UNIB (University Bancorp) Cash per Share: $5.32 (As of Dec. 2025)

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University Bancorp Inc UNIB

60 GF Score

Price $22.25

GF Value $17.86

Valuation Modestly Overvalued

6 Warning Signs

View Full Analysis

What is University Bancorp Cash per Share?

University Bancorp UNIB 60 Cash per Share is $5.32 as of Dec. 2025. GuruFocus rates UNIB with a GF Score™ of 60/100 and a GF Value™ of $17.86 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Cash per Share is calculated as Balance Sheet Cash And Cash Equivalents divided by Shares Outstanding (EOP). University Bancorp's Cash per Share for the quarter that ended in Dec. 2025 was $5.32.

University Bancorp (OTCPK:UNIB) Cash per Share Explanation

Cash per Share represents the liquidity of a compant's assets. A high level of Cash per Share suggests that there's enough money on hand for a company to cover any emergencies and that the company has adequate money to reinvest its business or pay dividends to investors. However, if the ratio is too high, it can also suggeust the inefficiency of management for not making a full usage of the cash.

University Bancorp Cash per Share Related Terms

University Bancorp Cash per Share Historical Data

* Premium members only.

The historical data trend for University Bancorp's Cash 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.

University Bancorp Cash per Share Chart

University Bancorp Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Cash per Share

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19.82

17.38

5.10

5.71

5.32

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
Cash per Share	Get a 7-Day Free Trial															19.82	17.38	5.10	5.71	5.32

60GF Score

University Bancorp Inc UNIB

Cash per Share is just one metric. See GF Score™, valuation, warning signs, and more.

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University Bancorp Cash per Share Calculation

This is the ratio of a company's available cash, including easy to liquidate short-term investment, to its total number of shares outstanding. The result indicates the percentage of a company's share price that is available to spend on company's activities, such as strengthening the business, paying down the debt and making dividend payment to shareholders. It's a reliable indicator of a company's financial health.

University Bancorp's Cash per Share for the fiscal year that ended in Dec. 2025 is calculated as:

Cash per Share	=	Balance Sheet Cash And Cash Equivalents	/	Shares Outstanding (EOP)
	=	27.482	/	5.2
	=	5.32

University Bancorp's Cash per Share for the quarter that ended in Dec. 2025 is calculated as:

Cash per Share	=	Balance Sheet Cash And Cash Equivalents	/	Shares Outstanding (EOP)
	=	27.482	/	5.2
	=	5.32

Frequently Asked Questions Learn more about Cash per Share →

What does a Cash per Share of $5.32 mean?

University Bancorp (UNIB) has a Cash per Share of $5.32 as of Dec. 2025. Cash per share is the per-share value of a company's available cash. View historical data for University Bancorp and its competitors.

Is University Bancorp's Cash per Share too high?

University Bancorp's current Cash per Share is $5.32. Overall, University Bancorp has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does University Bancorp's Cash per Share compare to UNB and FNWB?

University Bancorp's Cash per Share of $5.32 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 Cash per Share for a Banks company?

A good Cash per Share depends on the Banks industry context. However, Cash per Share 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 Cash per Share mean?

A high Cash per Share can signal that a stock is expensive relative to its fundamentals. Cash per share is the per-share value of a company's available cash. View historical data for University Bancorp and its competitors. University Bancorp's current Cash per Share is $5.32. 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 $17.86, compared to a current price of $22.25 — trading 24.6% above its estimated fair value. The current Cash per Share is $5.32. University Bancorp's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is Cash per Share calculated?

Cash per Share is calculated from a company's financial statements. For University Bancorp (UNIB), the current Cash per Share is $5.32 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 $22.25 is trading 24.6% above its estimated GF Value™ of $17.86. GuruFocus considers University Bancorp to be Modestly Overvalued.

Key valuation signals for UNIB:

Cash per Share: $5.32
GF Value™: $17.86 vs. price of $22.25 (24.6% above fair value)
GF Score™: 60/100 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

Industry Financial Services Banks

Comparable Companies UNB FNWB BBNA WSBK BSBK FKYS JFBC MPCB KTHN HARL SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP TSE:8411 MIL:ISP NSE:HDFCBANK NSE:ICICIBANK XMAD:CABK SAU:1120

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

Website https://www.university-bank.com

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.

60GF Score

Get the complete analysis for UNIB

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

$22.25

Price

$17.86

GF Value

View UNIB Analysis

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