UNIB (University Bancorp) Gross Loan: $986.9 Mil (As of Dec. 2025)

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UNIB University Bancorp Inc UNIB
58 GF Score
Price $22.00
GF Value $17.92
Valuation Modestly Overvalued
! 6 Warning Signs
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What is University Bancorp Gross Loan?

University Bancorp UNIB 58 Gross Loan is $986.9 Mil as of Dec. 2025. GuruFocus rates UNIB with a GF Score™ of 58/100 and a GF Value™ of $17.92 (Modestly Overvalued). The stock has 6 warning signs investors should review.

University Bancorp's Gross Loan for the quarter that ended in Dec. 2025 was $986.9 Mil.

University Bancorp's quarterly Gross Loan increased from Dec. 2023 ($797.7 Mil) to Dec. 2024 ($837.0 Mil) and increased from Dec. 2024 ($837.0 Mil) to Dec. 2025 ($986.9 Mil).

University Bancorp's annual Gross Loan increased from Dec. 2023 ($797.7 Mil) to Dec. 2024 ($837.0 Mil) and increased from Dec. 2024 ($837.0 Mil) to Dec. 2025 ($986.9 Mil).

University Bancorp Gross Loan Related Terms

University Bancorp Gross Loan Historical Data

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The historical data trend for University Bancorp's Gross Loan 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.

University Bancorp Gross Loan Chart

University Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Gross Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 332.13 622.28 797.73 837.03 986.86

University Bancorp Semi-Annual Data
Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Gross Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 332.13 622.28 797.73 837.03 986.86
UNIB
58GF Score
University Bancorp Inc UNIB
Gross Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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University Bancorp Gross Loan Calculation

Gross Loan represents the sum of all loans (commercial, consumer, mortgage, etc.) as well as leases before any provisions for loan losses or unearned discounts.

Frequently Asked Questions Learn more about Gross Loan →
What does a Gross Loan of $986.9 Mil mean?
University Bancorp (UNIB) has a Gross Loan of $986.9 Mil as of Dec. 2025. Gross Loan is the sum of all loans as well as leases before any provisions for loan losses or unearned discounts. View historical data on University Bancorp and its competitors.
Is University Bancorp's Gross Loan too high?
University Bancorp's current Gross Loan is $986.9 Mil. Overall, University Bancorp has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does University Bancorp's Gross Loan compare to UNB and FNWB?
University Bancorp's Gross Loan of $986.9 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Gross Loan for a Banks company?
A good Gross Loan depends on the Banks industry context. However, Gross Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Gross Loan mean?
A high Gross Loan can signal that a stock is expensive relative to its fundamentals. Gross Loan is the sum of all loans as well as leases before any provisions for loan losses or unearned discounts. View historical data on University Bancorp and its competitors. University Bancorp's current Gross Loan is $986.9 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is University Bancorp stock overvalued right now?
Based on GuruFocus' analysis, University Bancorp (UNIB) is currently considered Modestly Overvalued. The stock's GF Value™ is $17.92, compared to a current price of $22.00 — trading 22.8% above its estimated fair value. The current Gross Loan is $986.9 Mil. University Bancorp's overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Loan calculated?
Gross Loan is calculated from a company's financial statements. For University Bancorp (UNIB), the current Gross Loan is $986.9 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is University Bancorp (UNIB) Overvalued in 2026?

Based on GuruFocus' analysis, University Bancorp stock appears to be overvalued. The current stock price of $22.00 is trading 22.8% above its estimated GF Value™ of $17.92. GuruFocus considers University Bancorp to be Modestly Overvalued.

Key valuation signals for UNIB:

  • Gross Loan: $986.9 Mil
  • GF Value™: $17.92 vs. price of $22.00 (22.8% above fair value)
  • GF Score™: 58/100 with 6 warning signs

No single metric tells the full story. See the UNIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

University Bancorp Business Description

Address 2015 Washtenaw Avenue, Ann Arbor, MI, USA, 48104
University Bancorp Inc is a holding company. It is a full-service community bank that 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 located in the Ann Arbor, Michigan metropolitan statistical area.
58GF Score

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Gross Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$22.00
Price
$17.92
GF Value