FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
University Bancorp FCF Yield % Related Terms
University Bancorp FCF Yield % Historical Data
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The historical data trend for University Bancorp's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, University Bancorp's FCF Yield % distribution charts can be found below:
* The bar in red indicates where University Bancorp's FCF Yield % 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 Yield % of -33.61 as of Jun. 24, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on University Bancorp and its competitors. According to the industry distribution chart, University Bancorp ranks #1359 out of 1505 companies in the Banks industry, placing it in the top 90.3%.
Is University Bancorp's FCF Yield % too high?
University Bancorp's current FCF Yield % is -33.61. Based on the distribution chart, University Bancorp ranks #1359 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 Yield % compare to OFED and CWBK?
According to the Banks industry distribution chart, University Bancorp ranks #1359 out of 1505 companies for FCF Yield %. This places University Bancorp in the lower half of its industry. The industry median FCF Yield % is 8.26. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.26, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on University Bancorp and its competitors. For the Banks industry, the median FCF Yield % is 8.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. University Bancorp's current FCF Yield % is -33.61. 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 Yield % is -33.61. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For University Bancorp (UNIB), the current FCF Yield % is -33.61 as of Jun. 24, 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 $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 Yield %: -33.61
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
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FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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