Income statement
USD
Annual
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 121M | 102M | 88M | 128M | 133M |
| Gross Profit | 100M | 85M | 86M | 128M | 129M |
| Operating Income | 15M | 9M | 5M | 36M | 39M |
| EBITDA | 16M | 11M | 7M | 38M | 41M |
| Net Income | 10M | 5M | 4M | 25M | 28M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$21.65
-1.14% today
1Y Change
+39.68%
Window
Jun 23, 2025 → Jun 12, 2026
Coverage: 245 bars · Jun 23, 2025 → 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 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UNIB
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
UNIB Max Drawdown
-16.70%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for UNIB and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$132.5M
+3.7% YoY
FY Net Income
$28.0M
+10.6% YoY
Free Cash Flow
-$23.4M
-142.3% YoY
Revenue Growth
+13.3%
EPS Growth
-15.8%
Gross Margin
82.5%
Net Margin
6.6%
Income statement
USD
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 121M | 102M | 88M | 128M | 133M |
| Gross Profit | 100M | 85M | 86M | 128M | 129M |
| Operating Income | 15M | 9M | 5M | 36M | 39M |
| EBITDA | 16M | 11M | 7M | 38M | 41M |
| Net Income | 10M | 5M | 4M | 25M | 28M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Cash & Equivalents | 30M | 25M | 86M | 97M | 200M |
| Total Assets | 980M | 932M | 794M | 500M | 558M |
| Total Liabilities | 874M | 837M | 706M | 415M | 495M |
| Shareholder Equity | 94M | 84M | 79M | 77M | 57M |
| Total Debt | 136M | 141M | 67M | 10M | 22M |
| Net Debt | 106M | 116M | -4M | -70M | -178M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
22M
-137.3% YoY
Capital Expenditures
2M
+45.2% YoY
Free Cash Flow
23M
-142.3% YoY
Key ratios
Gross Margin
82.5%
Operating Margin
8.9%
Net Margin
6.6%
ROE
8.2%
Debt / Equity
0.88x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.