Market cap is the total market value to buy the whole company. It is equal to the share price times the number of Shares Outstanding (EOP). University Bancorp's share price for the quarter that ended in Dec. 2025 was $19.4. University Bancorp's Shares Outstanding (EOP) for the quarter that ended in Dec. 2025 was 5.2 Mil. Therefore, University Bancorp's market cap for the quarter that ended in Dec. 2025 was $100.3 Mil.
University Bancorp's quarterly market cap
increased
from Dec. 2023 ($74.0 Mil) to Dec. 2024 ($85.3 Mil) and
increased
from Dec. 2024 ($85.3 Mil) to Dec. 2025 ($100.3 Mil).
University Bancorp's annual market cap
increased
from Dec. 2023 ($74.0 Mil) to Dec. 2024 ($85.3 Mil) and
increased
from Dec. 2024 ($85.3 Mil) to Dec. 2025 ($100.3 Mil).
Enterprise Value is the theoretical takeover price. It is more comprehensive than market capitalization (market cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash and cash equivalents. University Bancorp's Enterprise Value for Today is $209.2 Mil.
University Bancorp (OTCPK:UNIB) Market Cap Explanation
Market cap is not the real price you pay for a company. If you buy the company and become its owner, you become the owner of the cash the company has, and you also assume the companys debt. The real price you pay is the Enterprise Value.
Warren Buffett uses the ratio of total market cap of all public traded companies over GDP to measure if the market is expensive. As of April 2012, the US total market cap is about $14.7 trillion, while the US GDP is about $15 trillion. The market was modestly overvalued.
University Bancorp Market Cap Related Terms
University Bancorp Market Cap Historical Data
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The historical data trend for University Bancorp's Market Cap 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.
For the Banks - Regional subindustry, University Bancorp's Market Cap, along with its competitors' market caps and Market Cap 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 Market Cap vs Banks Industry
For the Banks industry and Financial Services sector, University Bancorp's Market Cap distribution charts can be found below:
* The bar in red indicates where University Bancorp's Market Cap falls into.
Market cap is the short version of market capitalization. It is the total market value to buy the whole company. It is equal to the share price times the number of shares outstanding.
University Bancorp's Market Cap for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Market Cap of $111.9 Mil as of Jun. 24, 2026. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on University Bancorp and its competitors. According to the industry distribution chart, University Bancorp ranks #1215 out of 1544 companies in the Banks industry, placing it in the top 78.7%.
Is University Bancorp's Market Cap too high?
University Bancorp's current Market Cap is $111.9 Mil. The Banks industry median Market Cap is 708.25. University Bancorp's value of $111.9 Mil is 84.2% below this industry median. Based on the distribution chart, University Bancorp ranks #1215 out of 1544 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Market Cap compare to OFED and CWBK?
According to the Banks industry distribution chart, University Bancorp ranks #1215 out of 1544 companies for Market Cap. This places University Bancorp in the lower half of its industry. The industry median Market Cap is 708.25. University Bancorp's value of $111.9 Mil is 84.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Market Cap for a Banks company?
The median Market Cap among Banks companies is 708.25, based on 1,544 companies in the industry. Companies in the top quartile (top 25%) have a Market Cap significantly above this median, while those in the bottom quartile fall well below. However, Market Cap should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. University Bancorp's current Market Cap of $111.9 Mil is 84.2% below 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 Market Cap mean?
A high Market Cap can signal that a stock is expensive relative to its fundamentals. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on University Bancorp and its competitors. For the Banks industry, the median Market Cap is 708.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. University Bancorp's current Market Cap is $111.9 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 $17.76, compared to a current price of $21.65 — trading 21.9% above its estimated fair value. The current Market Cap is $111.9 Mil and 84.2% below the Banks industry median of 708.25. 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 Market Cap calculated?
Market Cap is calculated from a company's financial statements. For University Bancorp (UNIB), the current Market Cap is $111.9 Mil 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:
Market Cap: $111.9 Mil
GF Value™: $17.76 vs. price of $21.65 (21.9% above fair value)
Industry Position: 84.2% below the Banks median (#1215 of 1544)
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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