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EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, University Bancorp's Enterprise Value is $213.6 Mil.
University Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $-36.5 Mil. Therefore, University Bancorp's EV-to-OCF for today is -5.86.
The historical rank and industry rank for University Bancorp's EV-to-OCF or its related term are showing as below:
UNIB'
s EV-to-OCF Range Over the Past 10 Years
Min: -18.9 Med: 1.31 Max: 332.13
Current: -5.86
During the past 13 years, the highest EV-to-OCF of University Bancorp was 332.13. The lowest was -18.90. And the median was 1.31.
UNIB's EV-to-OCF is ranked better than 85.05% of 1498
companies
in the Banks industry
Industry Median: 3.98
vs UNIB: -5.86
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
University Bancorp (OTCPK:UNIB) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
University Bancorp's PE Ratio (TTM) for today is calculated as:
University Bancorp's share price for today is $22.50.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. University Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.700.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
University Bancorp EV-to-OCF Related Terms
University Bancorp EV-to-OCF Historical Data
* Premium members only.
The historical data trend for University Bancorp's EV-to-OCF 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.
For the Banks - Regional subindustry, University Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, University Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where University Bancorp's EV-to-OCF falls into.
University Bancorp's current Enterprise Value is $213.6 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. University Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $-36.5 Mil.
* 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 (UNIB) has a EV-to-OCF of -5.86 as of Aug. 08, 2026. According to the industry distribution chart, University Bancorp ranks #224 out of 1498 companies in the Banks industry, placing it in the top 15%.
Is University Bancorp's EV-to-OCF too high?
University Bancorp's current EV-to-OCF is -5.86. Based on the distribution chart, University Bancorp ranks #224 out of 1498 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, University Bancorp has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does University Bancorp's EV-to-OCF compare to UNB and FNWB?
According to the Banks industry distribution chart, University Bancorp ranks #224 out of 1498 companies for EV-to-OCF. This places University Bancorp in the top 15% of its industry — outperforming the majority of peers. The industry median EV-to-OCF is 3.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. University Bancorp's current EV-to-OCF is -5.86. 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 $17.89, compared to a current price of $22.50 — trading 25.8% above its estimated fair value. The current EV-to-OCF is -5.86. University Bancorp's overall GF Score™ is 59/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For University Bancorp (UNIB), the current EV-to-OCF is -5.86 as of Aug. 08, 2026. 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 $22.50 is trading 25.8% above its estimated GF Value™ of $17.89.
GuruFocus considers University Bancorp to be Modestly Overvalued.
Key valuation signals for UNIB:
EV-to-OCF: -5.86
GF Value™: $17.89 vs. price of $22.50 (25.8% above fair value)
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 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.
59GF Score
Get the complete analysis for UNIB
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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