University Bancorp (University Bancorp) PB Ratio

: 0.83 (As of Today)

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The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-04-23), University Bancorp's share price is $13.20. University Bancorp's Book Value per Share for the quarter that ended in Dec. 2022 was $15.96. Hence, University Bancorp's PB Ratio of today is 0.83.

Good Sign:

University Bancorp Inc stock PB Ratio (=0.83) is close to 10-year low of 0.83

The historical rank and industry rank for University Bancorp's PB Ratio or its related term are showing as below:

UNIB' s PB Ratio Range Over the Past 10 Years
Min: 0.83 Med: 1.78 Max: 4.04
Current: 0.83

During the past 13 years, University Bancorp's highest PB Ratio was 4.04. The lowest was 0.83. And the median was 1.78.

UNIB's PB Ratio is ranked better than
51.64% of 1460 companies
in the Banks industry
Industry Median: 0.85 vs UNIB: 0.83

During the past 12 months, University Bancorp's average Book Value Per Share Growth Rate was 1.40% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 35.30% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 32.90% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 28.00% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of University Bancorp was 47.20% per year. The lowest was -19.40% per year. And the median was 17.70% per year.

Back to Basics: PB Ratio

University Bancorp PB Ratio Historical Data

The historical data trend for University Bancorp's PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

University Bancorp Annual Data

Trend

Dec13

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

PB Ratio

1.55

1.25

1.06

1.43

1.06

University Bancorp Semi-Annual Data
	Dec98	Dec99	Dec00	Dec01	Dec02	Dec03	Dec04	Dec05	Dec06	Dec07	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19	Dec20	Dec21	Dec22
PB Ratio																1.55	1.25	1.06	1.43	1.06

Competitive Comparison

For the Banks - Regional subindustry, University Bancorp's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

University Bancorp PB Ratio Distribution

For the Banks industry and Financial Services sector, University Bancorp's PB Ratio distribution charts can be found below:

* The bar in red indicates where University Bancorp's PB Ratio falls into.

University Bancorp PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

University Bancorp's PB Ratio for today is calculated as follows:

PB Ratio	=	Share Price	/	Book Value per Share (Q: Dec. 2022)
	=	13.20	/	15.962
	=	0.83

It can also be calculated from the numbers for the whole company:

PB Ratio

Market Cap

(Total Stockholders Equity

Preferred Stock)

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.

University Bancorp (OTCPK:UNIB) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.

Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.

University Bancorp PB Ratio Related Terms

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University Bancorp (University Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » University Bancorp Inc (OTCPK:UNIB) » Definitions » PB Ratio

Comparable Companies

Traded in Other Exchanges

N/A

Address

2015 Washtenaw Avenue, Ann Arbor, MI, USA, 48104

Website

https://www.university-bank.com

University Bancorp Inc is a holding company of University Bank (the Bank). It is a full-service community bank, which offers all customary banking services, including the acceptance of checking, savings and time deposits. The bank also makes commercial, real estate, personal, home improvement, automotive and another installment, credit card, and consumer loans, and provides fee-based services such as foreign currency exchange. The company's customer base is primarily located in the Ann Arbor, Michigan metropolitan statistical area. Its segments include The Bank & Midwest (community banking & servicing), ULG (mortgage banking), and UIF (faith-based lending).

Executives

Nicholas K Fortson	officer: CFO	959 MAIDEN LANE, ANN ARBOR MI 48105
Jove Corp	other: Affiliate of majority owner	3220 COOLIDGE HWY, BERKLEY MI 48072
Joseph Lange Ranzini	director, 10 percent owner	959 MAIDEN LANE, ANN ARBOR MI 48105
Stephen Lange Ranzini	director, 10 percent owner, officer: President & CEO	959 MAIDEN LANE, ANN ARBOR MI 48105
Mildred Lange Ranzini	10 percent owner	43 SWEETWATER, BELLE MEAD NJ 08502