University BancorpUNIB +0.05%59 Shareholder Yield % is 23.03% as of Dec. 2025, which is 7097% above its 10-year median of 0.32. GuruFocus rates UNIB with a GF Score™ of 59/100 and a GF Value™ of $17.77 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,503 Banks companies, University Bancorp ranks better than 89.82% on this metric.
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. It is a measure of shareholder return.
As of today, University Bancorp's Shareholder Yield % was 23.03%.
University Bancorp (OTCPK:UNIB) Shareholder Yield % Explanation
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. The term was coined by William W. Priest of Epoch Investment Partners in a paper in 2005 entitled The Case for Shareholder Yield as a Dominant Driver of Future Equity Returns. William Priest indicated that "shareholder yield is a term that we came up with to reflect the various ways dividends can be paid to owners of a business in a publicly-traded company."
Dividend Yield % shows how much a company pays out in dividends each year relative to its stock price, which is most obvious form of shareholder return.
Buyback Yield % is the net repurchase of shares outstanding over the market capital of the company. Shares repurchases also increase shareholder value by returning the money back to shareholders.
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced.
University Bancorp Shareholder Yield % Related Terms
University Bancorp Shareholder Yield % Historical Data
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The historical data trend for University Bancorp's Shareholder Yield % 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: Shareholder Yield % Comparison
For the Banks - Regional subindustry, University Bancorp's Shareholder Yield %, along with its competitors' market caps and Shareholder Yield % 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 Shareholder Yield % vs Banks Industry
For the Banks industry and Financial Services sector, University Bancorp's Shareholder Yield % distribution charts can be found below:
* The bar in red indicates where University Bancorp's Shareholder Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Shareholder Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
University Bancorp (UNIB) has a Shareholder Yield % of 23.03% as of Dec. 2025. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on University Bancorp and its competitors. This is 7097% above median its historical median of 0.32. According to the industry distribution chart, University Bancorp ranks #153 out of 1503 companies in the Banks industry, placing it in the top 10.2%.
Is University Bancorp's Shareholder Yield % too high?
University Bancorp's current Shareholder Yield % of 23.03% is 7097% above median its 10-year median of 0.32. The Banks industry median Shareholder Yield % is 1.58. University Bancorp's value of 23.03% is 1357.6% above this industry median. Based on the distribution chart, University Bancorp ranks #153 out of 1503 companies in the Banks industry, which is in the top quartile — a strong position 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 Shareholder Yield % compare to OFED and CWBK?
According to the Banks industry distribution chart, University Bancorp ranks #153 out of 1503 companies for Shareholder Yield %. This places University Bancorp in the top 10% of its industry — outperforming the majority of peers. The industry median Shareholder Yield % is 1.58. University Bancorp's value of 23.03% is 1357.6% above this benchmark. While the company's 10-year median is 0.32 vs. the industry median of 1.58, University Bancorp has consistently been above 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 Shareholder Yield % for a Banks company?
The median Shareholder Yield % among Banks companies is 1.58, based on 1,503 companies in the industry. Companies in the top quartile (top 25%) have a Shareholder Yield % significantly above this median, while those in the bottom quartile fall well below. However, Shareholder Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. University Bancorp's current Shareholder Yield % of 23.03% is 1357.6% above 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 Shareholder Yield % mean?
A high Shareholder Yield % can signal that a stock is expensive relative to its fundamentals. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on University Bancorp and its competitors. For the Banks industry, the median Shareholder Yield % is 1.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. University Bancorp's current Shareholder Yield % is 23.03%, which is 7097% above median its own 10-year median of 0.32. 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 $17.77, compared to a current price of $21.91 — trading 23.3% above its estimated fair value. The current Shareholder Yield % is 23.03%, which is 7097% above median its 10-year median of 0.32 and 1357.6% above the Banks industry median of 1.58. 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 Shareholder Yield % calculated?
Shareholder Yield % is calculated from a company's financial statements. For University Bancorp (UNIB), the current Shareholder Yield % is 23.03% 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 $21.91 is trading 23.3% above its estimated GF Value™ of $17.77.
GuruFocus considers University Bancorp to be Modestly Overvalued.
Key valuation signals for UNIB:
Shareholder Yield %: 23.03% (7097% above median its 10-year median of 0.32)
GF Value™: $17.77 vs. price of $21.91 (23.3% above fair value)
Industry Position: 1357.6% above the Banks median (#153 of 1503)
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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