Financial Services
University Bancorp, Inc.(UNIB)
Live Price
Offline$21.65
-1.14% today
1Y Change
+39.68%
Window
Jun 23, 2025 โ Jun 12, 2026
- Market Cap
- $120.00M
- Revenue Growth
- +13.3%
- EPS Growth
- -15.8%
- Dividend Yield
- 1.7%
Coverage: 245 bars ยท Jun 23, 2025 โ Jun 12, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
University Bancorp, Inc. (UNIB) is a Financial Services stock with a market cap of $120.00M and listed on OTC. The stock last traded around $21.65 and up 39.7% across the available one-year price window (Jun 23, 2025 โ Jun 12, 2026). Baseline metrics include revenue growth of +13.3%, EPS growth of -15.8%, a dividend yield of 1.7%. What stands out right now is revenue +13.3%, EPS -15.8%, free cash flow -313.6% with operating margin 8.9% and ROIC 0.9%. The dividend is present but secondary, with a yield around 1.7%. Valuation is more restrained than many high-expectation growth names at P/E 13.2 and price/sales 0.9. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines UNIB price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+13.3% vs +3.4% peer median
Operating Margin
Above sector median
+8.9% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2023 was reported on Jun 29, 2023, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at +13.3% and EPS is at -15.8%, with operating margin around 8.9%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 1.7%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +0.1% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2023 Jun 29, 2023 | โ | +0.0% | +0.1% | +1.3% |
2021 Sep 29, 2021 | โ | +0.0% | +0.1% | +1.3% |
2021 Jun 29, 2021 | โ | +0.0% | +0.1% | +1.3% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UNIB
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
UNIB Max Drawdown
-16.70%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for UNIB and SPY.
Company Overview
University Bancorp, Inc.
Other OTC
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 certificate 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; and commercial real estate, equipment, small business, and non-profit loans, as well as working capital lines of credit. In addition, the company offers foreign currency exchange; online banking and bill pay; online reorder checks; wire transfer; and courier services, as well as credit card and ATM services. Further, it provides life, health, property, and casualty insurance products, as well as investment products, including annuities. University Bancorp, Inc. was founded in 1890 and is based in Ann Arbor, Michigan.
- Leadership
- Stephen Lange Ranzini
- IPO Date
- Jun 8, 1987
- Employees
- 81
- Street Address
- 2015 Washtenaw Avenue
- Mailing
- Ann Arbor, MI, 48104
- Region
- Ann Arbor, MI, US
- Reporting Currency
- USD
- Investor Line
- 734 741 5858
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 13.2
- EV/EBITDA
- 14.8
- Price/Sales
- 0.9
- Price/Book
- 0.9
Growth
- Revenue
- +13.3%
- EPS
- -15.8%
- Free Cash Flow
- -313.6%
Profitability
- Gross Margin
- 82.5%
- Operating Margin
- 8.9%
- Net Margin
- 6.6%
- ROE
- 8.2%
- ROIC
- 0.9%
Balance Sheet
- Debt/Equity
- 0.88
- Current Ratio
- 42.36
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.