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University Bancorp Inc UNIB

Morningstar Rating
$14.65 +0.20 (1.38%)
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About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

UNIB is trading at a 598% premium.
Price
$14.60
Fair Value
$56.41
Uncertainty
Very High
1-Star Price
$49.43
5-Star Price
$74.53
Economic Moat
Mmbftx
Capital Allocation
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News

Trading Information

Previous Close Price
$14.45
Day Range
$14.6514.65
52-Week Range
$12.9415.05
Bid/Ask
$14.35 / $14.65
Market Cap
$72.23 Mil
Volume/Avg
100 / 1,391

Key Statistics

Price/Earnings (Normalized)
1.57
Price/Sales
0.84
Dividend Yield (Trailing)
Dividend Yield (Forward)
Total Yield

Company Profile

University Bancorp Inc is a holding company of University Bank (the Bank). It is a full-service community bank, which offers all customary banking services, including the acceptance of checking, savings and time deposits. The bank also makes commercial, real estate, personal, home improvement, automotive and another installment, credit card, and consumer loans, and provides fee-based services such as foreign currency exchange. The company's customer base is located in the Ann Arbor, Michigan metropolitan statistical area. Its segments include The Bank & Midwest (community banking & servicing), ULG (mortgage banking), and UIF (faith-based lending).
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Core
Total Number of Employees
81

Comparables

Valuation

Metric
UNIB
CCBG
IBTX
Price/Earnings (Normalized)
1.5710.8719.80
Price/Book Value
0.861.210.97
Price/Sales
0.842.534.83
Price/Cash Flow
8.218.4816.31
Price/Earnings
UNIB
CCBG
IBTX

Financial Strength

Metric
UNIB
CCBG
IBTX
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
UNIB
CCBG
IBTX
Return on Assets (Normalized)
5.50%1.15%0.74%
Return on Equity (Normalized)
58.33%11.40%5.87%
Return on Invested Capital (Normalized)
Return on Assets
UNIB
CCBG
IBTX
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Banks - Regional Industry Comparables

1-Day Chart
Name
Price
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
BNP Paribas ADR
BNPQY
TgtnlmbfkFfmy$79.7 Bil
Intesa Sanpaolo ADR
ISNPY
ZnjzbhnhySfm$73.5 Bil
U.S. Bancorp
USB
KllmckrswcKgnfp$71.1 Bil
PNC Financial Services Group Inc
PNC
WzyxlmxdYylzldy$71.0 Bil
Truist Financial Corp
TFC
BpnmdqkzQzdxm$59.1 Bil
Mizuho Financial Group Inc ADR
MFG
XbqpjktjpSmz$56.1 Bil
Itau Unibanco Holding SA ADR
ITUB
JzzyyqsVcy$55.7 Bil
Lloyds Banking Group PLC ADR
LYG
RjzstpyffHhxzz$47.9 Bil
NatWest Group PLC ADR
NWG
PjkmjbrwGdsjl$36.5 Bil
Deutsche Bank AG
DB
NygBbzfn$33.3 Bil

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