UNIB (University Bancorp) Scaled Net Operating Assets: 0.23 (As of Dec. 2025)


UNIB University Bancorp Inc UNIB
59 GF Score
Price $21.91
GF Value $17.77
Valuation Modestly Overvalued
! 6 Warning Signs
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What is University Bancorp Scaled Net Operating Assets?

University Bancorp UNIB +0.05% 59 Scaled Net Operating Assets is 0.23 as of Dec. 2025. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

University Bancorp's operating assets for the quarter that ended in Dec. 2025 was $1,116.7 Mil. University Bancorp's operating liabilities for the quarter that ended in Dec. 2025 was $894.2 Mil. University Bancorp's Total Assets for the quarter that ended in Dec. 2024 was $980.0 Mil. Therefore, University Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.23.

UNIB
59GF Score
University Bancorp Inc UNIB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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University Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

University Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1116.715-894.174)/980.006
=0.23

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1144.197 - 27.482
=1116.715

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1005.995 - 45.391 - 66.43
=894.174

University Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(1116.715-894.174)/980.006
=0.23

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1144.197 - 27.482
=1116.715

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1005.995 - 45.391 - 66.43
=894.174

* 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.

What does a Scaled Net Operating Assets of 0.23 mean?
University Bancorp (UNIB) has a Scaled Net Operating Assets of 0.23 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on University Bancorp and its competitors.
Is University Bancorp's Scaled Net Operating Assets too high?
University Bancorp's current Scaled Net Operating Assets is 0.23. 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 Scaled Net Operating Assets compare to OFED and CWBK?
University Bancorp's Scaled Net Operating Assets of 0.23 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on University Bancorp and its competitors. University Bancorp's current Scaled Net Operating Assets is 0.23. 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 Scaled Net Operating Assets is 0.23. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For University Bancorp (UNIB), the current Scaled Net Operating Assets is 0.23 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:

  • Scaled Net Operating Assets: 0.23
  • GF Value™: $17.77 vs. price of $21.91 (23.3% 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.91
Price
$17.77
GF Value