UNIB (University Bancorp) LT-Debt-to-Total-Asset: 0.04 (As of Dec. 2025)

What is University Bancorp LT-Debt-to-Total-Asset?

University Bancorp UNIB +0.05% 59 LT-Debt-to-Total-Asset is 0.04 as of Dec. 2025. GuruFocus rates UNIB with a GF Score™ of 59/100 and a GF Value™ of $17.77 (Modestly Overvalued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. University Bancorp's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.04.

University Bancorp's long-term debt to total assets ratio declined from Dec. 2023 (0.15) to Dec. 2025 (0.04). It may suggest that University Bancorp is progressively becoming less dependent on debt to grow their business.

University Bancorp (OTCPK:UNIB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

University Bancorp LT-Debt-to-Total-Asset Related Terms

University Bancorp LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for University Bancorp's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

University Bancorp Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

Get a 7-Day Free Trial

0.05

0.10

0.15

0.05

0.04

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.05	0.10	0.15	0.05	0.04

59GF Score

University Bancorp Inc UNIB

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

University Bancorp LT-Debt-to-Total-Asset Calculation

University Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	45.391	/	1144.197
	=	0.04

University Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	45.391	/	1144.197
	=	0.04

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.04 mean?

University Bancorp (UNIB) has a LT-Debt-to-Total-Asset of 0.04 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on University Bancorp and its competitors.

Is University Bancorp's LT-Debt-to-Total-Asset too high?

University Bancorp's current LT-Debt-to-Total-Asset is 0.04. 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 LT-Debt-to-Total-Asset compare to KTHN and PNBK?

University Bancorp's LT-Debt-to-Total-Asset of 0.04 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on University Bancorp and its competitors. University Bancorp's current LT-Debt-to-Total-Asset is 0.04. 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 LT-Debt-to-Total-Asset is 0.04. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For University Bancorp (UNIB), the current LT-Debt-to-Total-Asset is 0.04 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 $21.91 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:

LT-Debt-to-Total-Asset: 0.04
GF Value™: $17.77 vs. price of $21.91 (23.3% above fair value)
GF Score™: 59/100 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

Industry Financial Services Banks

Comparable Companies KTHN PNBK FKYS CNBP MPCB UNB BOTJ MGYR CWBK JFBC SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 2015 Washtenaw Avenue, Ann Arbor, MI, USA, 48104

Website https://www.university-bank.com

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

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.91

Price

$17.77

GF Value

View UNIB Analysis

See LT-Debt-to-Total-Asset data for all stocks →