UNIB (University Bancorp) Margin of Safety % (DCF Dividends Based): N/A (As of Jun. 29, 2026)


UNIB University Bancorp Inc UNIB
59 GF Score
Price $21.91
GF Value $17.77
Valuation Modestly Overvalued
! 6 Warning Signs
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What is University Bancorp Margin of Safety % (DCF Dividends Based)?

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

University Bancorp's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Dividends Based) is not calculated.

UNIB vs KTHN, PNBK, FKYS: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, University Bancorp's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, University Bancorp's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where University Bancorp's Margin of Safety % (DCF Dividends Based) falls into.


UNIB
59GF Score
University Bancorp Inc UNIB
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Margin of Safety % (DCF Dividends Based): N/A
  • 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

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.
59GF Score

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Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.91
Price
$17.77
GF Value