UNIB (University Bancorp) EPS (Basic): $1.70 (TTM As of Dec. 2025)


UNIB University Bancorp Inc UNIB
59 GF Score
Price $21.65
GF Value $17.76
Valuation Modestly Overvalued
! 6 Warning Signs
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What is University Bancorp EPS (Basic)?

University Bancorp UNIB -1.14% 59 EPS (Basic) is $1.70 as of Dec. 2025. GuruFocus rates UNIB with a GF Score™ of 59/100 and a GF Value™ of $17.76 (Modestly Overvalued). The stock has 6 warning signs investors should review.

University Bancorp's basic earnings per share (Basic EPS) for the six months ended in Dec. 2025 was $1.70. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.70.

University Bancorp's EPS (Diluted) for the six months ended in Dec. 2025 was $1.70. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.70.

University Bancorp's EPS without NRI for the six months ended in Dec. 2025 was $1.70. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was 1.70.

During the past 12 months, University Bancorp's average EPS without NRIGrowth Rate was -15.80% per year. During the past 3 years, the average EPS without NRI Growth Rate was 33.80% per year. During the past 5 years, the average EPS without NRI Growth Rate was -20.50% per year. During the past 10 years, the average EPS without NRI Growth Rate was 11.60% 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 EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, University Bancorp's highest 3-Year average EPS without NRI Growth Rate was 223.50% per year. The lowest was -41.70% per year. And the median was 7.45% per year.

University Bancorp  (OTCPK:UNIB) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

University Bancorp EPS (Basic) Related Terms

University Bancorp EPS (Basic) Historical Data

* Premium members only.

The historical data trend for University Bancorp's EPS (Basic) 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 EPS (Basic) Chart

University Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.90 0.74 1.07 2.02 1.70

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
EPS (Basic) 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 4.90 0.74 1.07 2.02 1.70
UNIB
59GF Score
University Bancorp Inc UNIB
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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University Bancorp EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

University Bancorp's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(9.022-0.213)/5.170
=1.70

University Bancorp's Basic EPS for the quarter that ended in Dec. 2025 is calculated as

Basic EPS (Q: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(9.022-0.213)/5.170
=1.70

For stock reported annually, GuruFocus uses latest annual data as the TTM data. EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.70

* 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 EPS (Basic) →
What does a EPS (Basic) of $1.70 mean?
University Bancorp (UNIB) has a EPS (Basic) of $1.70 as of Dec. 2025. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on University Bancorp and its competitors.
Is University Bancorp's EPS (Basic) too high?
University Bancorp's current EPS (Basic) is $1.70. 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 EPS (Basic) compare to OFED and CWBK?
University Bancorp's EPS (Basic) of $1.70 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 EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on University Bancorp and its competitors. University Bancorp's current EPS (Basic) is $1.70. 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 $17.76, compared to a current price of $21.65 — trading 21.9% above its estimated fair value. The current EPS (Basic) is $1.70. 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 EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For University Bancorp (UNIB), the current EPS (Basic) is $1.70 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 $21.65 is trading 21.9% above its estimated GF Value™ of $17.76. GuruFocus considers University Bancorp to be Modestly Overvalued.

Key valuation signals for UNIB:

  • EPS (Basic): $1.70
  • GF Value™: $17.76 vs. price of $21.65 (21.9% above fair value)
  • GF Score™: 59/100 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.
59GF Score

Get the complete analysis for UNIB

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.65
Price
$17.76
GF Value