University BancorpUNIB +0.05%59 Dividend Payout Ratio is 0.18 as of Dec. 2025, which is 64% above its 10-year median of 0.11. GuruFocus rates UNIB with a GF Score™ of 59/100 and a GF Value™ of $17.77 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,168 Banks companies, University Bancorp ranks better than 82.79% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. University Bancorp's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.18.
The historical rank and industry rank for University Bancorp's Dividend Payout Ratio or its related term are showing as below:
UNIB'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.03 Med: 0.11 Max: 0.64
Current: 0.18
During the past 13 years, the highest Dividend Payout Ratio of University Bancorp was 0.64. The lowest was 0.03. And the median was 0.11.
UNIB's Dividend Payout Ratio is ranked better than 82.79% of 1168
companies
in the Banks industry
Industry Median: 0.32
vs UNIB: 0.18
During the past 12 months, University Bancorp's average Dividends Per Share Growth Rate was 200.00% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was -12.60% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of University Bancorp was -12.60% per year. The lowest was -35.60% per year. And the median was -24.10% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
University Bancorp (OTCPK:UNIB) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
University Bancorp Dividend Payout Ratio Related Terms
University Bancorp Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for University Bancorp's Dividend Payout Ratio 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: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, University Bancorp's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, University Bancorp's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where University Bancorp's Dividend Payout Ratio falls into.
University Bancorp Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
University Bancorp's Dividend Payout Ratio 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 Dividend Payout Ratio of 0.18 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on University Bancorp and its competitors. This is 64% above median its historical median of 0.11. Over the past decade, University Bancorp's Dividend Payout Ratio has ranged from 0.03 to 0.64. According to the industry distribution chart, University Bancorp ranks #201 out of 1168 companies in the Banks industry, placing it in the top 17.2%.
Is University Bancorp's Dividend Payout Ratio too high?
University Bancorp's current Dividend Payout Ratio of 0.18 is 64% above median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.64. The Banks industry median Dividend Payout Ratio is 0.32. University Bancorp's value of 0.18 is 43.8% below this industry median. Based on the distribution chart, University Bancorp ranks #201 out of 1168 companies in the Banks industry, which is in the top quartile — a strong position 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 Dividend Payout Ratio compare to OFED and CWBK?
According to the Banks industry distribution chart, University Bancorp ranks #201 out of 1168 companies for Dividend Payout Ratio. This places University Bancorp in the top 17% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. University Bancorp's value of 0.18 is 43.8% below this benchmark. Historically, University Bancorp's own Dividend Payout Ratio has ranged from 0.03 to 0.64 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,168 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. University Bancorp's current Dividend Payout Ratio of 0.18 is 43.8% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on University Bancorp and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. University Bancorp's current Dividend Payout Ratio is 0.18, which is 64% above median its own 10-year median of 0.11. 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 $17.77, compared to a current price of $21.91 — trading 23.3% above its estimated fair value. The current Dividend Payout Ratio is 0.18, which is 64% above median its 10-year median of 0.11 and 43.8% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For University Bancorp (UNIB), the current Dividend Payout Ratio is 0.18 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 $21.91 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:
Dividend Payout Ratio: 0.18 (64% above median its 10-year median of 0.11)
GF Value™: $17.77 vs. price of $21.91 (23.3% above fair value)
Industry Position: 43.8% below the Banks median (#201 of 1168)
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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