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University Bancorp, Inc (UNIB) Fair Value & Analysis

Financial Services · US · Market cap $112M

Price$21.90
Fair Value$22.69
Upside+3.6%
Quality94/100
Evidence: High Range $17.02 – $28.36

Fair value as of: Jun 26, 2026

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Analysis

University Bancorp, Inc (UNIB) currently trades at $21.90, while our model-based Fair Value estimate is $22.69 — implying the stock looks roughly 3.6% undervalued today. We read business quality at 94/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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

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Frequently asked questions

Is University Bancorp, Inc (UNIB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $22.69 versus a price of $21.90 — about +4% (undervalued). Model-based estimate, not financial advice.
What is the fair value of UNIB?
Our 21-model fair value for University Bancorp, Inc is $22.69 (as of Jun 26, 2026), built from audited fundamentals. The current price is $21.90.
What is the quality score of UNIB?
University Bancorp, Inc has a Quality Score of 94/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.