UNIB (University Bancorp) Debt-to-Asset : 0.10 (As of Dec. 2025)

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UNIB University Bancorp Inc UNIB
58 GF Score
Price $22.06
GF Value $17.95
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is University Bancorp Debt-to-Asset?

University Bancorp UNIB -0.43% 58 Debt-to-Asset is 0.10 as of Dec. 2025. GuruFocus rates UNIB with a GF Score™ of 58/100 and a GF Value™ of $17.95 (Modestly Overvalued). The stock has 6 warning signs investors should review.

University Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $66.4 Mil. University Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $45.4 Mil. University Bancorp's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Dec. 2025 was $1,144.2 Mil. University Bancorp's debt to asset for the quarter that ended in Dec. 2025 was 0.10.

University Bancorp  (OTCPK:UNIB) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

University Bancorp Debt-to-Asset Related Terms

University Bancorp Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for University Bancorp's Debt-to-Asset 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 Debt-to-Asset Chart

University Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.05 0.10 0.15 0.14 0.10

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
Debt-to-Asset 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 0.05 0.10 0.15 0.14 0.10

UNIB vs UNB, FNWB, BBNA: Debt-to-Asset Comparison

For the Banks - Regional subindustry, University Bancorp's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, University Bancorp's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where University Bancorp's Debt-to-Asset falls into.


UNIB
58GF Score
University Bancorp Inc UNIB
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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University Bancorp Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

University Bancorp's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(66.43 + 45.391) / 1144.197
=0.10

University Bancorp's Debt-to-Asset for the quarter that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(66.43 + 45.391) / 1144.197
=0.10

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.10 mean?
University Bancorp (UNIB) has a Debt-to-Asset of 0.10 as of Dec. 2025. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on University Bancorp and its competitors.
Is University Bancorp's Debt-to-Asset too high?
University Bancorp's current Debt-to-Asset is 0.10. 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 Debt-to-Asset compare to UNB and FNWB?
University Bancorp's Debt-to-Asset of 0.10 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 Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on University Bancorp and its competitors. University Bancorp's current Debt-to-Asset is 0.10. 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 $17.95, compared to a current price of $22.06 — trading 22.9% above its estimated fair value. The current Debt-to-Asset is 0.10. 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 Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For University Bancorp (UNIB), the current Debt-to-Asset is 0.10 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 $22.06 is trading 22.9% above its estimated GF Value™ of $17.95. GuruFocus considers University Bancorp to be Modestly Overvalued.

Key valuation signals for UNIB:

  • Debt-to-Asset: 0.10
  • GF Value™: $17.95 vs. price of $22.06 (22.9% 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

Get the complete analysis for UNIB

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

$22.06
Price
$17.95
GF Value