University BancorpUNIB -1.14%59 Median PS Value is $17.00 as of Jun. 24, 2026, which is 1535% above its 10-year median of 1.04. GuruFocus rates UNIB with a GF Score™ of 59/100 and a GF Value™ of $17.76 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,043 Banks companies, University Bancorp ranks worse than 66.54% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for University Bancorp's Median PS Value or its related term are showing as below:
UNIB'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.57 Med: 1.04 Max: 1.27
Current: 1.27
During the past 13 years, the highest Price to Median PS Value of University Bancorp was 1.27. The lowest was 0.57. And the median was 1.04.
UNIB's Price-to-Median-PS-Value is ranked worse than 66.54% of 1043
companies
in the Banks industry
Industry Median: 1.09
vs UNIB: 1.27
University Bancorp (OTCPK:UNIB) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
University Bancorp's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
21.65
/
17.00
=
1.27
* 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 Median PS Value Related Terms
University Bancorp Median PS Value Historical Data
* Premium members only.
The historical data trend for University Bancorp's Median PS Value 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.
UNIB vs OFED, CWBK, MGYR: Median PS Value Comparison
For the Banks - Regional subindustry, University Bancorp's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, University Bancorp's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where University Bancorp's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 0.8176.
For company reported annually, GuruFocus uses latest annual data as the TTM data. University Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $20.792.
* 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 Median PS Value of $17.00 as of Jun. 24, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on University Bancorp and its competitors. This is 1535% above median its historical median of 1.04. Over the past decade, University Bancorp's Median PS Value has ranged from 0.57 to 1.27. According to the industry distribution chart, University Bancorp ranks #694 out of 1043 companies in the Banks industry, placing it in the top 66.5%.
Is University Bancorp's Median PS Value too high?
University Bancorp's current Median PS Value of $17.00 is 1535% above median its 10-year median of 1.04. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 1.27. The Banks industry median Median PS Value is 1.09. University Bancorp's value of $17.00 is 1459.6% above this industry median. Based on the distribution chart, University Bancorp ranks #694 out of 1043 companies in the Banks industry, which is below the industry midpoint. 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 Median PS Value compare to OFED and CWBK?
According to the Banks industry distribution chart, University Bancorp ranks #694 out of 1043 companies for Median PS Value. This places University Bancorp in the lower half of its industry. The industry median Median PS Value is 1.09. University Bancorp's value of $17.00 is 1459.6% above this benchmark. Historically, University Bancorp's own Median PS Value has ranged from 0.57 to 1.27 over the past decade. While the company's 10-year median is 1.04 vs. the industry median of 1.09, University Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.09, based on 1,043 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. University Bancorp's current Median PS Value of $17.00 is 1459.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on University Bancorp and its competitors. For the Banks industry, the median Median PS Value is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. University Bancorp's current Median PS Value is $17.00, which is 1535% above median its own 10-year median of 1.04. 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 $17.76, compared to a current price of $21.65 — trading 21.9% above its estimated fair value. The current Median PS Value is $17.00, which is 1535% above median its 10-year median of 1.04 and 1459.6% above the Banks industry median of 1.09. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For University Bancorp (UNIB), the current Median PS Value is $17.00 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:
Median PS Value: $17.00 (1535% above median its 10-year median of 1.04)
GF Value™: $17.76 vs. price of $21.65 (21.9% above fair value)
Industry Position: 1459.6% above the Banks median (#694 of 1043)
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
Get the complete analysis for UNIB
Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
UNIB has been successfully added to your 
