University Bancorp's book value per share for the quarter that ended in Dec. 2022 was $15.96.
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.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the book value growth rate using book value per share data.
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.
University Bancorp's current price is $13.02. Its book value per share for the quarter that ended in Dec. 2022 was $15.96. Hence, today's PB Ratio of University Bancorp is 0.82.
During the past 13 years, the highest P/B Ratio of University Bancorp was 4.04. The lowest was 0.82. And the median was 1.78.
Good Sign:
University Bancorp Inc stock PB Ratio (=0.83) is close to 10-year low of 0.83
University Bancorp Book Value per Share Historical Data
The historical data trend for University Bancorp's Book Value per Share 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.
Competitive Comparison of University Bancorp's Book Value per Share
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's PB Ratio Distribution in the Banks Industry
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 Book Value per Share Calculation
University Bancorp's Book Value Per Share for the fiscal year that ended in Dec. 2022 is calculated as:
* 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.
Book value may include intangible items which may come from the company's past acquisitions. Book value less intangibles is called Tangible Book.
University Bancorp (OTCPK:UNIB) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
University Bancorp Book Value per Share Related Terms
Thank you for viewing the detailed overview of University Bancorp's Book Value per Share provided by GuruFocus.com. Please click on the following links to see related term pages.
University Bancorp (University Bancorp) Business Description
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).
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