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GuruFocus has detected 2 Warning Signs with University Bancorp Inc $UNIB.
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University Bancorp Inc (OTCPK:UNIB)
EV-to-EBITDA
-0.23 (As of Today)

EV/EBITDA ratio is calculated as enterprise value divided by its EBITDA. As of today, University Bancorp Inc's enterprise value is $-1.66 Mil. University Bancorp Inc's earnings before depreciation and amortization for the trailing twelve months (TTM) ended in Dec. 2016 was $7.13 Mil. Therefore, University Bancorp Inc's EV/EBITDA ratio for today is -0.23.

UNIB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -53.2   Max: 18.6
Current: -0.23

-53.2
18.6

During the past 13 years, the highest EV/EBITDA Ratio of University Bancorp Inc was 18.60. The lowest was -53.20. And the median was -3.00.

UNIB's EV-to-EBITDA is ranked lower than
99.99% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. UNIB: -0.23 )

EV/EBITDA (Enterprise value/EBITDA) is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the P/E Ratio to determine the fair market value of a company.

As of today, University Bancorp Inc's stock price is $7.00. University Bancorp Inc's earnings per share for the trailing twelve months (TTM) ended in Dec. 2016 was $0.75. Therefore, University Bancorp Inc's P/E Ratio for today is 9.38.

The "classic" EV/EBITDA ratio is much better in capturing debt and net cash than the P/E Ratio.


Definition

University Bancorp Inc's EV/EBITDA for today is calculated as:

EV/EBITDA=Enterprise Value (Today)/Earnings Before Depreciation and Amortization (TTM)
=-1.655/7.132
=-0.23

University Bancorp Inc's current Enterprise Value is $-1.66 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. University Bancorp Inc's Earnings Before Depreciation and Amortization for the trailing twelve months (TTM) ended in Dec. 2016 was $7.13 Mil.

* All numbers are in millions except for per share data and ratio. All numbers are in their local exchange's currency.


Explanation

EV/EBITDA (Enterprise value/EBITDA) is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the P/E Ratio to determine the fair market value of a company.

University Bancorp Inc's P/E Ratio for today is calculated as:

P/E Ratio=Share Price (Today)/Earnings Per Share (TTM)
=7.00/0.746
=9.38

University Bancorp Inc's share price for today is $7.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. University Bancorp Inc's Earnings Per Share for the trailing twelve months (TTM) ended in Dec. 2016 was $0.75.

* All numbers are in millions except for per share data and ratio. All numbers are in their local exchange's currency.

Study has found that the companies with the lowest EV/EBITDA outperforms companies measured as cheap by other ratios such as P/E Ratio.

Please read Which price ratio outperforms the enterprise multiple?


Related Terms

Enterprise Value, Earnings Before Depreciation and Amortization, P/E Ratio


Historical Data

* All numbers are in millions except for per share data and ratio. All numbers are in their local exchange's currency.

University Bancorp Inc Annual Data

Dec02Dec03Dec04Dec05Dec06Dec07Dec13Dec14Dec15Dec16
ev2ebitda 0.766.8016.530.93-47.62-1.261.4914.48-4.06-0.09

University Bancorp Inc Semi-Annual Data

Dec02Dec03Dec04Dec05Dec06Dec07Dec13Dec14Dec15Dec16
ev2ebitda 0.766.8016.530.93-47.62-1.261.4914.48-4.06-0.09
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