UNIB (University Bancorp) Long-Term Debt: $42.2 Mil (As of Dec. 2025)


UNIB University Bancorp Inc UNIB
57 GF Score
Price $22.50
GF Value $17.79
Valuation Modestly Overvalued
! 6 Warning Signs
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What is University Bancorp Long-Term Debt?

University Bancorp UNIB +1.44% 57 Long-Term Debt is $42.2 Mil as of Dec. 2025. GuruFocus rates UNIB with a GF Score™ of 57/100 and a GF Value™ of $17.79 (Modestly Overvalued). The stock has 6 warning signs investors should review.

University Bancorp's Long-Term Debt for the quarter that ended in Dec. 2025 was $42.2 Mil.

University Bancorp's quarterly Long-Term Debt declined from Dec. 2023 ($136.3 Mil) to Dec. 2024 ($42.1 Mil) but then increased from Dec. 2024 ($42.1 Mil) to Dec. 2025 ($42.2 Mil).

University Bancorp's annual Long-Term Debt declined from Dec. 2023 ($136.3 Mil) to Dec. 2024 ($42.1 Mil) but then increased from Dec. 2024 ($42.1 Mil) to Dec. 2025 ($42.2 Mil).

University Bancorp  (OTCPK:UNIB) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

University Bancorp Long-Term Debt Related Terms

University Bancorp Long-Term Debt Historical Data

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The historical data trend for University Bancorp's Long-Term Debt 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 Long-Term Debt Chart

University Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 18.59 78.69 136.27 42.06 42.18

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
Long-Term Debt 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 18.59 78.69 136.27 42.06 42.18
UNIB
57GF Score
University Bancorp Inc UNIB
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $42.2 Mil mean?
University Bancorp (UNIB) has a Long-Term Debt of $42.2 Mil as of Dec. 2025.
Is University Bancorp's Long-Term Debt too high?
University Bancorp's current Long-Term Debt is $42.2 Mil. Overall, University Bancorp has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does University Bancorp's Long-Term Debt compare to KTHN and PNBK?
University Bancorp's Long-Term Debt of $42.2 Mil 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 Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. University Bancorp's current Long-Term Debt is $42.2 Mil. 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 $17.79, compared to a current price of $22.50 — trading 26.5% above its estimated fair value. The current Long-Term Debt is $42.2 Mil. University Bancorp's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For University Bancorp (UNIB), the current Long-Term Debt is $42.2 Mil 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 $22.50 is trading 26.5% above its estimated GF Value™ of $17.79. GuruFocus considers University Bancorp to be Modestly Overvalued.

Key valuation signals for UNIB:

  • Long-Term Debt: $42.2 Mil
  • GF Value™: $17.79 vs. price of $22.50 (26.5% above fair value)
  • GF Score™: 57/100 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.
57GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$22.50
Price
$17.79
GF Value