A+ Stock Grade Summary:
| VALUE: |
|
|
| GROWTH: |
|
|
| MOMENTUM: |
|
|
| EPS REVISIONS: |
|
|
| QUALITY: |
|
|
COMPANY SUMMARY
University Bancorp, Inc. operates as the bank holding company for University Bank that provides community banking products and services in the United States. The company offers personal checking, savings, money market, and deposits accounts, as well as certificate of deposit; consumer loans, including closed-end home equity, bridge, automobile, recreational vehicle, and personal loans, as well as home equity line of credit and credit cards; and business lending solutions, such as small business, commercial, and non-profit loans. It also provides wealth management; ATM locator; online banking and bill pay; and other services comprising online reorder of checks, courier requests, and wire transfers. In addition, the company engages in acceptance of checking, savings, and time deposits; installments; foreign currency exchange; loans services and subservices; and marketing, originating, processing, closing, and selling of retail mortgage loans. Further, it is involved in the sale of life, health, property, and casualty insurance products, as well as annuities; investment in real estate-related assets, which includes residential mortgage loans, mortgage servicing rights, real property, small commercial mortgage loans, securities that are backed by underlying assets, and other related investments; and faith-based financial services. The company was formerly known as Newberry Bancorp, Inc. and changed its name to University Bancorp, Inc. in July 1996. University Bancorp, Inc. was founded in 1890 and is based in Ann Arbor, Michigan.
Financial Summary
| Share Statistics | UNIB | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $117.6 | $716.9 | 23% |
|
| Shares Out (Mil) | 4.3 | 15.7 | 12% |
|
| Institutional Ownership | na | 83.0% | na |
|
| Float (Mil) | 5.2 | 21.2 | 12% |
|
| Beta | na | 0.48 | na |
|
| Avg Daily Volume (000s) | 0 | 53 | 0% |
|
| Price Change (52-week) |
66.1% | 96.7% | 85% |
|
| Growth | UNIB | Industry Median |
Percentile (All Stocks) |
|
| Sales (5yr) | (3.3%) | 7.6% | 11% |
|
| Net Income (5yr) | (20.3%) | 11.1% | 19% |
|
| EPS (5yr) | (20.4%) | 10.1% | 13 |
|
| Dividends (5yr) | 14.9% | 3.6% | 63% |
|
| Cash Flow (5yr) | (15.1%) | (17.0%) | 51% |
|
| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
|
| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | UNIB | Industry Median |
Percentile (All Stocks) |
|
| Sales (TTM) (Mil) | $113 | $190 | 28% |
|
| Net Income (TTM) (Mil) | $9 | $51 | 45% |
|
| EPS (TTM) | $1.704 | $2.500 | 69% |
|
| Operating Cash Flow (TTM) (Mil) | ($37) | $34 | 11% |
|
| Net Cash Flow (TTM) (Mil) | ($9) | $1 | 31% |
|
| Long-Term Debt (Q1) (Mil) | $0 | $100 | 0% |
|
| Enterprise Value (Q1) (Mil) | na | $0 | na |
|
| Valuation | UNIB | Industry Median |
Percentile (All Stocks) |
|
| P/B | 16.02 | 1.27 | 94% |
|
| P/E | 13.4 | 12.9 | 30% |
|
| Dividend Yield | 1.3% | 2.2% | 70% |
|
| PEG (5yr hist) | na | 1.1 | na |
|
| Ratios | UNIB | Industry Median |
Percentile (All Stocks) |
|
| Gross Margin | na | 68.8% | na |
|
| Net Margin | 14.8% | 28.9% | 72% |
|
| ROA | 8.3% | 1.0% | 84% |
|
| ROE | 149.8% | 11.1% | 97% |
|
| Liabilities to Assets | 93.1% | 89.8% | 90% |
|
| F-Score | 2 | 4 | na |
|
University Bancorp, Inc. did not pass any screens on 7/31/2026.
