University Bancorp, Inc. (UNIB)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 132 | 128 | 86 | 86 | 100 | 113 | 46 | - |
| Operating profit | $m | 12 | 16 | ||||||
| Net profit | $m | 28 | 25 | 4 | 5 | 10 | 9 | 15 | - |
| EPS reported | $ | 1.70 | 2.59 | ||||||
| Operating cashflow per share | $ | -7.05 | 0.00 | ||||||
| Capex per share | $ | 0.22 | 0.00 | ||||||
| FCF per share | $ | -7.28 | 0.00 | ||||||
| Free cash flow | $m | -38 | 0 | ||||||
| Net debt | $m | 81 | 43 | ||||||
| Book value equity | $m | 125 | 133 | ||||||
| Book value per share | $ | 24.24 | 20.48 | ||||||
| Number of shares | m | 5.17 | 6.48 | ||||||
| DPS (TTM paid) | $ | 0.40 | 0.40 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.41 | - | ||||||
| P/B LTM | x | 0.80 | 0.76 | ||||||
| P/S LTM | x | 0.89 | 2.16 | ||||||
| P/FCF LTM | x | -2.67 | 0.00 | ||||||
| EV/EBITDA LTM | x | 13.42 | 38.34 | ||||||
| EV/Sales LTM | x | 1.33 | 3.05 | ||||||
| Earnings Yield LTM | % | +8.76% | +10.35% | ||||||
| FCF Yield | % | -37.51% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +7.20% | +12.59% | ||||||
| ROIC | % | +0.87% | +8.36% | ||||||
| Operating margin | % | +8.93% | +34.95% | ||||||
| Gross margin | % | +82.48% | +89.71% | ||||||
| FCF/Sales | % | -27.35% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -15.84% | +28.22% | ||||||
| Sales Growth YoY | % | +12.51% | -53.69% | ||||||
| Net Income Growth YoY | % | -13.80% | +45.06% | ||||||
| FCF Growth | % | - | -100.00% | ||||||
| Operating Profit Growth | % | -15.75% | +11.31% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.06% | +1.77% | ||||||
| Dividend Growth | % | +33.33% | +33.33% | ||||||
| Payout Ratio | % | +23.53% | +22.92% | ||||||
| FCF/Debt | x | -0.34 | 0.00 | ||||||
| Net Debt/EBITDA | x | 6.08 | 5.03 | ||||||
| EBIT/Net interest | x | 0.50 | 0.00 | ||||||
| Net debt/market cap | % | +1.08% | +36.88% | ||||||
| Net debt/Equity | x | 0.64 | 0.33 | ||||||
| Gross debt/equity | x | 0.88 | 0.33 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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 personal, commercial, and community needs. Its product portfolio includes various deposit account options, such as checking, NOW, savings, money market, time deposit, and certificates of deposit (CDs). For individuals, the company facilitates loans including home equity, short-term, automobile, personal, and recreational vehicle financing, along with home equity lines of credit. Businesses and non-profit groups can access commercial real estate loans, equipment financing, small business loans, and working capital lines of credit. Additionally, the company offers an assortment of supplementary services like foreign currency exchange, comprehensive online banking with bill payment functionalities, convenient online check reordering, wire transfers, courier services, and access to credit cards and ATMs. Clients can also secure various insurance coverages, including life, health, property, and casualty policies, alongside investment products such as annuities.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
University Bancorp, Inc. (UNIB)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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 personal, commercial, and community needs. Its product portfolio includes various deposit account options, such as checking, NOW, savings, money market, time deposit, and certificates of deposit (CDs). For individuals, the company facilitates loans including home equity, short-term, automobile, personal, and recreational vehicle financing, along with home equity lines of credit. Businesses and non-profit groups can access commercial real estate loans, equipment financing, small business loans, and working capital lines of credit. Additionally, the company offers an assortment of supplementary services like foreign currency exchange, comprehensive online banking with bill payment functionalities, convenient online check reordering, wire transfers, courier services, and access to credit cards and ATMs. Clients can also secure various insurance coverages, including life, health, property, and casualty policies, alongside investment products such as annuities.
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