University Bancorp has the GF Score of 59, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes University Bancorp
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
University Bancorp (OTCPK:UNIB) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
University Bancorp GF Score Related Terms
UNIB vs OFED, CWBK, MGYR: GF Score Comparison
For the Banks - Regional subindustry, University Bancorp's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, University Bancorp's GF Score distribution charts can be found below:
* The bar in red indicates where University Bancorp's GF Score falls into.
University Bancorp (UNIB) has a GF Score of 59 as of Jun. 28, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on University Bancorp and its competitors. This is 17% below median its historical median of 71.00. Over the past decade, University Bancorp's GF Score has ranged from 52.00 to 86.00.
Is University Bancorp's GF Score too high?
University Bancorp's current GF Score of 59 is 17% below median its 10-year median of 71.00. Over the past 10 years, this metric has ranged from a low of 52.00 to a high of 86.00. 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 GF Score compare to OFED and CWBK?
University Bancorp's GF Score of 59 can be compared against companies in the Banks industry. Historically, University Bancorp's own GF Score has ranged from 52.00 to 86.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on University Bancorp and its competitors. University Bancorp's current GF Score is 59, which is 17% below median its own 10-year median of 71.00. 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 $17.77, compared to a current price of $21.91 — trading 23.3% above its estimated fair value. The current GF Score is 59, which is 17% below median its 10-year median of 71.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For University Bancorp (UNIB), the current GF Score is 59 as of Jun. 28, 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 $21.91 is trading 23.3% above its estimated GF Value™ of $17.77.
GuruFocus considers University Bancorp to be Modestly Overvalued.
Key valuation signals for UNIB:
GF Score: 59 (17% below median its 10-year median of 71.00)
GF Value™: $17.77 vs. price of $21.91 (23.3% 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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