University Bancorp Past Earnings Performance
Past criteria checks 1/6
University Bancorp's earnings have been declining at an average annual rate of -84.7%, while the Banks industry saw earnings growing at 9.6% annually. Revenues have been declining at an average rate of 31% per year. University Bancorp's return on equity is 4.8%, and it has net margins of 3.9%.
Key information
-84.7%
Earnings growth rate
-85.0%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | -31.0% |
| Return on equity | 4.8% |
| Net Margin | 3.9% |
| Last Earnings Update | 31 Dec 2022 |
Recent past performance updates
No updates
Recent updates
No updates
Revenue & Expenses BreakdownBeta
How University Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 22 | 92 | 4 | 81 | 0 |
| 31 Dec 21 | 134 | 24 | 91 | 0 |
| 31 Dec 20 | 134 | 28 | 89 | 0 |
| 31 Dec 19 | 69 | 3 | 60 | 0 |
| 31 Dec 18 | 56 | 2 | 50 | 0 |
| 31 Dec 17 | 54 | 5 | 46 | 0 |
| 31 Dec 16 | 51 | 4 | 42 | 0 |
| 31 Dec 15 | 44 | 3 | 37 | 0 |
| 31 Dec 14 | 37 | 1 | 33 | 0 |
| 31 Dec 13 | 39 | 2 | 32 | 0 |
Quality Earnings: UNIB has high quality earnings.
Growing Profit Margin: UNIB's current net profit margins (3.9%) are lower than last year (17.7%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if UNIB's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: UNIB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: UNIB had negative earnings growth (-84.7%) over the past year, making it difficult to compare to the Banks industry average (-12.9%).
Return on Equity
High ROE: UNIB's Return on Equity (4.8%) is considered low.