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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
99% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.30 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
72% of the 1603 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 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 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
F-Score: 5
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 : 7/10

vs
industry
vs
history
Operating margin (%) 11.39
UNIB's Operating margin (%) is ranked lower than
85% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 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
87% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.26 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
95% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 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
87% of the 1639 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
Revenue Growth (3Y)(%) 59.70
UNIB's Revenue Growth (3Y)(%) is ranked higher than
99% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. UNIB: 59.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UNIB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.1  Med: 4.7 Max: 92.4
Current: 59.7
-20.1
92.4
EBITDA Growth (3Y)(%) 65.00
UNIB's EBITDA Growth (3Y)(%) is ranked higher than
97% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. UNIB: 65.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UNIB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 23.2 Max: 79.3
Current: 65
0
79.3
EPS Growth (3Y)(%) 65.70
UNIB's EPS Growth (3Y)(%) is ranked higher than
95% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. UNIB: 65.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UNIB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 3.15 Max: 123.7
Current: 65.7
-100
123.7
» UNIB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:BVA, OTCPK:NWPP, OTCBB:FETM, NAS:VBFC, OTCBB:ALMG, OTCPK:WDFN, OTCPK:SRYB, OTCPK:UWHR, OTCBB:OTTW, OTCPK:RIVE, OTCPK:SBKK, OTCPK:FAIT, OTCPK:AJSB, OTCPK:CBAF, OTCPK:FPBK, OTCPK:PBCA, NAS:CZFC, OTCPK:FWVB, AMEX:SGB, OTCPK:HBSI » 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
P/E(ttm) 10.63
UNIB's P/E(ttm) is ranked higher than
63% of the 1488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.25 vs. UNIB: 10.63 )
Ranked among companies with meaningful P/E(ttm) only.
UNIB' s P/E(ttm) Range Over the Past 10 Years
Min: 3.34  Med: 11.44 Max: 63.94
Current: 10.63
3.34
63.94
PE(NRI) 10.63
UNIB's PE(NRI) is ranked higher than
63% of the 1488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.29 vs. UNIB: 10.63 )
Ranked among companies with meaningful PE(NRI) only.
UNIB' s PE(NRI) Range Over the Past 10 Years
Min: 3.34  Med: 11.44 Max: 63.94
Current: 10.63
3.34
63.94
Price/Owner Earnings (ttm) 6.07
UNIB's Price/Owner Earnings (ttm) is ranked higher than
78% of the 830 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. UNIB: 6.07 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
UNIB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 1.92  Med: 6.37 Max: 60.2
Current: 6.07
1.92
60.2
P/B 2.34
UNIB's P/B is ranked lower than
90% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. UNIB: 2.34 )
Ranked among companies with meaningful P/B only.
UNIB' s P/B Range Over the Past 10 Years
Min: 0.37  Med: 1.55 Max: 4.04
Current: 2.34
0.37
4.04
P/S 0.74
UNIB's P/S is ranked higher than
94% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. UNIB: 0.74 )
Ranked among companies with meaningful P/S only.
UNIB' s P/S Range Over the Past 10 Years
Min: 0.23  Med: 0.84 Max: 1.67
Current: 0.74
0.23
1.67
POCF 25.09
UNIB's POCF is ranked lower than
91% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.13 vs. UNIB: 25.09 )
Ranked among companies with meaningful POCF only.
UNIB' s POCF Range Over the Past 10 Years
Min: 0.98  Med: 3.62 Max: 29.34
Current: 25.09
0.98
29.34
PEG 0.31
UNIB's PEG is ranked higher than
89% of the 736 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. UNIB: 0.31 )
Ranked among companies with meaningful PEG only.
UNIB' s PEG Range Over the Past 10 Years
Min: 0.19  Med: 0.33 Max: 2.05
Current: 0.31
0.19
2.05
Shiller P/E 57.25
UNIB's Shiller P/E is ranked lower than
94% of the 487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.59 vs. UNIB: 57.25 )
Ranked among companies with meaningful Shiller P/E only.
UNIB' s Shiller P/E Range Over the Past 10 Years
Min: 54  Med: 62.5 Max: 66.25
Current: 57.25
54
66.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.57
UNIB's Dividend Yield is ranked lower than
78% of the 2218 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. UNIB: 1.57 )
Ranked among companies with meaningful Dividend Yield only.
UNIB' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.66
Current: 1.57
0
1.66
Forward Dividend Yield 6.29
UNIB's Forward Dividend Yield is ranked higher than
87% of the 2104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.14 vs. UNIB: 6.29 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.57
UNIB's Yield on cost (5-Year) is ranked lower than
80% of the 2523 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.51 vs. UNIB: 1.57 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UNIB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.66
Current: 1.57
0
1.66
3-Year Average Share Buyback Ratio -6.30
UNIB's 3-Year Average Share Buyback Ratio is ranked lower than
66% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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/Tangible Book 7.23
UNIB's Price/Tangible Book is ranked lower than
98% of the 1582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. UNIB: 7.23 )
Ranked among companies with meaningful Price/Tangible Book only.
UNIB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.86  Med: 2.02 Max: 18.39
Current: 7.23
0.86
18.39
Price/Projected FCF 1.48
UNIB's Price/Projected FCF is ranked lower than
91% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. UNIB: 1.48 )
Ranked among companies with meaningful Price/Projected FCF only.
UNIB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.07  Med: 0.81 Max: 6.5
Current: 1.48
0.07
6.5
Price/Median PS Value 0.88
UNIB's Price/Median PS Value is ranked higher than
74% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. UNIB: 0.88 )
Ranked among companies with meaningful Price/Median PS Value only.
UNIB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.47  Med: 1.15 Max: 6.08
Current: 0.88
0.47
6.08
Price/Peter Lynch Fair Value 0.43
UNIB's Price/Peter Lynch Fair Value is ranked higher than
89% of the 386 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. UNIB: 0.43 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
UNIB' s Price/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/Graham Number 1.85
UNIB's Price/Graham Number is ranked lower than
94% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. UNIB: 1.85 )
Ranked among companies with meaningful Price/Graham Number only.
UNIB' s Price/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) (%) -22.00
UNIB's Earnings Yield (Greenblatt) (%) is ranked lower than
94% of the 1597 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. UNIB: -22.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UNIB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -22  Med: 16.25 Max: 636.9
Current: -22
-22
636.9
Forward Rate of Return (Yacktman) (%) 37.17
UNIB's Forward Rate of Return (Yacktman) (%) is ranked higher than
86% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.09 vs. UNIB: 37.17 )
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: 3.2 Max: 40
Current: 37.17
-17.9
40

More Statistics

Revenue (TTM) (Mil) $43.56
EPS (TTM) $ 0.64
Beta-0.29
Short Percentage of Float0.00%
52-Week Range $5.57 - 8.00
Shares Outstanding (Mil)5.10
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