OTCPK:UNIB

Stock Analysis Report

Executive Summary

University Bancorp, Inc. operates as the holding company for University Bank that provides various personal, business, and community banking services in the United States.

Snowflake

Fundamentals

Excellent balance sheet with concerning outlook.

Risks

  • University Bancorp is not covered by any analysts.

Share Price & News

How has University Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:UNIB

0.3%

US Banks

0.9%

US Market


1 Year Return

n/a

OTCPK:UNIB

-13.6%

US Banks

0.3%

US Market

No trading data on UNIB.

No trading data on UNIB.


Share holder returns

UNIBIndustryMarket
7 Day0%0.3%0.9%
30 Day0%-5.1%-1.9%
90 Day0.001%-3.5%1.6%
1 Yearn/a-11.2%-13.6%2.6%0.3%
3 Year26.9%26.9%43.6%33.7%41.0%31.8%
5 Year21.7%19.9%53.7%37.0%55.2%38.0%

Price Volatility Vs. Market

How volatile is University Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is University Bancorp undervalued based on future cash flows and its price relative to the stock market?

19%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

University Bancorp's share price is below the future cash flow value, but not at a moderate discount (< 20%).

University Bancorp's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

University Bancorp is overvalued based on earnings compared to the US Banks industry average.

University Bancorp is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for University Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

University Bancorp is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is University Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

8.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if University Bancorp is high growth as no revenue estimate data is available.

University Bancorp's earnings are expected to grow by 8.4% yearly, however this is not considered high growth (20% yearly).

Unable to compare University Bancorp's revenue growth to the United States of America market average as no estimate data is available.

University Bancorp's earnings growth is positive but not above the United States of America market average.

University Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if University Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has University Bancorp performed over the past 5 years?

16.6%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

University Bancorp's year on year earnings growth rate has been positive over the past 5 years, however the most recent earnings are below average.

University Bancorp's 1-year earnings growth is negative, it can't be compared to the 5-year average.

University Bancorp's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.


Return on Equity

University Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

University Bancorp used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if University Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is University Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

University Bancorp has an acceptable proportion of non-loan assets held.

University Bancorp has a low allowance for bad loans.

University Bancorp's liabilities are made up of primarily low risk sources of funding.

University Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at University Bancorp are broadly funded by customer deposits.

University Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is University Bancorp's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate University Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate University Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as University Bancorp has not reported any payouts.

Unable to verify if University Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as University Bancorp has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of University Bancorp's salary, the management and board of directors tenure and is there insider trading?

3.3yrs

Average management tenure


CEO

Stephen Ranzini (54yo)

29.6yrs

Tenure

US$100,500

Compensation

Mr. Stephen Lange Ranzini has been the President at Cityfed Financial Corp. since October, 2005. Mr. Ranzini has been President and Chief Executive Officer of University BanCorp. Inc., (formerly, Newberry  ...


Management Age and Tenure

3.3yrs

Average Tenure

59.5yo

Average Age

The tenure for the University Bancorp management team is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Stephen Ranzini (54yo)

    President & CEO

    • Tenure: 29.6yrs
    • Compensation: US$100.50k
  • Shawn Shepherd

    Senior VP & Operation Coordinator of Ann Arbor Insurance Centre

    • Tenure: 0.0yrs
  • Cathy Revord (59yo)

    Senior VP & Chief Human Resources Officer

    • Tenure: 0.0yrs
  • Ben Kramer

    Senior VP of Community Banking

    • Tenure: 0.0yrs
  • Dennis Agresta (60yo)

    Senior VP

    • Tenure: 0.0yrs
  • Tami Janowicz (60yo)

    Director

    • Tenure: 0.0yrs
  • Edward Burger

    President of Midwest Loan Services and Director of Midwest Loan Services

    • Tenure: 0.0yrs
    • Compensation: US$150.00k
  • Edie Jackson

    Chief Executive Officer of University Insurance

    • Tenure: 0.0yrs
  • Michael Yeager

    CFO, Executive VP

    • Tenure: 3.3yrs
  • Mark Smith

    Executive VP

    • Tenure: 2.6yrs

Board Members

  • Stephen Ranzini (54yo)

    President & CEO

    • Tenure: 29.6yrs
    • Compensation: US$100.50k
  • Michael Talley (68yo)

    Lead Independent Director

    • Tenure: 0.0yrs
  • Tami Janowicz (60yo)

    Director

    • Tenure: 0.0yrs
  • Joe Schwarz

    Director

    • Tenure: 0.0yrs
  • Edward Burger

    President of Midwest Loan Services and Director of Midwest Loan Services

    • Tenure: 0.0yrs
    • Compensation: US$150.00k
  • Alma Smith

    Director

    • Tenure: 0.0yrs
  • Willie Powell

    Vice Chair

    • Tenure: 0.0yrs
  • Armando Cavazos

    Director and Director of University Bank

    • Tenure: 0.0yrs
  • Larry Nichols

    Director

    • Tenure: 0.0yrs
  • Ron Reed

    Director

    • Tenure: 0.0yrs

Company Information

University Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: University Bancorp, Inc.
  • Ticker: UNIB
  • Exchange: OTCPK
  • Founded: 1890
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$44.918m
  • Shares outstanding: 5.20m
  • Website: https://www.university-bank.com

Location

  • University Bancorp, Inc.
  • 2015 Washtenaw Avenue
  • Ann Arbor
  • Michigan
  • 48104
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
UNIBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMar 1990

Biography

University Bancorp, Inc. operates as the holding company for University Bank that provides various personal, business, and community banking services in the United States. It accepts various checking, savi ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/19 23:46
End of Day Share Price2019/06/20 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.