University Bancorp Statistics

Total Valuation

UNIB has a market cap or net worth of 124.07 million.

Market Cap	124.07M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Friday, June 12, 2026.

Earnings Date	Jun 12, 2026
Ex-Dividend Date	Apr 2, 2026

Share Statistics

UNIB has 5.17 million shares outstanding. The number of shares has increased by 4.72% in one year.

Current Share Class	5.17M
Shares Outstanding	5.17M
Shares Change (YoY)	+4.72%
Shares Change (QoQ)	+25.39%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	0.00%
Float	n/a

Valuation Ratios

The trailing PE ratio is 6.93.

PE Ratio	6.93
Forward PE	n/a
PS Ratio	1.01
PB Ratio	0.93
P/TBV Ratio	0.93
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on Equity (ROE)	n/a
Return on Assets (ROA)	n/a
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.14%
Revenue Per Employee	1.51M
Profits Per Employee	221,556
Employee Count	81
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UNIB has paid 2.46 million in taxes.

Income Tax	2.46M
Effective Tax Rate	11.41%

Stock Price Statistics

The stock price has increased by +39.05% in the last 52 weeks. The beta is 0.25, so UNIB's price volatility has been lower than the market average.

Beta (5Y)	0.25
52-Week Price Change	+39.05%
50-Day Moving Average	21.67
200-Day Moving Average	17.17
Relative Strength Index (RSI)	52.98
Average Volume (20 Days)	906

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, UNIB had revenue of 122.50 million and earned 17.95 million in profits. Earnings per share was 3.46.

Revenue	122.50M
Gross Profit	122.50M
Operating Income	22.25M
Pretax Income	21.57M
Net Income	17.95M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	3.46

Full Income Statement

Balance Sheet

The company has 19.20 million in cash and 44.05 million in debt, giving a net cash position of -24.85 million or -4.81 per share.

Cash & Cash Equivalents	19.20M
Total Debt	44.05M
Net Cash	-24.85M
Net Cash Per Share	-4.81
Equity (Book Value)	132.74M
Book Value Per Share	25.68
Working Capital	21.34M

Full Balance Sheet

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	18.16%
Pretax Margin	17.61%
Profit Margin	14.82%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.30, which amounts to a dividend yield of 1.25%.

Dividend Per Share	0.30
Dividend Yield	1.25%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	1
Payout Ratio	n/a
Buyback Yield	-4.72%
Shareholder Yield	-3.47%
Earnings Yield	14.46%
FCF Yield	n/a

Dividend Details

Stock Splits

The last stock split was on February 25, 1998. It was a forward split with a ratio of 1.5.

Last Split Date	Feb 25, 1998
Split Type	Forward
Split Ratio	1.5

Scores

Altman Z-Score	n/a
Piotroski F-Score	1