University Bancorp Statistics

Total Valuation

UNIB has a market cap or net worth of 127.22 million.

Market Cap	127.22M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Wednesday, April 1, 2026.

Earnings Date	Apr 1, 2026
Ex-Dividend Date	Dec 1, 2025

Share Statistics

UNIB has 5.17 million shares outstanding. The number of shares has increased by 5.79% in one year.

Current Share Class	5.17M
Shares Outstanding	5.17M
Shares Change (YoY)	+5.79%
Shares Change (QoQ)	+20.90%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	0.00%
Float	n/a

Valuation Ratios

PE Ratio	n/a
Forward PE	n/a
PS Ratio	n/a
PB Ratio	1.37
P/TBV Ratio	1.37
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on Equity (ROE)	n/a
Return on Assets (ROA)	n/a
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	81
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	n/a
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +33.72% in the last 52 weeks. The beta is 0.19, so UNIB's price volatility has been lower than the market average.

Beta (5Y)	0.19
52-Week Price Change	+33.72%
50-Day Moving Average	17.40
200-Day Moving Average	15.57
Relative Strength Index (RSI)	94.88
Average Volume (20 Days)	616

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

Revenue	n/a
Gross Profit	n/a
Operating Income	n/a
Pretax Income	n/a
Net Income	n/a
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	n/a

Full Income Statement

Balance Sheet

The company has 14.91 million in cash and 43.00 million in debt, with a net cash position of -28.09 million or -5.43 per share.

Cash & Cash Equivalents	14.91M
Total Debt	43.00M
Net Cash	-28.09M
Net Cash Per Share	-5.43
Equity (Book Value)	93.13M
Book Value Per Share	18.02
Working Capital	-26.85M

Full Balance Sheet

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	n/a
Pretax Margin	n/a
Profit Margin	n/a
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.20, which amounts to a dividend yield of 0.85%.

Dividend Per Share	0.20
Dividend Yield	0.85%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	1
Payout Ratio	n/a
Buyback Yield	-5.79%
Shareholder Yield	-4.94%
Earnings Yield	n/a
FCF Yield	n/a

Dividend Details

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

Stock Splits

The last stock split was on February 25, 1998. It was a forward split with a ratio of 1.5.

Last Split Date	Feb 25, 1998
Split Type	Forward
Split Ratio	1.5

Scores

Altman Z-Score	n/a
Piotroski F-Score	n/a