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

As of Sep 23, 2026: fair value of University Bancorp Inc $20.95, price $22.00, upside -4.8%, quality 35 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · US · ISIN US9140901052

UB University Bancorp Inc logo Some data Sep 23, 2026

University Bancorp Inc

UNIB · US

Low PriorityFair Value upside is limited and quality is weak.

·Fair value $20.95 · Fairly valued (−5%)
!Quality 35/100
!Weak Growth (revenue 5y −4.1 %/yr)
✓Solidly profitable · 14.8% net margin (TTM)
!Low debt · negative free cash flow
·1.36% dividend yield
!Trails peers (5/13)
!Moderate moat 55/100
!Evidence only medium, so the estimate is less certain
!Weak on valuation: 27 out of 100
!Weak on dividend: 27 out of 100
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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 $20.95 Jul 2015 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $4.94 – $24.49 · fair‑value band $15.71 – $26.18 · the $22.00 price screens above the $20.95 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 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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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 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 $22.00, while our model-based Fair Value estimate is $20.95, implying the stock looks roughly 5.0% fairly valued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $22.69 per share, and 2 of the 4 models we run sit above the $22.00 price.

Bear case: the Asset-Based group reads lowest at $16.24, and 2 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: $15.71 (bear) to $26.18 (bull), the price of $22.00 sits inside 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 35/100 (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 $114M · P/E ratio 12.9 · P/S ratio 1.09 · EPS (TTM) $1.70 · Dividend yield 1.4% · Net margin 8.4% · Return on equity 8.2% · Return on assets (EBIT) 3.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).

What moves the price

The share trades about 10% below its 52-week high and 38% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −5%, UNIB screens cheaper than that median.

Fair Value models

Bear $15.71 Fair Value $20.95 Bull $26.18
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.03 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income $17.74 $17.96 $17.09 74
P/E Multiple $17.02 $22.69 $28.36 63
P/B Multiple $22.25 $29.67 $37.09 55
All 4 models by family
Multiples
P/E Multiple $17.02 $22.69 $28.36 63
P/B Multiple $22.25 $29.67 $37.09 55
Asset-Based
NCAV (Graham) $12.12 $16.24 $24.24 54
Economic Profit
Residual Income $17.74 $17.96 $17.09 74

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Quality Score breakdown

Overall quality 35/100

Of which business quality 28 · Market factors (momentum, volatility) 72

Profitability 22
Margins and returns on capital today
Quality Growth 43
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 8
Balance sheet, leverage, solvency risk
Investment 58
Disciplined investing over empire-building
Low Volatility 86
Calm price path (market factor)
Momentum 59
Price trend over the last 3–12 months (market factor)
52W Momentum 79
Distance to the 52-week high (market factor)
Net Issuance 72
Share count: buybacks or dilution?

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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. 25/100
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%
Profit margin 2013 to 2018 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.31% → 7%
2025 sits 59% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

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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 · 1076 stocks

Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 34 · Bottom 25%
Fair Value upside −5% · Above median
Profitability
Return on equity (TTM) 8% · Below median
Return on assets 1% · Below median
Net margin (TTM) 15% · Bottom 25%
Operating margin (TTM) 98% · Top 25%
Growth and dividend
Revenue growth 54% · Top 25%
Dividend yield (TTM) 1.4% · Bottom 25%
Balance sheet
Debt / equity 0.34× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 12.9× · Pricier than median
P/B 0.91× · Cheaper than median
P/S (TTM) 0.93× · Cheapest 25%
PEG 1.51× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)27 · sector 11
FUTURE (revenue growth)100 · sector 45
PAST (return on equity)33 · sector 41
HEALTH (low debt)83 · sector 85
DIVIDEND (yield)27 · sector 53

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
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €98.43 €105.99 +8%
UniCredit S.p.A UCG €82.18 €77.62 −6%
Mizuho Financial Group MFG $10.74 $6.75 −37%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $224.03 $159.52 −29%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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University Bancorp Inc · Fair Value
$20.95 −5%Fair Value
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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 Sep 23, 2026, our model estimates a fair value of $20.95 versus a price of $22.00, about −5% upside (fairly valued).
What is the fair value of UNIB?
Our model-based fair value for University Bancorp Inc is $20.95 (as of Sep 23, 2026), built from audited fundamentals. The current price: $22.00.
What is the quality score of UNIB?
University Bancorp Inc has a Quality Score of 35/100. 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 $20.95 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $15.71, optimistic scenario $26.18. 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 $20.95, about −5% upside versus a price of $22.00 (fairly valued). Cautious scenario $15.71, optimistic scenario $26.18. 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 $122M (latest available figure, as of Sep 23, 2026).
Does University Bancorp Inc pay a dividend?
University Bancorp Inc currently shows a dividend yield of about 1.36% relative to its recent price (as of Sep 23, 2026).
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 $20.95 per share (as of Sep 23, 2026), against a price of $22.00. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is University Bancorp Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, UNIB trades above its calculated fair value: price $22.00, fair value $20.95, a gap of about −5% (fairly valued). 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 ($22.00); the fair value is what the company's own numbers justify ($20.95). For University Bancorp Inc the two are $1.05 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 $114M (market capitalisation, as of Sep 23, 2026). Per share that is $22.00; our models calculate a fair value of $20.95 per share.
What do the bullish and bearish scenarios say about UNIB?
Our models span a range for University Bancorp Inc: cautious scenario $15.71, base $20.95, optimistic $26.18 per share (as of Sep 23, 2026, price $22.00). 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 12.9 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $20.95 is built from several models across several years. Other multiples: PEG 1.5, P/B 0.9, P/S 0.9.
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 Sep 23, 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 Sep 23, 2026): return on equity 8.2%, debt of 0.34 per unit of equity. They feed the Quality Score of 35/100, which measures business quality independently of the share price.
How far is UNIB from its 52-week high?
University Bancorp Inc trades at $22.00, about 10% below its 52-week high of $24.49 and 38% above the low of $15.94 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $20.95 is for.
Which stocks are comparable to University Bancorp Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 23, 2026: price $22.00, calculated fair value $20.95 (−5%), Quality Score 35/100, from 4 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 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $20.95, 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 13.0 % 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 Sep 23, 2026 was $22.00. Our model-based fair value is $20.95, about −5% upside (fairly valued). 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 close to our fair value, market and models broadly agree here, little valuation tension. 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 $114M. 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 1.09 (P/E × margin). 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 12.9). 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 8.4% (fiscal year 2025). 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 98.1% (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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