University BancorpUNIB +0.09%57 5-Year Yield-on-Cost % is 1.78 as of Jul. 09, 2026, which is 22% above its 10-year median of 1.46. GuruFocus rates UNIB with a GF Score™ of 57/100 and a GF Value™ of $17.80 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,254 Banks companies, University Bancorp ranks worse than 84.69% on this metric.
University Bancorp's yield on cost for the quarter that ended in Dec. 2025 was 1.78.
The historical rank and industry rank for University Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
UNIB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.52 Med: 1.46 Max: 3.28
Current: 1.78
During the past 13 years, University Bancorp's highest Yield on Cost was 3.28. The lowest was 0.52. And the median was 1.46.
UNIB's 5-Year Yield-on-Cost % is ranked worse than 84.69% of 1254
companies
in the Banks industry
Industry Median: 3.94
vs UNIB: 1.78
University Bancorp (OTCPK:UNIB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
University Bancorp 5-Year Yield-on-Cost % Related Terms
UNIB vs KTHN, PNBK, FKYS: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, University Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, University Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where University Bancorp's 5-Year Yield-on-Cost % falls into.
University Bancorp 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
University Bancorp (UNIB) has a 5-Year Yield-on-Cost % of 1.78 as of Jul. 09, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on University Bancorp and its competitors. This is 22% above median its historical median of 1.46. Over the past decade, University Bancorp's 5-Year Yield-on-Cost % has ranged from 0.52 to 3.28. According to the industry distribution chart, University Bancorp ranks #1062 out of 1254 companies in the Banks industry, placing it in the top 84.7%.
Is University Bancorp's 5-Year Yield-on-Cost % too high?
University Bancorp's current 5-Year Yield-on-Cost % of 1.78 is 22% above median its 10-year median of 1.46. Over the past 10 years, this metric has ranged from a low of 0.52 to a high of 3.28. The Banks industry median 5-Year Yield-on-Cost % is 3.94. University Bancorp's value of 1.78 is 54.8% below this industry median. Based on the distribution chart, University Bancorp ranks #1062 out of 1254 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 5-Year Yield-on-Cost % compare to KTHN and PNBK?
According to the Banks industry distribution chart, University Bancorp ranks #1062 out of 1254 companies for 5-Year Yield-on-Cost %. This places University Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.94. University Bancorp's value of 1.78 is 54.8% below this benchmark. Historically, University Bancorp's own 5-Year Yield-on-Cost % has ranged from 0.52 to 3.28 over the past decade. While the company's 10-year median is 1.46 vs. the industry median of 3.94, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.94, based on 1,254 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. University Bancorp's current 5-Year Yield-on-Cost % of 1.78 is 54.8% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on University Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. University Bancorp's current 5-Year Yield-on-Cost % is 1.78, which is 22% above median its own 10-year median of 1.46. 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 $17.80, compared to a current price of $22.52 — trading 26.5% above its estimated fair value. The current 5-Year Yield-on-Cost % is 1.78, which is 22% above median its 10-year median of 1.46 and 54.8% below the Banks industry median of 3.94. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For University Bancorp (UNIB), the current 5-Year Yield-on-Cost % is 1.78 as of Jul. 09, 2026. 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 26.5% above its estimated GF Value™ of $17.80.
GuruFocus considers University Bancorp to be Modestly Overvalued.
Key valuation signals for UNIB:
5-Year Yield-on-Cost %: 1.78 (22% above median its 10-year median of 1.46)
GF Value™: $17.80 vs. price of $22.52 (26.5% above fair value)
Industry Position: 54.8% below the Banks median (#1062 of 1254)
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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