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Pretax income is the income that a company earns before paying income taxes. University Bancorp's pretax income for the
three
months ended in Jun. 2025 was $4.78 Mil.
Its pretax income for the trailing twelve months (TTM) ended in Jun. 2025 was $4.78 Mil.
University Bancorp's pretax margin was 16.28%.
During the past 13 years, University Bancorp's highest Pretax Margin was 29.41%. The lowest was 6.01%. And the median was 11.00%.
During the past 13 years, University Bancorp's highest Pretax Margin was 29.41%. The lowest was 6.01%. And the median was 11.00%.
* 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 Pre-Tax Income Related Terms
University Bancorp Pre-Tax Income Historical Data
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The historical data trend for University Bancorp's Pre-Tax Income 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 BYFC, OPHC, PROV: Pre-Tax Income Comparison
For the Banks - Regional subindustry, University Bancorp's Pre-Tax Income, along with its competitors' market caps and Pre-Tax Income 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 Pre-Tax Income vs Banks Industry
For the Banks industry and Financial Services sector, University Bancorp's Pre-Tax Income distribution charts can be found below:
* The bar in red indicates where University Bancorp's Pre-Tax Income falls into.
Pre-Tax Income for the trailing twelve months (TTM) ended in Jun. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.78 Mil.
* 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 Pre-Tax Income of $4.78 Mil as of Jun. 2025. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on University Bancorp and its competitors.
Is University Bancorp's Pre-Tax Income too high?
University Bancorp's current Pre-Tax Income is $4.78 Mil. Overall, University Bancorp has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does University Bancorp's Pre-Tax Income compare to BYFC and OPHC?
University Bancorp's Pre-Tax Income of $4.78 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Pre-Tax Income for a Banks company?
A good Pre-Tax Income depends on the Banks industry context. However, Pre-Tax Income 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 Pre-Tax Income mean?
A high Pre-Tax Income can signal that a stock is expensive relative to its fundamentals. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on University Bancorp and its competitors. University Bancorp's current Pre-Tax Income is $4.78 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 $18.01, compared to a current price of $22.13 — trading 22.9% above its estimated fair value. The current Pre-Tax Income is $4.78 Mil. University Bancorp's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pre-Tax Income calculated?
Pre-Tax Income is calculated from a company's financial statements. For University Bancorp (UNIB), the current Pre-Tax Income is $4.78 Mil as of Jun. 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 $22.13 is trading 22.9% above its estimated GF Value™ of $18.01.
GuruFocus considers University Bancorp to be Modestly Overvalued.
Key valuation signals for UNIB:
Pre-Tax Income: $4.78 Mil
GF Value™: $18.01 vs. price of $22.13 (22.9% 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.
57GF Score
Get the complete analysis for UNIB
Pre-Tax Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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