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University Bancorp Inc (UNIB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of University Bancorp Inc stock $18.86, price $21.46, that is 12.1% below the price, quality 34 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

UB University Bancorp Inc logo Some data Nov 8, 2026

University Bancorp Inc

UNIB · US
Expensive, weak quality

Our calculation puts a fair price 12% below what the stock costs today.

1.4% dividend yield · Low payout
Upbeat coverage
Revenue last quarter +54% vs. a year ago.
Thin margins · 8.0% net margin (TTM)
Moderate moat 51/100 · thin data
Some data
Fair value $18.86 · Overvalued
Quality 34/100
Weak Growth (revenue 5y −4.1 %/yr in USD)
Trails peers (5/13)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$24.49 $4.94 Fair Value $18.86 Jul 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $4.94 – $24.49 · fair‑value band $16.75 – $20.47 · the $21.46 price screens above the $18.86 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

University Bancorp, Inc. operates as the bank holding company for University Bank that provides community banking products and services in the United States.

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The company offers personal checking, savings, money market, and deposits accounts, as well as certificate of deposit; consumer loans, including closed-end home equity, bridge, automobile, recreational vehicle, and personal loans, as well as home equity line of credit and credit cards; and business lending solutions, such as small business, commercial, and non-profit loans.

It also provides wealth management; ATM locator; online banking and bill pay; and other services comprising online reorder of checks, courier requests, and wire transfers.

In addition, the company engages in acceptance of checking, savings, and time deposits; installments; foreign currency exchange; loans services and subservices; and marketing, originating, processing, closing, and selling of retail mortgage loans.

Further, it is involved in the sale of life, health, property, and casualty insurance products, as well as annuities; investment in real estate-related assets, which includes residential mortgage loans, mortgage servicing rights, real property, small commercial mortgage loans, securities that are backed by underlying assets, and other related investments; and faith-based financial services.

The company was formerly known as Newberry Bancorp, Inc. and changed its name to University Bancorp, Inc. in July 1996. University Bancorp, Inc. was founded in 1890 and is based in Ann Arbor, Michigan.

Stock analysis

University Bancorp Inc (UNIB) currently trades at $21.46, while our model-based Fair Value estimate is $18.86, 12% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $22.33 per share, and 2 of the 6 models we run sit above the $21.46 price.

Bear case: the Dividend Discount group reads lowest at $5.22, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $16.75 (bear) to $20.47 (bull), the price of $21.46 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 34/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

University Bancorp Inc reported revenue of $107M in FY2025 versus $128M in FY2021, a compound −4.2%/yr. Reported net income was $9.0M in FY2025, compounding −22.7%/yr from FY2021.

Key figures

Market cap $111M Micro · P/E ratio 12.6 · P/S ratio 0.98 · EPS (TTM) $1.70 · Dividend yield 1.4% · Net margin 8.0% · Return on equity 8.2% · Return on assets (EBIT) 3.7% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).

What moves the price

The share trades about 12% below its 52-week high and 34% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −12%, UNIB screens cheaper than that median.

Fair Value models

Bear $16.75 Fair Value $18.86 Bull $20.47
Price $21.46 · Downside -12.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.20 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $18.41 $18.86 $20.47 74
Gordon GGM $3.05 $5.43 $7.40 66
DDM Multi-Stage $3.05 $5.00 $5.81 65
All 6 models by family
Dividend Discount
Gordon GGM $3.05 $5.43 $7.40 66
DDM Multi-Stage $3.05 $5.00 $5.81 65
Multiples
P/E Multiple $17.02 $22.69 $28.36 63
P/B Multiple $16.47 $21.96 $27.45 55
Asset-Based
NCAV (Graham) $7.84 $10.51 $15.68 54
Economic Profit
Residual Income $18.41 $18.86 $20.47 74

Open the full fair value analysis →

Quality Score breakdown

Overall quality 34/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 22
How much profit the company makes from its sales and capital
Quality Growth 43
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 8
Debt, balance sheet and risk of trouble
Investment 58
Does it invest with discipline instead of growing at any price?
Low Volatility 90
How calm the share price moves, does not count
Price momentum 54
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 79
Distance to the 52-week high, does not count
New shares 72
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 20/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+7.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−4.1%
Start year 2020 (pandemic). Over 10 years: +9.4% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.3%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
−18.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−20.2%
Dividend (yield on the price)1.4%
2025 sits 59% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

UNIB screens overvalued: fair value 12% below the price. Compare with China Merchants Bank Co →

Earlier news

News mood ⓘNews mood, the average tone of recent news (3 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 34 · Bottom 25%
Fair Value upside −12.1% · Above median
Profitability
Return on equity (12 months) 8.2% · Below median
Return on assets 0.8% · Below median
Net margin (12 months) 8.0% · Bottom 25%
Operating margin (12 months) 80.5% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 53.6% · Top 25%
Dividend yield (12 months) 1.4% · Bottom 25%
Balance sheet
Debt / equity 0.34× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 12.6× · Pricier than median
P/B 0.89× · Cheaper than median
P/S (12 months) 0.98× · Cheapest 25%
PEG 1.51× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)17 · sector 8
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)33 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)28 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs UNIB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs UNIB
BNP Paribas SA BNP €91.93 €106.01 +15% vs UNIB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs UNIB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs UNIB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs UNIB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs UNIB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs UNIB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs UNIB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs UNIB

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University Bancorp Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "University Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/UNIB

Frequently asked questions

Is University Bancorp Inc (UNIB) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $18.86 versus a price of $21.46, about 12% lower (overvalued).
What is the fair value of UNIB?
Our model-based fair value for University Bancorp Inc is $18.86 (as of Nov 8, 2026), built from audited fundamentals. The current price: $21.46.
What is the quality score of UNIB?
University Bancorp Inc has a Quality Score of 34/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for University Bancorp Inc (UNIB)?
Our model-based price target is the fair value of $18.86 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $16.75, optimistic scenario $20.47. It is a calculation from audited fundamentals, not an analyst target.
What is the University Bancorp Inc stock forecast for 2026?
Our models put fair value at $18.86, about 12% lower versus a price of $21.46 (overvalued). Cautious scenario $16.75, optimistic scenario $20.47. The calculation is refreshed regularly with new filings.
What is the revenue of University Bancorp Inc (UNIB)?
University Bancorp Inc reported trailing-twelve-month revenue of about $113M (latest available figure, as of Nov 8, 2026).
Does University Bancorp Inc pay a dividend?
University Bancorp Inc currently shows a dividend yield of 1.40% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of University Bancorp Inc (UNIB) and when is the ex-dividend date?
University Bancorp Inc pays a dividend of $0.3 per share a year, a dividend yield of 1.4%. The last ex-dividend date was Oct 1, 2026. The payout ratio is 17.6% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of University Bancorp Inc (UNIB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For University Bancorp Inc it is $18.86 per share (as of Nov 8, 2026), against a price of $21.46. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is University Bancorp Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, UNIB trades above its calculated fair value: price $21.46, fair value $18.86, a gap of about −12% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of UNIB?
No. The price is what the market pays today ($21.46); the fair value is what the company's own numbers justify ($18.86). For University Bancorp Inc the two are $2.60 per share apart. That gap is exactly why we show both numbers side by side.
How much is University Bancorp Inc worth?
The market values University Bancorp Inc at about $111M (market capitalisation, as of Nov 8, 2026). Per share that is $21.46; our models calculate a fair value of $18.86 per share.
What do the bullish and bearish scenarios say about UNIB?
Our models span a range for University Bancorp Inc: cautious scenario $16.75, base $18.86, optimistic $20.47 per share (as of Nov 8, 2026, price $21.46). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of UNIB?
University Bancorp Inc trades at a price-to-earnings ratio of 12.6 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $18.86 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2017 to 2025), reported earnings: 11.1. Other multiples: PEG 1.5, P/B 0.9, P/S 1.0.
What is the PEG ratio of UNIB?
The PEG ratio of University Bancorp Inc is 1.51 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of University Bancorp Inc (UNIB)?
Balance-sheet figures for University Bancorp Inc (as of Nov 8, 2026): return on equity 8.2%, debt of 0.34 per unit of equity. They feed the Quality Score of 34/100, which measures business quality independently of the share price.
How far is UNIB from its 52-week high?
University Bancorp Inc trades at $21.46, about 12% below its 52-week high of $24.49 and 34% above the low of $16.03 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $18.86 is for.
Which stocks are comparable to University Bancorp Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is University Bancorp Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $21.46, calculated fair value $18.86 (−12%), Quality Score 34/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of UNIB calculated?
We run University Bancorp Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $18.86 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. University Bancorp Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of University Bancorp Inc (UNIB)?
The closing price on Nov 6, 2026 was $21.46. Our model-based fair value is $18.86, about 12% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with University Bancorp Inc right now?
The price sits above even our optimistic bull case ($20.47). The favourable scenario is already priced in. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of University Bancorp Inc

How large is the market capitalisation of University Bancorp Inc (UNIB)?
The market capitalisation of University Bancorp Inc is $111M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of University Bancorp Inc (UNIB)?
The price-to-sales ratio of University Bancorp Inc is 0.98 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of University Bancorp Inc (UNIB)?
Earnings per share at University Bancorp Inc are $1.70 (price ÷ EPS = P/E 12.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of University Bancorp Inc (UNIB)?
The dividend yield of University Bancorp Inc is 1.4% (payout 17.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of University Bancorp Inc (UNIB)?
The net margin of University Bancorp Inc is 8.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of University Bancorp Inc (UNIB)?
The return on equity (ROE) of University Bancorp Inc is 8.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of University Bancorp Inc (UNIB)?
On an EBIT basis the return on assets of University Bancorp Inc is 3.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of University Bancorp Inc (UNIB)?
The operating margin of University Bancorp Inc is 80.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at University Bancorp Inc (UNIB)?
Revenue at University Bancorp Inc is growing +53.6% versus a year earlier (3y avg +7.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does University Bancorp Inc (UNIB) generate?
The free cash flow of University Bancorp Inc is −$37.6M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does University Bancorp Inc (UNIB) carry?
The net debt of University Bancorp Inc is $81.1M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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