The historical rank and industry rank for University Bancorp's OCF Margin % or its related term are showing as below:
UNIB'
s OCF Margin % Range Over the Past 10 Years
Min: -83.27 Med: 2.18 Max: 58.27
Current: -33.91
During the past 13 years, the highest OCF Margin % of University Bancorp was 58.27%. The lowest was -83.27%. And the median was 2.18%.
UNIB's OCF Margin % is ranked worse than 83.54% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs UNIB: -33.91
University Bancorp OCF Margin % Related Terms
University Bancorp OCF Margin % Historical Data
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The historical data trend for University Bancorp's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, University Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where University Bancorp's OCF 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 OCF Margin % of -33.91% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on University Bancorp and its competitors. According to the industry distribution chart, University Bancorp ranks #1254 out of 1501 companies in the Banks industry, placing it in the top 83.5%.
Is University Bancorp's OCF Margin % too high?
University Bancorp's current OCF Margin % is -33.91%. Based on the distribution chart, University Bancorp ranks #1254 out of 1501 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 OCF Margin % compare to OFED and CWBK?
According to the Banks industry distribution chart, University Bancorp ranks #1254 out of 1501 companies for OCF Margin %. This places University Bancorp in the lower half of its industry. The industry median OCF Margin % is 29.44. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on University Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. University Bancorp's current OCF Margin % is -33.91%. 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 OCF Margin % is -33.91%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For University Bancorp (UNIB), the current OCF Margin % is -33.91% 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:
OCF Margin %: -33.91%
GF Value™: $17.76 vs. price of $21.65 (21.9% above fair value)
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
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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