University BancorpUNIB -1.14%59 PB Ratio is 0.89 as of Jun. 24, 2026, which is 28% below its 10-year median of 1.24. 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 1,516 Banks companies, University Bancorp ranks better than 66.89% on this metric.
The historical rank and industry rank for University Bancorp's PB Ratio or its related term are showing as below:
UNIB'
s PB Ratio Range Over the Past 10 Years
Min: 0.76 Med: 1.24 Max: 2.58
Current: 0.89
During the past 13 years, University Bancorp's highest PB Ratio was 2.58. The lowest was 0.76. And the median was 1.24.
UNIB's PB Ratio is ranked better than 66.89% of 1516
companies
in the Banks industry
Industry Median: 1.08
vs UNIB: 0.89
During the past 12 months, University Bancorp's average Book Value Per Share Growth Rate was 33.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 14.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 12.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 24.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of University Bancorp was 47.20% per year. The lowest was -19.40% per year. And the median was 16.40% per year.
Back to Basics: PB Ratio
University Bancorp (OTCPK:UNIB) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
University Bancorp PB Ratio Related Terms
University Bancorp PB Ratio Historical Data
* Premium members only.
The historical data trend for University Bancorp's PB 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.
For the Banks - Regional subindustry, University Bancorp's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, University Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where University Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
University Bancorp (UNIB) has a PB Ratio of 0.89 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on University Bancorp and its competitors. This is 28% below median its historical median of 1.24. Over the past decade, University Bancorp's PB Ratio has ranged from 0.76 to 2.58. According to the industry distribution chart, University Bancorp ranks #502 out of 1516 companies in the Banks industry, placing it in the top 33.1%.
Is University Bancorp's PB Ratio too high?
University Bancorp's current PB Ratio of 0.89 is 28% below median its 10-year median of 1.24. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 2.58. The Banks industry median PB Ratio is 1.08. University Bancorp's value of 0.89 is 17.6% below this industry median. Based on the distribution chart, University Bancorp ranks #502 out of 1516 companies in the Banks industry, which is above 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 PB Ratio compare to OFED and CWBK?
According to the Banks industry distribution chart, University Bancorp ranks #502 out of 1516 companies for PB Ratio. This puts University Bancorp in the upper half of its industry. The industry median PB Ratio is 1.08. University Bancorp's value of 0.89 is 17.6% below this benchmark. Historically, University Bancorp's own PB Ratio has ranged from 0.76 to 2.58 over the past decade. While the company's 10-year median is 1.24 vs. the industry median of 1.08, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. University Bancorp's current PB Ratio of 0.89 is 17.6% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on University Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. University Bancorp's current PB Ratio is 0.89, which is 28% below median its own 10-year median of 1.24. 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 PB Ratio is 0.89, which is 28% below median its 10-year median of 1.24 and 17.6% below the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For University Bancorp (UNIB), the current PB Ratio is 0.89 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:
PB Ratio: 0.89 (28% below median its 10-year median of 1.24)
GF Value™: $17.76 vs. price of $21.65 (21.9% above fair value)
Industry Position: 17.6% below the Banks median (#502 of 1516)
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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