UNIB (University Bancorp) Total Liabilities: $1,006.0 Mil (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 Total Liabilities?

University Bancorp UNIB +0.05% 59 Total Liabilities is $1,006.0 Mil 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.

University Bancorp's Total Liabilities for the quarter that ended in Dec. 2025 was $1,006.0 Mil.

University Bancorp's quarterly Total Liabilities increased from Dec. 2023 ($837.05 Mil) to Dec. 2024 ($874.45 Mil) and increased from Dec. 2024 ($874.45 Mil) to Dec. 2025 ($1,006.00 Mil).

University Bancorp's annual Total Liabilities increased from Dec. 2023 ($837.05 Mil) to Dec. 2024 ($874.45 Mil) and increased from Dec. 2024 ($874.45 Mil) to Dec. 2025 ($1,006.00 Mil).

University Bancorp Total Liabilities Historical Data

* Premium members only.

The historical data trend for University Bancorp's Total Liabilities 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.

University Bancorp Total Liabilities Chart

University Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Liabilities
Get a 7-Day Free Trial Premium Member Only Premium Member Only 414.57 706.31 837.05 874.45 1,006.00

University Bancorp Semi-Annual Data
Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Liabilities Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 414.57 706.31 837.05 874.45 1,006.00
UNIB
59GF Score
University Bancorp Inc UNIB
Total Liabilities is just one metric. See GF Score™, valuation, warning signs, and more.
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University Bancorp Total Liabilities Calculation

Total Liabilities are the liabilities that the company has to pay others. It is a part of the balance sheet of a company that shareholders do not own, and would be obligated to pay back if the company liquidated.

University Bancorp's Total Liabilities for the fiscal year that ended in Dec. 2025 is calculated as

Total Liabilities=Total Assets (A: Dec. 2025 )-Total Equity (A: Dec. 2025 )
=1144.197-138.202
=1,006.0

University Bancorp's Total Liabilities for the quarter that ended in Dec. 2025 is calculated as

Total Liabilities=Total Assets (Q: Dec. 2025 )-Total Equity (Q: Dec. 2025 )
=1144.197-138.202
=1,006.0

* 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.

Frequently Asked Questions Learn more about Total Liabilities →
What does a Total Liabilities of $1,006.0 Mil mean?
University Bancorp (UNIB) has a Total Liabilities of $1,006.0 Mil as of Dec. 2025. The total amount of liabilities as recorded on a company's balance sheet. View historical data for University Bancorp and its competitors.
Is University Bancorp's Total Liabilities too high?
University Bancorp's current Total Liabilities is $1,006.0 Mil. 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 Total Liabilities compare to OFED and CWBK?
University Bancorp's Total Liabilities of $1,006.0 Mil 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 Total Liabilities for a Banks company?
A good Total Liabilities depends on the Banks industry context. However, Total Liabilities 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 Total Liabilities mean?
A high Total Liabilities can signal that a stock is expensive relative to its fundamentals. The total amount of liabilities as recorded on a company's balance sheet. View historical data for University Bancorp and its competitors. University Bancorp's current Total Liabilities is $1,006.0 Mil. 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 Total Liabilities is $1,006.0 Mil. 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 Total Liabilities calculated?
Total Liabilities is calculated from a company's financial statements. For University Bancorp (UNIB), the current Total Liabilities is $1,006.0 Mil 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:

  • Total Liabilities: $1,006.0 Mil
  • 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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Total Liabilities is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.91
Price
$17.77
GF Value