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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash-to-Debt No Debt
UNIB's Cash-to-Debt is ranked higher than
98% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. UNIB: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
UNIB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.14  Med: 1.41 Max: No Debt
Current: No Debt
Equity-to-Asset 0.08
UNIB's Equity-to-Asset is ranked lower than
70% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. UNIB: 0.08 )
Ranked among companies with meaningful Equity-to-Asset only.
UNIB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.06 Max: 0.13
Current: 0.08
0.04
0.13
Interest Coverage 57.02
UNIB's Interest Coverage is ranked higher than
93% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. UNIB: 57.02 )
Ranked among companies with meaningful Interest Coverage only.
UNIB' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 2.05 Max: 57.02
Current: 57.02
0.02
57.02
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % 11.39
UNIB's Operating Margin % is ranked lower than
85% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. UNIB: 11.39 )
Ranked among companies with meaningful Operating Margin % only.
UNIB' s Operating Margin % Range Over the Past 10 Years
Min: -8.73  Med: 2.92 Max: 23.76
Current: 11.39
-8.73
23.76
Net Margin % 7.46
UNIB's Net Margin % is ranked lower than
86% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. UNIB: 7.46 )
Ranked among companies with meaningful Net Margin % only.
UNIB' s Net Margin % Range Over the Past 10 Years
Min: -10.12  Med: 2.42 Max: 24.22
Current: 7.46
-10.12
24.22
ROE % 25.81
UNIB's ROE % is ranked higher than
96% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. UNIB: 25.81 )
Ranked among companies with meaningful ROE % only.
UNIB' s ROE % Range Over the Past 10 Years
Min: -18.18  Med: 5.88 Max: 47.52
Current: 25.81
-18.18
47.52
ROA % 2.14
UNIB's ROA % is ranked higher than
90% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. UNIB: 2.14 )
Ranked among companies with meaningful ROA % only.
UNIB' s ROA % Range Over the Past 10 Years
Min: -1.24  Med: 0.5 Max: 3.45
Current: 2.14
-1.24
3.45
3-Year Revenue Growth Rate 56.00
UNIB's 3-Year Revenue Growth Rate is ranked higher than
99% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. UNIB: 56.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UNIB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -20.1  Med: 4.7 Max: 92.4
Current: 56
-20.1
92.4
3-Year EBITDA Growth Rate 61.10
UNIB's 3-Year EBITDA Growth Rate is ranked higher than
96% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. UNIB: 61.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UNIB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 23.2 Max: 72.7
Current: 61.1
0
72.7
3-Year EPS without NRI Growth Rate 65.70
UNIB's 3-Year EPS without NRI Growth Rate is ranked higher than
96% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. UNIB: 65.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
UNIB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -100  Med: 5.5 Max: 111
Current: 65.7
-100
111
GuruFocus has detected 1 Warning Sign with University Bancorp Inc $UNIB.
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» UNIB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:BKSC, NAS:BOCH, OTCPK:BERK, NAS:BCBP, NAS:BMRC, AMEX:BHB, NAS:BANF, NAS:BANR, NYSE:BXS, NYSE:BOH, NAS:OZRK, NYSE:BBT » details
University Bancorp Inc provides personal banking, business banking and community banking services. It offers services including checking accunts, savings accounts, consumer loans, deposit accounts, commercial loans, consumer loans, & among others.

University Bancorp Inc is a bank holding company incorporated in 1890. It is a full service community bank, which offers all customary banking services, including the acceptance of checking, savings and time deposits. The Company also makes commercial, real estate, personal, home improvement, automotive and other installment, credit card and consumer loans, and provides fee based services such as annuity sales, life insurance, property casualty insurance and foreign currency exchange. The Company's customer base is located in the Ann Arbor, Michigan metropolitan statistical area.

Ratios

vs
industry
vs
history
PE Ratio 10.56
UNIB's PE Ratio is ranked higher than
64% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. UNIB: 10.56 )
Ranked among companies with meaningful PE Ratio only.
UNIB' s PE Ratio Range Over the Past 10 Years
Min: 3.71  Med: 11.86 Max: 63.94
Current: 10.56
3.71
63.94
PE Ratio without NRI 10.56
UNIB's PE Ratio without NRI is ranked higher than
66% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. UNIB: 10.56 )
Ranked among companies with meaningful PE Ratio without NRI only.
UNIB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.71  Med: 11.86 Max: 63.94
Current: 10.56
3.71
63.94
Price-to-Owner-Earnings 6.48
UNIB's Price-to-Owner-Earnings is ranked higher than
76% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. UNIB: 6.48 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UNIB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.92  Med: 6.72 Max: 60.2
Current: 6.48
1.92
60.2
PB Ratio 2.33
UNIB's PB Ratio is ranked lower than
93% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. UNIB: 2.33 )
Ranked among companies with meaningful PB Ratio only.
UNIB' s PB Ratio Range Over the Past 10 Years
Min: 0.37  Med: 1.54 Max: 4.04
Current: 2.33
0.37
4.04
PS Ratio 0.79
UNIB's PS Ratio is ranked higher than
94% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. UNIB: 0.79 )
Ranked among companies with meaningful PS Ratio only.
UNIB' s PS Ratio Range Over the Past 10 Years
Min: 0.23  Med: 0.84 Max: 1.67
Current: 0.79
0.23
1.67
Price-to-Operating-Cash-Flow 26.83
UNIB's Price-to-Operating-Cash-Flow is ranked lower than
90% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. UNIB: 26.83 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
UNIB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.98  Med: 3.51 Max: 31.55
Current: 26.83
0.98
31.55
EV-to-EBIT -4.59
UNIB's EV-to-EBIT is ranked lower than
99.99% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. UNIB: -4.59 )
Ranked among companies with meaningful EV-to-EBIT only.
UNIB' s EV-to-EBIT Range Over the Past 10 Years
Min: -10.2  Med: -3.1 Max: 61.9
Current: -4.59
-10.2
61.9
EV-to-EBITDA -3.82
UNIB's EV-to-EBITDA is ranked lower than
99.99% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. UNIB: -3.82 )
Ranked among companies with meaningful EV-to-EBITDA only.
UNIB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -53.2  Med: -3.2 Max: 18.6
Current: -3.82
-53.2
18.6
PEG Ratio 0.33
UNIB's PEG Ratio is ranked higher than
90% of the 767 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. UNIB: 0.33 )
Ranked among companies with meaningful PEG Ratio only.
UNIB' s PEG Ratio Range Over the Past 10 Years
Min: 0.31  Med: 0.38 Max: 2.19
Current: 0.33
0.31
2.19
Shiller PE Ratio 54.35
UNIB's Shiller PE Ratio is ranked lower than
92% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.69 vs. UNIB: 54.35 )
Ranked among companies with meaningful Shiller PE Ratio only.
UNIB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 53.75  Med: 61.04 Max: 66.25
Current: 54.35
53.75
66.25

Buy Back

vs
industry
vs
history
5-Year Yield-on-Cost % 1.45
UNIB's 5-Year Yield-on-Cost % is ranked lower than
82% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. UNIB: 1.45 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UNIB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.67
Current: 1.45
0
1.67
3-Year Average Share Buyback Ratio -6.30
UNIB's 3-Year Average Share Buyback Ratio is ranked lower than
71% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. UNIB: -6.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UNIB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -25.3  Med: -2.3 Max: 19.4
Current: -6.3
-25.3
19.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 7.18
UNIB's Price-to-Tangible-Book is ranked lower than
99% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. UNIB: 7.18 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UNIB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.86  Med: 2.02 Max: 18.39
Current: 7.18
0.86
18.39
Price-to-Intrinsic-Value-Projected-FCF 1.58
UNIB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
89% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. UNIB: 1.58 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UNIB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.07  Med: 0.81 Max: 6.5
Current: 1.58
0.07
6.5
Price-to-Median-PS-Value 0.94
UNIB's Price-to-Median-PS-Value is ranked higher than
68% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. UNIB: 0.94 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UNIB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.47  Med: 1.16 Max: 6.08
Current: 0.94
0.47
6.08
Price-to-Peter-Lynch-Fair-Value 0.43
UNIB's Price-to-Peter-Lynch-Fair-Value is ranked higher than
89% of the 437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. UNIB: 0.43 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
UNIB' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.22  Med: 0.41 Max: 2.05
Current: 0.43
0.22
2.05
Price-to-Graham-Number 1.85
UNIB's Price-to-Graham-Number is ranked lower than
95% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. UNIB: 1.85 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UNIB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.34  Med: 1.21 Max: 6.49
Current: 1.85
0.34
6.49
Earnings Yield (Greenblatt) % -21.79
UNIB's Earnings Yield (Greenblatt) % is ranked lower than
92% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. UNIB: -21.79 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UNIB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -21.79  Med: 3.9 Max: 636.9
Current: -21.79
-21.79
636.9
Forward Rate of Return (Yacktman) % 35.26
UNIB's Forward Rate of Return (Yacktman) % is ranked higher than
87% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. UNIB: 35.26 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
UNIB' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -17.9  Med: 3.1 Max: 40
Current: 35.26
-17.9
40

More Statistics

Revenue (TTM) (Mil) $43.56
EPS (TTM) $ 0.64
Beta-0.13
Short Percentage of Float0.00%
52-Week Range $6.40 - 7.95
Shares Outstanding (Mil)5.10

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