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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 11, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	125	85	74	84	110	60
Market Cap Growth	60.18%	15.35%	-11.45%	-24.26%	84.21%	42.68%
Last Close Price	24.24	16.09	14.46	16.32	21.17	11.52
PE Ratio	-	8.15	13.99	23.07	4.67	2.16
PS Ratio	-	0.83	0.84	0.91	0.83	0.45
PB Ratio	1.35	0.81	0.78	0.95	1.28	0.95
P/FCF Ratio	-	4.84	18.22	1.68	2.00	-
P/OCF Ratio	-	4.22	14.15	1.66	1.90	-
Debt / Equity Ratio	0.46	1.29	1.50	0.93	0.27	0.37
Debt / FCF Ratio	-	7.71	35.05	1.65	0.41	-
Return on Equity (ROE)	-	11.81%	7.44%	4.84%	37.68%	61.48%
Return on Assets (ROA)	-	1.24%	0.79%	0.65%	5.30%	6.68%
Earnings Yield	-	12.27%	7.34%	4.54%	22.96%	46.78%
FCF Yield	-	20.65%	5.49%	59.41%	50.09%	-39.02%
Dividend Yield	0.41%	0.62%	-	2.76%	1.80%	1.30%
Payout Ratio	-	9.88%	7.58%	58.54%	11.51%	0.54%
Buyback Yield / Dilution	-	-4.71%	0.01%	-1.03%	6.28%	0.22%
Total Shareholder Return	0.42%	-4.09%	0.01%	1.72%	8.08%	1.53%

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