average Volume (3M): 2,621
Price to Earnings (P/E): 8.3
Beta (1Y): 0.18
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...

University Bancorp Financial Statement Overview

Summary

Revenue growth, stable margins, asset expansion, and improved leverage are positive, but volatile operating cash flow and negative 2025 cash flow materially reduce the score.

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 SentimentPositive

Last Price21.75

Price Trends

50DMA21.52Positive

100DMA21.81Negative

200DMA21.76Negative

Market Momentum

MACD0.07Negative

RSI60.09Neutral

STOCH54.76Neutral

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 21.75 is above the 20-day moving average (MA) of 21.39, above the 50-day MA of 21.52, and below the 200-day MA of 21.76, indicating a neutral trend. The MACD of 0.07 indicates Negative momentum. The RSI at 60.09 is Neutral, neither overbought nor oversold. The STOCH value of 54.76 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

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	73Outperform	$90.22M	10.20	9.42%	4.25%	4.68%	21.56%
UNIB	69Neutral	$112.44M	8.30	12.59%	1.84%	―	―
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UBCP	59Neutral	$83.11M	10.87	11.35%	6.52%	6.48%	-0.99%
SSBI	54Neutral	$81.33M	195.92	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.	21.75	5.87	36.96%
AUBN	Auburn National Bancorporation	25.41	1.26	5.23%
SSBI	Summit State Bank	11.76	1.01	9.35%
UBCP	United Bancorp	14.56	2.50	20.74%

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: Nov 04, 2026

University Bancorp AI Stock Analysis