University BancorpUNIB -1.14%59 Pretax Margin % is 11.43% as of Dec. 2025, which is 4% above its 10-year median of 11.00. 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 89.59% on this metric.
The historical rank and industry rank for University Bancorp's Pretax Margin % or its related term are showing as below:
UNIB'
s Pretax Margin % Range Over the Past 10 Years
Min: 6.01 Med: 11 Max: 29.41
Current: 11.43
UNIB's Pretax Margin % is ranked worse than 89.59% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs UNIB: 11.43
University Bancorp (OTCPK:UNIB) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
University Bancorp Pretax Margin % Related Terms
University Bancorp Pretax Margin % Historical Data
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The historical data trend for University Bancorp's Pretax 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.
UNIB vs OFED, CWBK, MGYR: Pretax Margin % Comparison
For the Banks - Regional subindustry, University Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, University Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where University Bancorp's Pretax 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 Pretax Margin % of 11.43% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on University Bancorp and its competitors. This is near median its historical median of 11.00. Over the past decade, University Bancorp's Pretax Margin % has ranged from 6.01 to 29.41. According to the industry distribution chart, University Bancorp ranks #1368 out of 1527 companies in the Banks industry, placing it in the top 89.6%.
Is University Bancorp's Pretax Margin % too high?
University Bancorp's current Pretax Margin % of 11.43% is near median its 10-year median of 11.00. Over the past 10 years, this metric has ranged from a low of 6.01 to a high of 29.41. The Banks industry median Pretax Margin % is 34.88. University Bancorp's value of 11.43% is 67.2% below this industry median. Based on the distribution chart, University Bancorp ranks #1368 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 Pretax Margin % compare to OFED and CWBK?
According to the Banks industry distribution chart, University Bancorp ranks #1368 out of 1527 companies for Pretax Margin %. This places University Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.88. University Bancorp's value of 11.43% is 67.2% below this benchmark. Historically, University Bancorp's own Pretax Margin % has ranged from 6.01 to 29.41 over the past decade. While the company's 10-year median is 11.00 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. University Bancorp's current Pretax Margin % of 11.43% is 67.2% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on University Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. University Bancorp's current Pretax Margin % is 11.43%, which is near median its own 10-year median of 11.00. 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 Pretax Margin % is 11.43%, which is near median its 10-year median of 11.00 and 67.2% below the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For University Bancorp (UNIB), the current Pretax Margin % is 11.43% 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:
Pretax Margin %: 11.43% (near median its 10-year median of 11.00)
GF Value™: $17.76 vs. price of $21.65 (21.9% above fair value)
Industry Position: 67.2% below the Banks median (#1368 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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