How does UNIB's PE Ratio compare to its peers?

UNIB is good value based on its Price-To-Earnings Ratio (16x) compared to the peer average (51.7x).

How does UNIB's PE Ratio compare vs other companies in the US Banks Industry?

UNIB is expensive based on its Price-To-Earnings Ratio (16x) compared to the US Banks industry average (12.4x).

What is UNIB's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate UNIB's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of UNIB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

UNIB ($16.5) is trading below our estimate of [[fair value]] ($57.33)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

UNIB Stock Overview

Operates as the bank holding company for University Bank that provides various personal, business, and community banking services in the United States. More details

UNIB fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 71.2% below our estimate of its fair value

Earnings grew by 46% over the past year

Risk Analysis

Shares are highly illiquid

Shareholders have been diluted in the past year

Latest financial reports are more than 6 months old

Does not have a meaningful market cap ($85M)

My Notes

Capture your thoughts, links and company narrative

University Bancorp, Inc. Competitors

Freedom Financial Holdings

OTCPK:FDVA

US$76.7m

PBCO Financial

OTCPK:PBCO

US$73.3m

United Bancshares

OTCPK:UBOH

US$79.9m

Auburn National Bancorporation

NasdaqGM:AUBN

US$83.2m

Price History & Performance

Summary of share price highs, lows and changes for University Bancorp
Historical stock prices
Current Share Price	US$16.50
52 Week High	US$17.30
52 Week Low	US$12.94
Beta	0.40
1 Month Change	-2.94%
3 Month Change	0%
1 Year Change	11.11%
3 Year Change	-28.26%
5 Year Change	104.71%
Change since IPO	1,880.01%

Recent updates

Shareholder Returns

	UNIB	US Banks	US Market
7D	-2.1%	-1.1%	-0.4%
1Y	11.1%	29.5%	24.8%

Return vs Industry: UNIB underperformed the US Banks industry which returned 29.3% over the past year.

Return vs Market: UNIB underperformed the US Market which returned 23.9% over the past year.

Price Volatility

Is UNIB's price volatile compared to industry and market?
UNIB volatility
UNIB Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: UNIB's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine UNIB's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1890	n/a	Stephen Ranzini	www.university-bank.com

University Bancorp, Inc. operates as the bank holding company for University Bank that provides various personal, business, and community banking services in the United States. It offers checking, NOW, savings, money market, time deposit, and certificates of deposit accounts. The company’s consumer loans include home equity, short term, automobile, personal, and recreational vehicle loans, as well as home equity lines of credits; SBA, commercial real estate, equipment, home improvement, and other instalment loans; and non-profit loans, as well as working capital lines of credit.

University Bancorp, Inc. Fundamentals Summary

How do University Bancorp's earnings and revenue compare to its market cap?
UNIB fundamental statistics
Market cap	US$84.68m
Earnings (TTM)	US$5.29m
Revenue (TTM)	US$88.10m

16.0x

P/E Ratio

1.0x

P/B Ratio

Is UNIB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UNIB income statement (TTM)
Revenue	US$88.10m
Cost of Revenue	US$0
Gross Profit	US$88.10m
Other Expenses	US$82.82m
Earnings	US$5.29m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	1.03
Gross Margin	100.00%
Net Profit Margin	6.00%
Debt/Equity Ratio	146.0%

How did UNIB perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/25 05:08
End of Day Share Price	2024/12/23 00:00
Earnings	2023/12/31
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

University Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

University Bancorp OTCPK:UNIB Stock Report