University BancorpUNIB 57 Return-on-Tangible-Asset is 0.89% as of Dec. 2025, which is 26% below its 10-year median of 1.20. GuruFocus rates UNIB with a GF Score™ of 57/100 and a GF Value™ of $17.81 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,527 Banks companies, University Bancorp ranks worse than 57.3% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. University Bancorp's annualizedNet Income for the quarter that ended in Dec. 2025 was $9.0 Mil. University Bancorp's average total tangible assets for the quarter that ended in Dec. 2025 was $1,016.2 Mil. Therefore, University Bancorp's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.89%.
The historical rank and industry rank for University Bancorp's Return-on-Tangible-Asset or its related term are showing as below:
UNIB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.62 Med: 1.2 Max: 6.31
Current: 0.89
During the past 13 years, University Bancorp's highest Return-on-Tangible-Asset was 6.31%. The lowest was 0.62%. And the median was 1.20%.
UNIB's Return-on-Tangible-Asset is ranked worse than 57.3% of 1527
companies
in the Banks industry
Industry Median: 0.99
vs UNIB: 0.89
University Bancorp (OTCPK:UNIB) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
University Bancorp Return-on-Tangible-Asset Related Terms
University Bancorp Return-on-Tangible-Asset Historical Data
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The historical data trend for University Bancorp's Return-on-Tangible-Asset 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 KTHN, PNBK, FKYS: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, University Bancorp's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, University Bancorp's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where University Bancorp's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.89% mean?
University Bancorp (UNIB) has a Return-on-Tangible-Asset of 0.89% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on University Bancorp and its competitors. This is 26% below median its historical median of 1.20. Over the past decade, University Bancorp's Return-on-Tangible-Asset has ranged from 0.62 to 6.31. According to the industry distribution chart, University Bancorp ranks #875 out of 1527 companies in the Banks industry, placing it in the top 57.3%.
Is University Bancorp's Return-on-Tangible-Asset too high?
University Bancorp's current Return-on-Tangible-Asset of 0.89% is 26% below median its 10-year median of 1.20. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 6.31. The Banks industry median Return-on-Tangible-Asset is 0.99. University Bancorp's value of 0.89% is 10.1% below this industry median. Based on the distribution chart, University Bancorp ranks #875 out of 1527 companies in the Banks industry, which is below the industry midpoint. 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 Return-on-Tangible-Asset compare to KTHN and PNBK?
According to the Banks industry distribution chart, University Bancorp ranks #875 out of 1527 companies for Return-on-Tangible-Asset. This places University Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. University Bancorp's value of 0.89% is 10.1% below this benchmark. Historically, University Bancorp's own Return-on-Tangible-Asset has ranged from 0.62 to 6.31 over the past decade. While the company's 10-year median is 1.20 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. University Bancorp's current Return-on-Tangible-Asset of 0.89% is 10.1% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on University Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. University Bancorp's current Return-on-Tangible-Asset is 0.89%, which is 26% below median its own 10-year median of 1.20. 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 $17.81, compared to a current price of $22.52 — trading 26.4% above its estimated fair value. The current Return-on-Tangible-Asset is 0.89%, which is 26% below median its 10-year median of 1.20 and 10.1% below the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For University Bancorp (UNIB), the current Return-on-Tangible-Asset is 0.89% 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 $22.52 is trading 26.4% above its estimated GF Value™ of $17.81.
GuruFocus considers University Bancorp to be Modestly Overvalued.
Key valuation signals for UNIB:
Return-on-Tangible-Asset: 0.89% (26% below median its 10-year median of 1.20)
GF Value™: $17.81 vs. price of $22.52 (26.4% above fair value)
Industry Position: 10.1% below the Banks median (#875 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.
57GF Score
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