UNIB
University Bancorp, Inc.
Price Chart
Latest Quote
$21.77
+0.14 (+0.65%)
Current Price
| Previous Close | $21.63 |
| Open | $21.65 |
| Day High | $21.65 |
| Day Low | $21.65 |
| Volume | 120 |
Stock Information
| Quarterly Dividend / Yield | $0.40 / 1.84% |
| Shares Outstanding | 5.17M |
| Quarterly Dividend Yield | 1.84% |
| Quarterly Dividend | $0.40 |
| Total Debt | $43.27M |
| Cash Equivalents | $19.20M |
| Revenue | $122.50M |
| Net Income | $17.95M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $112.54M |
| P/E Ratio | 12.81 |
| EPS (TTM) | $1.70 |
| Exchange | OQB |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $135.93M |
| Sales | $122.50M |
| Income | $17.95M |
| Book/sh | $18.10 |
| Cash/sh | $3.71 |
Financial Ratios
Returns & Margins
| Operating Margin | 98.14% |
| Profit Margin | 14.82% |
Ownership
| Insider & Institutional transactions data not available |
Valuation Ratios
| PEG | 1.51 |
| P/S | 0.92 |
| P/B | 1.20 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $22.16 |
| SMA50 | $21.86 |
| SMA200 | $19.38 |
| RSI | 17.76 |
| ATR | 0.1086 |
| Short Ratio | 0.04 |
| Rel Volume | 0.14 |
Performance History
| Week | +1.26% |
| Month | -5.35% |
| Quarter | +0.38% |
| 6 Months | +24.41% |
| YTD | +10.19% |
| Year | +39.15% |
| 3 Years | +62.94% |
| 5 Years | +61.73% |
| 10 Years | +223.62% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-03 | $21.77 | 200 |
| 2026-06-02 | $21.63 | 100 |
| 2026-06-01 | $21.50 | 0 |
| 2026-05-29 | $21.50 | 23,400 |
| 2026-05-28 | $21.50 | 600 |
| 2026-05-27 | $21.50 | 0 |
| 2026-05-26 | $21.50 | 1,900 |
| 2026-05-22 | $21.87 | 300 |
| 2026-05-21 | $22.00 | 1,900 |
| 2026-05-20 | $22.40 | 0 |
| 2026-05-19 | $22.40 | 0 |
| 2026-05-18 | $22.40 | 0 |
| 2026-05-15 | $22.40 | 200 |
| 2026-05-14 | $22.75 | 0 |
| 2026-05-13 | $22.75 | 0 |
| 2026-05-12 | $22.75 | 0 |
| 2026-05-11 | $22.75 | 0 |
| 2026-05-08 | $22.75 | 300 |
| 2026-05-07 | $22.50 | 0 |
| 2026-05-06 | $22.50 | 400 |
| 2026-05-05 | $23.00 | 0 |
About University Bancorp, Inc.
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.
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $100,266,684 | $85,841,278 | $86,422,758 | $127,834,932 |
| Operating Revenue | $100,266,684 | $85,841,278 | $86,422,758 | $127,834,932 |
| Expenses | ||||
| Interest Expense | $21,146,914 | $16,503,283 | $1,828,114 | $153,985 |
| Selling And Marketing Expense | $1,226,028 | $1,023,466 | $1,027,946 | $1,061,621 |
| General And Administrative Expense | $61,299,820 | $55,706,329 | $60,564,986 | $74,321,913 |
| Professional Expense And Contract Services Expense | $3,451,865 | $3,839,428 | $3,208,169 | $2,734,186 |
| Other Non Interest Expense | $15,967,463 | $12,095,877 | $13,035,769 | $10,479,625 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $10,467,383 | $5,426,558 | $3,789,400 | $25,319,795 |
| Net Interest Income | $37,151,636 | $31,257,248 | $20,413,750 | $12,017,988 |
| Interest Income | $58,298,550 | $47,760,531 | $22,241,864 | $12,171,973 |
| Normalized Income | $10,467,383 | $5,426,558 | $3,684,967 | $25,407,769 |
| Net Income From Continuing And Discontinued Operation | $10,467,383 | $5,426,558 | $3,789,400 | $25,319,795 |
| Net Income Common Stockholders | $10,467,383 | $5,286,158 | $3,620,440 | $23,631,749 |
| Net Income | $10,467,383 | $5,426,558 | $3,789,400 | $25,319,795 |
| Net Income Including Noncontrolling Interests | $11,818,099 | $6,799,619 | $4,212,873 | $28,041,207 |
| Net Income Continuous Operations | $11,818,099 | $6,799,619 | $4,212,873 | $28,041,207 |
| Pretax Income | $14,580,333 | $9,070,526 | $5,331,920 | $36,022,411 |
| Depreciation Amortization Depletion Income Statement | $62,068 | $62,068 | $62,068 | $62,068 |
| Depreciation And Amortization In Income Statement | $62,068 | $62,068 | $62,068 | $62,068 |
| Amortization Of Intangibles Income Statement | $62,068 | $62,068 | $62,068 | $62,068 |
| Special Income Charges | - | $0 | $132,194 | $-113,014 |
| Per Share | ||||
| Diluted EPS | - | $1.07 | $0.73 | $4.84 |
| Basic EPS | - | $1.07 | $0.74 | $4.90 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $27,761 | $-25,040 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $1,773,497 | $1,706,799 | $1,895,237 | $1,900,289 |
| Diluted NI Availto Com Stockholders | $10,467,383 | $5,286,158 | $3,620,440 | $23,631,749 |
| Minority Interests | $-1,350,716 | $-1,373,061 | $-423,473 | $-2,721,412 |
| Tax Provision | $2,762,234 | $2,270,907 | $1,119,047 | $7,981,204 |
| Gain On Sale Of Security | $-496,147 | $-1,685,228 | $-1,381,075 | - |
| Amortization | $62,068 | $62,068 | $62,068 | $62,068 |
| Selling General And Administration | $62,525,848 | $56,729,795 | $61,592,932 | $75,383,534 |
| Insurance And Claims | $2,079,845 | $1,020,706 | $833,603 | $700,560 |
| Salaries And Wages | $59,219,975 | $54,685,623 | $59,731,383 | $73,621,353 |
| Occupancy And Equipment | $2,965,410 | $3,081,789 | $3,357,383 | $3,469,468 |
| Total Unusual Items | - | $0 | $132,194 | $-113,014 |
| Total Unusual Items Excluding Goodwill | - | $0 | $132,194 | $-113,014 |
| Diluted Average Shares | - | $4,936,751 | $4,937,034 | $4,886,531 |
| Basic Average Shares | - | $4,936,751 | $4,919,463 | $4,820,816 |
| Preferred Stock Dividends | - | $140,400 | $168,960 | $258,046 |
| Restructuring And Mergern Acquisition | - | $0 | $-132,194 | $113,014 |
| Otherunder Preferred Stock Dividend | - | - | - | $1,430,000 |
| Other Gand A | - | - | - | $9,824,635 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $46,004,972 | $42,634,586 | $44,844,885 | $40,132,906 |
| Total Assets | $980,006,346 | $931,631,250 | $794,235,413 | $500,383,698 |
| Goodwill And Other Intangible Assets | $47,585,801 | $41,335,790 | $33,838,640 | $36,871,136 |
| Other Intangible Assets | $47,266,734 | $40,912,809 | $33,415,659 | $36,448,155 |
| Prepaid Assets | $7,692,390 | $7,221,801 | $5,502,320 | $3,403,630 |
| Receivables | $10,912,949 | $9,042,159 | $10,394,200 | $5,665,428 |
| Accounts Receivable | $10,912,949 | $9,042,159 | $10,394,200 | $5,665,428 |
| Cash And Cash Equivalents | $29,527,991 | $25,120,714 | $85,673,138 | $96,916,528 |
| Cash Cash Equivalents And Federal Funds Sold | $30,721,066 | $26,213,789 | $86,766,213 | $97,533,589 |
| Debt | ||||
| Net Debt | $102,535,714 | $112,144,567 | - | - |
| Total Debt | $135,837,152 | $141,430,671 | $81,756,736 | $22,716,922 |
| Long Term Debt And Capital Lease Obligation | $135,837,152 | $140,430,671 | $81,756,736 | $22,716,922 |
| Long Term Debt | $132,063,705 | $136,265,281 | $78,693,601 | $18,593,906 |
| Current Debt And Capital Lease Obligation | $0 | $1,000,000 | $0 | - |
| Current Debt | $0 | $1,000,000 | $0 | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $874,454,032 | $837,050,049 | $706,314,124 | $414,565,365 |
| Derivative Product Liabilities | $0 | $825,479 | $0 | $142,529 |
| Non Current Deferred Liabilities | $8,730,648 | $8,926,623 | $6,914,183 | $9,919,117 |
| Non Current Deferred Taxes Liabilities | $8,730,648 | $8,926,623 | $6,914,183 | $9,919,117 |
| Payables And Accrued Expenses | $11,785,968 | $8,226,582 | $10,505,144 | $13,973,652 |
| Payables | $4,160,152 | $3,059,608 | $2,228,334 | $2,723,747 |
| Dividends Payable | $516,952 | $0 | $270,972 | $102,012 |
| Accounts Payable | $3,643,200 | $3,059,608 | $1,957,362 | $2,621,735 |
| Equity | ||||
| Common Stock Equity | $93,590,773 | $83,970,376 | $78,683,501 | $77,004,018 |
| Total Equity Gross Minority Interest | $105,552,314 | $94,581,201 | $87,921,289 | $85,818,333 |
| Stockholders Equity | $93,590,773 | $83,970,376 | $78,683,525 | $77,004,042 |
| Gains Losses Not Affecting Retained Earnings | $703,400 | $-470 | $-1,163 | $1,511 |
| Retained Earnings | $85,195,554 | $76,279,027 | $70,992,869 | $69,672,712 |
| Preferred Stock Equity | - | - | $24 | $24 |
| Long Term Equity Investment | - | - | $1,093,075 | $0 |
| Other | ||||
| Treasury Shares Number | $276,384 | $276,384 | $277,381 | $317,381 |
| Ordinary Shares Number | $4,930,515 | $4,930,515 | $4,929,518 | $4,889,518 |
| Share Issued | $5,206,899 | $5,206,899 | $5,206,899 | $5,206,899 |
| Tangible Book Value | $46,004,972 | $42,634,586 | $44,844,861 | $40,132,882 |
| Invested Capital | $225,654,478 | $221,235,657 | $157,377,102 | $95,597,924 |
| Capital Lease Obligations | $3,773,447 | $4,165,390 | $3,063,135 | $4,123,016 |
| Total Capitalization | $225,654,478 | $220,235,657 | $157,377,126 | $95,597,948 |
| Minority Interest | $11,961,541 | $10,610,825 | $9,237,764 | $8,814,291 |
| Treasury Stock | $338,298 | $338,298 | $2,510,298 | $2,872,298 |
| Additional Paid In Capital | $7,978,048 | $7,978,048 | $10,150,024 | $10,150,024 |
| Capital Stock | $52,069 | $52,069 | $52,093 | $52,093 |
| Common Stock | $52,069 | $52,069 | $52,069 | $52,069 |
| Long Term Capital Lease Obligation | $3,773,447 | $4,165,390 | $3,063,135 | $4,123,016 |
| Long Term Provisions | $438,030 | $549,398 | $616,546 | $1,227,677 |
| Line Of Credit | $0 | $1,000,000 | $0 | - |
| Current Accrued Expenses | $7,625,816 | $5,166,974 | $8,276,810 | $11,249,905 |
| Investments And Advances | $29,808,777 | $33,959,252 | $21,111,542 | $10,245,255 |
| Held To Maturity Securities | $16,592,980 | $17,110,365 | $11,527,546 | $6,089,037 |
| Available For Sale Securities | $10,761,621 | $16,803,275 | $9,522,489 | $3,862,260 |
| Goodwill | $319,067 | $422,981 | $422,981 | $422,981 |
| Net PPE | $13,053,637 | $12,586,287 | $12,050,798 | $14,202,020 |
| Accumulated Depreciation | $-17,862,127 | $-16,150,698 | $-14,521,650 | $-12,717,206 |
| Gross PPE | $30,915,764 | $28,736,985 | $26,572,448 | $26,919,226 |
| Construction In Progress | $53,212 | $741,284 | $68,500 | $1,175,644 |
| Other Properties | $3,686,995 | $4,132,599 | $3,119,662 | $4,184,931 |
| Machinery Furniture Equipment | $18,062,120 | $15,525,755 | $15,132,812 | $13,585,372 |
| Buildings And Improvements | $7,593,074 | $7,293,947 | $7,208,074 | $6,929,879 |
| Land And Improvements | $1,520,363 | $1,043,400 | $1,043,400 | $1,043,400 |
| Other Short Term Investments | $2,454,176 | $45,612 | $61,507 | $293,958 |
| Preferred Stock | - | $0 | $24 | $24 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $17,612,744 | $4,058,469 | $49,613,583 | $55,232,850 |
| Operating Activities | ||||
| Operating Cash Flow | $20,237,127 | $5,225,752 | $50,360,798 | $58,196,475 |
| Cash Flow From Continuing Operating Activities | $20,237,127 | $5,225,752 | $50,360,798 | $58,196,475 |
| Operating Gains Losses | $-33,718,442 | $-26,032,360 | $-27,891,443 | $-74,592,297 |
| Investing Activities | ||||
| Capital Expenditure | $-2,624,383 | $-1,167,283 | $-747,215 | $-2,963,625 |
| Investing Cash Flow | $-53,841,307 | $-202,974,564 | $-365,725,343 | $-81,664,350 |
| Cash Flow From Continuing Investing Activities | $-53,841,307 | $-202,974,564 | $-365,725,343 | $-81,664,350 |
| Net Other Investing Changes | $-2,456,749 | $-1,755,000 | $-3,433,936 | $-390,226 |
| Financing Activities | ||||
| Financing Cash Flow | $38,011,457 | $137,196,388 | $303,504,094 | $-79,359,073 |
| Cash Flow From Continuing Financing Activities | $38,011,457 | $137,196,388 | $303,504,094 | $-79,359,073 |
| Net Other Financing Charges | $-417,711 | $-1,102,520 | $-1,230,197 | - |
| Cash Dividends Paid | $-1,033,904 | $-411,372 | $-2,218,283 | $-2,914,582 |
| Preferred Stock Dividend Paid | $0 | $-411,372 | $0 | $-381,034 |
| Common Stock Dividend Paid | $-1,033,904 | $0 | $-2,218,283 | $-2,533,548 |
| Repurchase Of Capital Stock | - | - | $0 | $-3,900,000 |
| Net Preferred Stock Issuance | - | - | $0 | $-3,900,000 |
| Net Common Stock Issuance | - | - | - | $0 |
| Other | ||||
| Issuance Of Debt | $15,000,000 | $13,500,000 | $14,500,000 | $0 |
| Interest Paid Supplemental Data | $20,888,936 | $15,398,056 | $1,090,986 | $153,003 |
| Income Tax Paid Supplemental Data | $72,165 | $475,800 | $4,690,000 | $6,126,000 |
| End Cash Position | $29,527,991 | $25,120,714 | $85,673,138 | $97,533,589 |
| Beginning Cash Position | $25,120,714 | $85,673,138 | $97,533,589 | $200,360,537 |
| Changes In Cash | $4,407,277 | $-60,552,424 | $-11,860,451 | $-102,826,948 |
| Net Issuance Payments Of Debt | $-1,000,000 | $69,500,000 | $62,965,852 | $-36,043 |
| Net Short Term Debt Issuance | $-16,000,000 | $56,000,000 | $50,000,000 | $0 |
| Net Long Term Debt Issuance | $15,000,000 | $13,500,000 | $12,965,852 | $-36,043 |
| Long Term Debt Issuance | $15,000,000 | $13,500,000 | $14,500,000 | $0 |
| Net Investment Purchase And Sale | $3,805,670 | $-14,040,737 | $-13,348,563 | $-4,924,354 |
| Sale Of Investment | $18,391,682 | $1,798,158 | $1,251,898 | $2,612,131 |
| Purchase Of Investment | $-14,586,012 | $-15,838,895 | $-14,600,461 | $-7,536,485 |
| Net Intangibles Purchase And Sale | $0 | $1,914,962 | $17,538,082 | $0 |
| Sale Of Intangibles | $0 | $1,914,962 | $17,538,082 | $0 |
| Net PPE Purchase And Sale | $-2,624,383 | $-1,167,283 | $-747,215 | $-2,963,625 |
| Purchase Of PPE | $-2,624,383 | $-1,167,283 | $-747,215 | $-2,963,625 |
| Change In Working Capital | $1,193,725 | $-3,579,427 | $-7,677,789 | $-1,251,966 |
| Change In Other Current Liabilities | $3,546,182 | $-2,028,905 | $-3,573,490 | $-2,156,269 |
| Change In Other Current Assets | $-2,352,457 | $-1,550,522 | $-4,104,299 | $904,303 |
| Other Non Cash Items | $33,664,610 | $23,855,323 | $81,621,569 | $102,275,205 |
| Unrealized Gain Loss On Investment Securities | $2,179,212 | $-115,820 | $1,384,108 | $-531,034 |
| Asset Impairment Charge | $103,914 | $0 | - | - |
| Amortization Of Securities | $-113,262 | $-325,427 | $5,452 | $8,476 |
| Deferred Tax | $2,544,551 | $2,012,440 | $-3,004,934 | $2,883,172 |
| Deferred Income Tax | $2,544,551 | $2,012,440 | $-3,004,934 | $2,883,172 |
| Depreciation Amortization Depletion | $1,773,497 | $1,706,799 | $1,895,237 | $1,900,289 |
| Depreciation And Amortization | $1,773,497 | $1,706,799 | $1,895,237 | $1,900,289 |
| Amortization Cash Flow | $62,068 | $62,068 | - | - |
| Amortization Of Intangibles | $62,068 | $62,068 | - | - |
| Depreciation | $1,711,429 | $1,644,731 | - | - |
| Gain Loss On Investment Securities | $-1,683,066 | $1,801,048 | $-3,033 | $-44,966 |
| Net Foreign Currency Exchange Gain Loss | $-136,575 | $-166,081 | $0 | - |
| Net Income From Continuing Operations | $11,818,099 | $6,799,619 | $4,212,873 | $28,041,207 |
| Repayment Of Debt | - | $0 | $-1,534,148 | $-36,043 |
| Proceeds From Stock Option Exercised | - | $0 | $280,000 | $868,000 |
| Long Term Debt Payments | - | $0 | $-1,534,148 | $-36,043 |
| Preferred Stock Payments | - | - | $0 | $-3,900,000 |
| Sale Of PPE | - | - | $50,570 | $99,383 |
| Stock Based Compensation | - | - | $0 | $193,324 |
| Gain Loss On Sale Of PPE | - | - | $0 | $41,109 |
| Common Stock Payments | - | - | - | $0 |
| Net Business Purchase And Sale | - | - | - | $0 |
| Purchase Of Business | - | - | - | $0 |
Fetched: 2026-02-02