UNIB (University Bancorp) ROC (Joel Greenblatt) %: % (As of Dec. 2025)


UNIB University Bancorp Inc UNIB
57 GF Score
Price $22.50
GF Value $17.79
Valuation Modestly Overvalued
! 6 Warning Signs
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What is University Bancorp ROC (Joel Greenblatt) %?

University Bancorp UNIB +1.44% 57 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates UNIB with a GF Score™ of 57/100 and a GF Value™ of $17.79 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 47 Banks companies, University Bancorp ranks worse than 2127657.45% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

UNIB
57GF Score
University Bancorp Inc UNIB
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
University Bancorp (UNIB) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on University Bancorp and its competitors. According to the industry distribution chart, University Bancorp ranks #999999 out of 47 companies in the Banks industry.
Is University Bancorp's ROC (Joel Greenblatt) % too high?
University Bancorp's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, University Bancorp ranks #999999 out of 47 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to KTHN and PNBK?
According to the Banks industry distribution chart, University Bancorp ranks #999999 out of 47 companies for ROC (Joel Greenblatt) %. This places University Bancorp in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 71.07. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 71.07, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on University Bancorp and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 71.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. University Bancorp's current ROC (Joel Greenblatt) % is %. 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 $17.79, compared to a current price of $22.50 — trading 26.5% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For University Bancorp (UNIB), the current ROC (Joel Greenblatt) % is % 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 $22.50 is trading 26.5% above its estimated GF Value™ of $17.79. GuruFocus considers University Bancorp to be Modestly Overvalued.

Key valuation signals for UNIB:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $17.79 vs. price of $22.50 (26.5% above fair value)
  • GF Score™: 57/100 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.
57GF Score

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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$22.50
Price
$17.79
GF Value