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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 18.03
OTCPK:UNIB's Cash-to-Debt is ranked higher than
71% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. OTCPK:UNIB: 18.03 )
Ranked among companies with meaningful Cash-to-Debt only.
OTCPK:UNIB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.14  Med: 1.63 Max: No Debt
Current: 18.03
Equity-to-Asset 0.10
OTCPK:UNIB's Equity-to-Asset is ranked lower than
53% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OTCPK:UNIB: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
OTCPK:UNIB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.06 Max: 0.13
Current: 0.1
0.04
0.13
Interest Coverage 38.31
OTCPK:UNIB's Interest Coverage is ranked higher than
93% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. OTCPK:UNIB: 38.31 )
Ranked among companies with meaningful Interest Coverage only.
OTCPK:UNIB' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 3.78 Max: 57.02
Current: 38.31
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 % 12.07
OTCPK:UNIB's Operating Margin % is ranked lower than
86% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. OTCPK:UNIB: 12.07 )
Ranked among companies with meaningful Operating Margin % only.
OTCPK:UNIB' s Operating Margin % Range Over the Past 10 Years
Min: -8.73  Med: 5.93 Max: 23.76
Current: 12.07
-8.73
23.76
Net Margin % 7.49
OTCPK:UNIB's Net Margin % is ranked lower than
88% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. OTCPK:UNIB: 7.49 )
Ranked among companies with meaningful Net Margin % only.
OTCPK:UNIB' s Net Margin % Range Over the Past 10 Years
Min: -10.12  Med: 3.93 Max: 24.22
Current: 7.49
-10.12
24.22
ROE % 23.14
OTCPK:UNIB's ROE % is ranked higher than
93% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. OTCPK:UNIB: 23.14 )
Ranked among companies with meaningful ROE % only.
OTCPK:UNIB' s ROE % Range Over the Past 10 Years
Min: -18.18  Med: 8.54 Max: 47.52
Current: 23.14
-18.18
47.52
ROA % 2.04
OTCPK:UNIB's ROA % is ranked higher than
86% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. OTCPK:UNIB: 2.04 )
Ranked among companies with meaningful ROA % only.
OTCPK:UNIB' s ROA % Range Over the Past 10 Years
Min: -1.24  Med: 0.64 Max: 3.45
Current: 2.04
-1.24
3.45
3-Year Revenue Growth Rate 3.10
OTCPK:UNIB's 3-Year Revenue Growth Rate is ranked lower than
57% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. OTCPK:UNIB: 3.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
OTCPK:UNIB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -20.1  Med: 3.9 Max: 92.4
Current: 3.1
-20.1
92.4
3-Year EBITDA Growth Rate 8.80
OTCPK:UNIB's 3-Year EBITDA Growth Rate is ranked higher than
57% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. OTCPK:UNIB: 8.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
OTCPK:UNIB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 16 Max: 72.7
Current: 8.8
0
72.7
GuruFocus has detected 2 Warning Signs with University Bancorp Inc $OTCPK:UNIB.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» OTCPK:UNIB's 30-Y Financials

Financials


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

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCPK:FWVB, OTCPK:PMHG, OTCPK:TBNC, OTCPK:SBTB, NAS:CFBK, OTCPK:UWHR, OTCPK:STBI, NAS:CART, OTCPK:NWPP, OTCPK:HFBK, OTCPK:FFNM, OTCBB:BNNP, NAS:HVBC, OTCPK:MNBP, OTCPK:WEIN, OTCPK:CFST, OTCPK:PARA, NAS:VBFC, OTCPK:PBNK, NAS:GLBZ » details
Headquarter Location:USA
University Bancorp Inc provides personal banking, business banking and community banking services. It offers services including checking accounts, 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 9.33
UNIB's PE Ratio is ranked higher than
76% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. UNIB: 9.33 )
Ranked among companies with meaningful PE Ratio only.
UNIB' s PE Ratio Range Over the Past 10 Years
Min: 3.71  Med: 11.93 Max: 63.94
Current: 9.33
3.71
63.94
PE Ratio without NRI 9.33
UNIB's PE Ratio without NRI is ranked higher than
76% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. UNIB: 9.33 )
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: 11.93 Max: 63.94
Current: 9.33
3.71
63.94
Price-to-Owner-Earnings 6.35
UNIB's Price-to-Owner-Earnings is ranked higher than
76% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. UNIB: 6.35 )
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: 6.66 Max: 60.2
Current: 6.35
1.92
60.2
PB Ratio 1.98
UNIB's PB Ratio is ranked lower than
85% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. UNIB: 1.98 )
Ranked among companies with meaningful PB Ratio only.
UNIB' s PB Ratio Range Over the Past 10 Years
Min: 0.37  Med: 1.55 Max: 4.04
Current: 1.98
0.37
4.04
PS Ratio 0.70
UNIB's PS Ratio is ranked higher than
96% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. UNIB: 0.70 )
Ranked among companies with meaningful PS Ratio only.
UNIB' s PS Ratio Range Over the Past 10 Years
Min: 0.23  Med: 0.82 Max: 1.67
Current: 0.7
0.23
1.67
PEG Ratio 0.14
UNIB's PEG Ratio is ranked higher than
98% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. UNIB: 0.14 )
Ranked among companies with meaningful PEG Ratio only.
UNIB' s PEG Ratio Range Over the Past 10 Years
Min: 0.13  Med: 0.38 Max: 2.19
Current: 0.14
0.13
2.19
Shiller PE Ratio 30.87
UNIB's Shiller PE Ratio is ranked lower than
78% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.16 vs. UNIB: 30.87 )
Ranked among companies with meaningful Shiller PE Ratio only.
UNIB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 27.83  Med: 55.83 Max: 66.25
Current: 30.87
27.83
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
84% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 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
69% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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: 19.9
Current: -6.3
-25.3
19.9

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 5.56
UNIB's Price-to-Tangible-Book is ranked lower than
98% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. UNIB: 5.56 )
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: 2.06 Max: 18.39
Current: 5.56
0.86
18.39
Price-to-Median-PS-Value 0.86
UNIB's Price-to-Median-PS-Value is ranked higher than
82% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. UNIB: 0.86 )
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: 0.48  Med: 1.15 Max: 6.29
Current: 0.86
0.48
6.29
Price-to-Peter-Lynch-Fair-Value 0.38
UNIB's Price-to-Peter-Lynch-Fair-Value is ranked higher than
93% of the 464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. UNIB: 0.38 )
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: 0.38
0.22
2.05
Price-to-Graham-Number 1.52
UNIB's Price-to-Graham-Number is ranked lower than
86% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. UNIB: 1.52 )
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: 1.39 Max: 6.49
Current: 1.52
0.34
6.49
Earnings Yield (Greenblatt) % -371.26
UNIB's Earnings Yield (Greenblatt) % is ranked lower than
99% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. UNIB: -371.26 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UNIB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -2153.9  Med: -13.9 Max: 4666.9
Current: -371.26
-2153.9
4666.9
Forward Rate of Return (Yacktman) % 63.90
UNIB's Forward Rate of Return (Yacktman) % is ranked higher than
94% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.14 vs. UNIB: 63.90 )
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: 3.4 Max: 64
Current: 63.9
-17.9
64

More Statistics

Revenue (TTM) (Mil) $50.79
EPS (TTM) $ 0.75
Beta0.08
Short Percentage of Float0.00%
52-Week Range $6.40 - 7.60
Shares Outstanding (Mil)5.10
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More From Other Websites
University Bancorp 1Q2017 Net Income $900,023, $0.175 per Share; First Quarter Revenue Rises 41.7%... Jun 19 2017
University Bancorp 2016 Net Income $3,806,197, $0.75 per Share; Return on Equity Is 25.7% While... Apr 07 2017
University Bancorp Sets Annual Meeting Date as December 23, 2016 Noon EST Dec 21 2016
University Bancorp, Inc.: Strong price momentum but will it sustain? Nov 01 2016
University Bancorp 1Q2016 Net Loss $224,897, $0.044 per Share Jun 15 2016
University Bank Hosting "Feeding Children in Flint" Fundraiser Jun 03 2016
American Banker Notes University Bancorp Was the #1 Top Performing Publicly Traded Banking Firm... May 02 2016
Michigan community bank plans US-domiciled Islamic bonds Apr 19 2016
University Bank Issues $2.5 Million 5.75% Perpetual Note Apr 06 2016
University Bancorp 2015 Net Income $3,139,217, $0.618 per Share Apr 01 2016
University Bancorp's First Dividend: $0.107 Per Share Feb 01 2016
University Bancorp Sets Annual Meeting Date as December 7, 2015 12:30 P.M. EST Nov 30 2015

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