UNIB (University Bancorp) Momentum Rank: 6 (As of Sep. 14, 2026) — 100% Above Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

UNIB University Bancorp Inc UNIB
59 GF Score
Price $22.02
GF Value $17.99
Valuation Modestly Overvalued
! 6 Warning Signs
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What is University Bancorp Momentum Rank?

University Bancorp UNIB 59 Momentum Rank is 6 as of Sep. 14, 2026, which is 100% above its 10-year median of 3.00. GuruFocus rates UNIB with a GF Score™ of 59/100 and a GF Value™ of $17.99 (Modestly Overvalued). The stock has 6 warning signs investors should review.

University Bancorp has the Momentum Rank of 6.

Momentum Rank measures the strength and persistence of a stock's price movement over time, rated on a scale of 1 to 10.

For Momentum Rank, we considered the residual momentum concept that was widely studied by Blitz and his colleagues as well as by Nobel Prize laureates Fama and French. However, we did not find any significant differences in the performances of stocks with different ranks of residual momentum. Therefore, we use traditional momentum instead.

Momentum Rank is determined using the standardized momentum ratio and other momentum indicators. The standardized momentum ratio is the average of the performances from 12 months ago to 1 month ago and 6 months ago to 1 month ago, divided by the beta of the stock over the past 12 months. To calculate the momentum ratio today, we would use the average of the two performance numbers.

For momentum, we found that stock price performance does not have a monotonic correlation with the momentum ratio. The stocks with the highest momentum ratios perform worse than those at about the 70th percentile. Therefore, for the momentum rank, we ranked the stocks at about the 70th percentile of the momentum ratio as the highest at 10.

A higher score reflects strong price momentum and indicates greater potential for superior performance. Conversely, a lower score indicates that momentum is either too high or too low, and stocks tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

University Bancorp Momentum Rank Related Terms

UNIB vs BYFC, OPHC, PROV: Momentum Rank Comparison

For the Banks - Regional subindustry, University Bancorp's Momentum Rank, along with its competitors' market caps and Momentum Rank 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 Momentum Rank vs Banks Industry

For the Banks industry and Financial Services sector, University Bancorp's Momentum Rank distribution charts can be found below:

* The bar in red indicates where University Bancorp's Momentum Rank falls into.


UNIB
59GF Score
University Bancorp Inc UNIB
Momentum Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Momentum Rank →
What does a Momentum Rank of 6 mean?
University Bancorp (UNIB) has a Momentum Rank of 6 as of Sep. 14, 2026. Momentum Rank is determined using the standardized momentum ratio, measuring the speed and velocity of price changes in a stock. View historical data on University Bancorp and its competitors. This is 100% above median its historical median of 3.00. Over the past decade, University Bancorp's Momentum Rank has ranged from 1.00 to 10.00.
Is University Bancorp's Momentum Rank too high?
University Bancorp's current Momentum Rank of 6 is 100% above median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. 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 Momentum Rank compare to BYFC and OPHC?
University Bancorp's Momentum Rank of 6 can be compared against companies in the Banks industry. Historically, University Bancorp's own Momentum Rank has ranged from 1.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Momentum Rank for a Banks company?
A good Momentum Rank depends on the Banks industry context. However, Momentum Rank 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 Momentum Rank mean?
A high Momentum Rank can signal that a stock is expensive relative to its fundamentals. Momentum Rank is determined using the standardized momentum ratio, measuring the speed and velocity of price changes in a stock. View historical data on University Bancorp and its competitors. University Bancorp's current Momentum Rank is 6, which is 100% above median its own 10-year median of 3.00. 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 $17.99, compared to a current price of $22.02 — trading 22.4% above its estimated fair value. The current Momentum Rank is 6, which is 100% above median its 10-year median of 3.00. 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 Momentum Rank calculated?
Momentum Rank is calculated from a company's financial statements. For University Bancorp (UNIB), the current Momentum Rank is 6 as of Sep. 14, 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 $22.02 is trading 22.4% above its estimated GF Value™ of $17.99. GuruFocus considers University Bancorp to be Modestly Overvalued.

Key valuation signals for UNIB:

  • Momentum Rank: 6 (100% above median its 10-year median of 3.00)
  • GF Value™: $17.99 vs. price of $22.02 (22.4% above fair value)
  • GF Score™: 59/100 with 6 warning signs

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 Business Description

Address 2015 Washtenaw Avenue, Ann Arbor, MI, USA, 48104
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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Momentum Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$22.02
Price
$17.99
GF Value