University Bancorp Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	2018 - 2014
Period Ending	Apr '25 Apr 1, 2025	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	2018 - 2014
Market Capitalization	80	74	84	110	60	42	Upgrade
Market Cap Growth	76.26%	-11.45%	-24.26%	84.21%	42.68%	-10.41%	Upgrade
Last Close Price	15.60	14.73	16.63	21.57	11.73	7.44	Upgrade
PE Ratio	14.58	13.99	23.07	4.67	2.16	12.68	Upgrade
PS Ratio	0.87	0.84	0.91	0.83	0.45	0.61	Upgrade
PB Ratio	0.96	0.78	0.95	1.28	0.95	1.13	Upgrade
P/FCF Ratio	19.73	18.22	1.68	2.00	-	-	Upgrade
P/OCF Ratio	14.15	14.15	1.66	1.90	-	-	Upgrade
Debt / Equity Ratio	1.50	1.50	0.93	0.27	0.37	0.24	Upgrade
Debt / FCF Ratio	35.05	35.05	1.65	0.41	-	-	Upgrade
Return on Equity (ROE)	7.44%	7.44%	4.84%	37.68%	61.48%	10.85%	Upgrade
Return on Assets (ROA)	0.79%	0.79%	0.65%	5.30%	6.68%	1.25%	Upgrade
Earnings Yield	6.60%	7.34%	4.54%	22.96%	46.78%	8.62%	Upgrade
FCF Yield	5.07%	5.49%	59.41%	50.09%	-39.02%	-134.68%	Upgrade
Dividend Yield	0.64%	-	2.71%	1.76%	1.28%	-	Upgrade
Payout Ratio	7.58%	7.58%	58.54%	11.51%	0.54%	6.47%	Upgrade
Buyback Yield / Dilution	5.53%	0.01%	-1.03%	6.28%	0.22%	0.26%	Upgrade
Total Shareholder Return	6.17%	0.01%	1.67%	8.05%	1.50%	0.26%	Upgrade

Source: S&P Global Market Intelligence. Banks template. Financial Sources.