EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, University Bancorp's Enterprise Value is $211.9 Mil.
University Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $-37.6 Mil. Therefore, University Bancorp's EV-to-FCF for today is -5.63.
The historical rank and industry rank for University Bancorp's EV-to-FCF or its related term are showing as below:
UNIB'
s EV-to-FCF Range Over the Past 10 Years
Min: -7496.83 Med: 1.58 Max: 162.2
Current: -5.63
During the past 13 years, the highest EV-to-FCF of University Bancorp was 162.20. The lowest was -7496.83. And the median was 1.58.
UNIB's EV-to-FCF is ranked worse than 100% of 1194
companies
in the Banks industry
Industry Median: 6.565
vs UNIB: -5.63
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 $22.18.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
University Bancorp EV-to-FCF Related Terms
University Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for University Bancorp's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, University Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where University Bancorp's EV-to-FCF falls into.
University Bancorp's current Enterprise Value is $211.9 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. University Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $-37.6 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-FCF of -5.63 as of Jul. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on University Bancorp and its competitors. According to the industry distribution chart, University Bancorp ranks #999999 out of 1194 companies in the Banks industry.
Is University Bancorp's EV-to-FCF too high?
University Bancorp's current EV-to-FCF is -5.63. Based on the distribution chart, University Bancorp ranks #999999 out of 1194 companies in the Banks industry, which is in the bottom quartile 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-FCF compare to KTHN and PNBK?
According to the Banks industry distribution chart, University Bancorp ranks #999999 out of 1194 companies for EV-to-FCF. This places University Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.57. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,194 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on University Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. University Bancorp's current EV-to-FCF is -5.63. 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 $17.78, compared to a current price of $22.18 — trading 24.7% above its estimated fair value. The current EV-to-FCF is -5.63. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For University Bancorp (UNIB), the current EV-to-FCF is -5.63 as of Jul. 02, 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 $22.18 is trading 24.7% above its estimated GF Value™ of $17.78.
GuruFocus considers University Bancorp to be Modestly Overvalued.
Key valuation signals for UNIB:
EV-to-FCF: -5.63
GF Value™: $17.78 vs. price of $22.18 (24.7% 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
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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