The historical rank and industry rank for University Bancorp's FCF Margin % or its related term are showing as below:
UNIB'
s FCF Margin % Range Over the Past 10 Years
Min: -86.16 Med: -3.21 Max: 57.41
Current: -34.99
During the past 13 years, the highest FCF Margin % of University Bancorp was 57.41%. The lowest was -86.16%. And the median was -3.21%.
UNIB's FCF Margin % is ranked worse than 82.86% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs UNIB: -34.99
University Bancorp FCF Margin % Related Terms
University Bancorp FCF Margin % Historical Data
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The historical data trend for University Bancorp's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, University Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where University Bancorp's FCF Margin % falls into.
* 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 FCF Margin % of -34.99% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on University Bancorp and its competitors. According to the industry distribution chart, University Bancorp ranks #1247 out of 1505 companies in the Banks industry, placing it in the top 82.9%.
Is University Bancorp's FCF Margin % too high?
University Bancorp's current FCF Margin % is -34.99%. Based on the distribution chart, University Bancorp ranks #1247 out of 1505 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 FCF Margin % compare to OFED and CWBK?
According to the Banks industry distribution chart, University Bancorp ranks #1247 out of 1505 companies for FCF Margin %. This places University Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.42. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on University Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. University Bancorp's current FCF Margin % is -34.99%. 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 FCF Margin % is -34.99%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For University Bancorp (UNIB), the current FCF Margin % is -34.99% 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:
FCF Margin %: -34.99%
GF Value™: $17.76 vs. price of $21.65 (21.9% 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
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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