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University Bancorp(OTC) UNIB

Current Price$22.25
Market Cap$117.33MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1992)+2,965%
5 Year+57%
1 Year+43%
1 Month+3%
University Bancorp last closing stock price
MetricPriceDate
Last closeUSD 22.252026-07-24
University Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.37%USD 22.562026-07-17
1 month+2.77%USD 21.652026-06-24
3 month-7.29%USD 24.002026-04-24
Year to date+15.82%USD 19.212025-12-31
1 year+43.02%USD 15.562025-07-22
3 year+67.74%USD 13.262023-07-13
5 year+57.49%USD 14.132021-07-23
Since inception+2,965.17%USD 0.741992-05-01

University Bancorp Financials at a Glance

Market Cap

$117.33MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$46.44M

Net Income (TTM)

$16.74M

EPS (TTM)

$0.00

P/E Ratio

0.00

Dividend

$0.00

Beta (Volatility)

0.09 (Low)

Price

$22.25

Volume

300

Open

$22.30

Previous Close

$22.25

Daily Range

$22.25 - $22.30

52-Week Range

$15.50 - $24.61

Estimated Earnings Date

Mar 26, 2025

UNIB News

No articles available.

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About University Bancorp

University Bancorp, Inc. is a financial services holding company based in Ann Arbor, Michigan, established in 1890. The company operates University Bank, providing a diverse range of banking and financial solutions to personal, commercial, and community clients across the United States.

Products and Services
  • Various deposit accounts including checking, savings, and CDs
  • Loan offerings such as home equity, auto, and small business loans
  • Additional services like online banking, foreign currency exchange, and insurance products
Growth Outlook
  • Recent quarterly revenue reached $8.91 million, indicating strong operational performance
  • Trailing twelve months (TTM) net income stands at $8.9 million, showcasing profitability
  • Return on equity (ROE) is 12.59%, reflecting effective management of shareholder funds
Financial Highlights
  • TTM revenue of $29.2 million demonstrates consistent growth
  • Net profit margin of 32.70% indicates strong profitability
  • Dividend yield of 1.80% offers attractive returns to shareholders
University Bancorp, Inc. has established itself as a reliable player in the regional banking sector, with a comprehensive suite of products tailored to meet the needs of its diverse clientele. The company's recent financial performance highlights its ability to generate substantial revenue and maintain a strong profit margin, positioning it well for future growth. The solid return on equity further underscores the effectiveness of its management strategies. With a commitment to delivering quality financial services, University Bancorp, Inc. continues to enhance its market presence and shareholder value.
AI Generated • Jul 25, 2026

Industry

Banks

Sector

Financials

CEO

Stephen Lange Ranzini

Website

www.university-bank.com

Headquarters

Ann Arbor, MI 48104, US

UNIB Financials

Key Financial Metrics (TTM)

Gross Margin

89.71%

Operating Margin

34.95%

Net Income Margin

32.70%

Return on Equity

12.59%

Return on Capital

5.21%

Return on Assets

8.55%

Earnings Yield

N/A

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$117.33MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

5.20M

Volume

300

Avg. Volume

602.355

Financials (TTM)

Gross Profit

$41.66M

Operating Income

$17.79M

EBITDA

$6.34M

Operating Cash Flow

-$7.77M

Capital Expenditure

-$123.80K

Free Cash Flow

-$7.89M

Cash & ST Invst.

$0.00

Total Debt

$43.27M

University Bancorp Performance Analysis

University Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 95,809,606-26.7%
20232023-12-31USD 108,382,83413.1%
20242024-12-31USD 125,261,59615.6%
20252025-12-31USD 137,946,14610.1%
University Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22023-06-30N/A
Q22025-06-30N/A
Q42025-12-31N/A
Q12026-03-31204.3%
University Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.73-84.8%
20232023-12-31USD 1.0746.0%
20242024-12-31USD 2.0289.1%
20252025-12-31USD 1.70-15.8%
University Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22023-06-30N/A
Q22025-06-30N/A
Q42025-12-31N/A
Q12026-03-31144.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$8.91M

-91.5%

Gross Profit

$8.91M

-91.5%

Gross Margin

100.00%

N/A

Market Cap

$117.33MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.45M

N/A

Employees

81

N/A

Net Income

$8.90M

-91.5%

EBITDA

$0.00

-100.0%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$0.00

-100.0%

Total Debt

$43.27M

+1130.5%

Accounts Receivable

$0.00

-100.0%

Inventory

$0.00

N/A

Long Term Debt

$43.27M

N/A

Short Term Debt

$0.00

-100.0%

Return on Assets

8.55%

N/A

Return on Invested Capital

9.14%

N/A

Free Cash Flow

$0.00

+100.0%

Operating Cash Flow

$0.00

+100.0%

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Questions About UNIB

What is the current price of University Bancorp?

University Bancorp is trading at $22.25 per share.

What is the 52-week range for University Bancorp?

Over the past 52 weeks, University Bancorp has traded between $15.50 and $24.61.

How much debt does University Bancorp have?

As of the most recent reporting period, University Bancorp reported total debt of $73.69M.

How much cash does University Bancorp have on hand?

University Bancorp does not have cash on hand data available.

What is University Bancorp’s dividend yield?

University Bancorp does not currently have a dividend yield.

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