University BancorpUNIB -1.14%59 Net Margin % is 8.39% as of Dec. 2025, which is 4% above its 10-year median of 8.08. 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 1,527 Banks companies, University Bancorp ranks worse than 89.78% on this metric.
The historical rank and industry rank for University Bancorp's Net Margin % or its related term are showing as below:
UNIB'
s Net Margin % Range Over the Past 10 Years
Min: 4.22 Med: 8.08 Max: 21.17
Current: 8.39
UNIB's Net Margin % is ranked worse than 89.78% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs UNIB: 8.39
University Bancorp (OTCPK:UNIB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
University Bancorp Net Margin % Related Terms
University Bancorp Net Margin % Historical Data
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The historical data trend for University Bancorp's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, University Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where University Bancorp's Net Margin % falls into.
* 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 Net Margin % of 8.39% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on University Bancorp and its competitors. This is near median its historical median of 8.08. Over the past decade, University Bancorp's Net Margin % has ranged from 4.22 to 21.17. According to the industry distribution chart, University Bancorp ranks #1371 out of 1527 companies in the Banks industry, placing it in the top 89.8%.
Is University Bancorp's Net Margin % too high?
University Bancorp's current Net Margin % of 8.39% is near median its 10-year median of 8.08. Over the past 10 years, this metric has ranged from a low of 4.22 to a high of 21.17. The Banks industry median Net Margin % is 26.95. University Bancorp's value of 8.39% is 68.9% below this industry median. Based on the distribution chart, University Bancorp ranks #1371 out of 1527 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 Net Margin % compare to OFED and CWBK?
According to the Banks industry distribution chart, University Bancorp ranks #1371 out of 1527 companies for Net Margin %. This places University Bancorp in the lower half of its industry. The industry median Net Margin % is 26.95. University Bancorp's value of 8.39% is 68.9% below this benchmark. Historically, University Bancorp's own Net Margin % has ranged from 4.22 to 21.17 over the past decade. While the company's 10-year median is 8.08 vs. the industry median of 26.95, University Bancorp has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. University Bancorp's current Net Margin % of 8.39% is 68.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on University Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. University Bancorp's current Net Margin % is 8.39%, which is near median its own 10-year median of 8.08. 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 Net Margin % is 8.39%, which is near median its 10-year median of 8.08 and 68.9% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For University Bancorp (UNIB), the current Net Margin % is 8.39% 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 $21.65 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:
Net Margin %: 8.39% (near median its 10-year median of 8.08)
GF Value™: $17.76 vs. price of $21.65 (21.9% above fair value)
Industry Position: 68.9% below the Banks median (#1371 of 1527)
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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