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University Bancorp, Inc. UNIB

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Price alert · UNIB

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21.35 USD 0.00 0.00%

At close · Oct 30

21.35 Day range 21.35
16.20 52-week range 24.61
YTD
+10.05%
1 year
+26.18%
Open
21.35
Prev close
21.35
Mkt cap
110.37M
Vol
200
Avg vol
1.23K
EPS
1.70
P/E
12.56
More statistics
Low
21.35
High
21.35

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Financial health

Altman Z-Score

2.64 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 5
  • Debt / Equity 3
  • P/E 4
  • P/B 3

Valuation

P/E 11.4×
FY 2016: 9.6×FY 2017: 9.2×FY 2018: 20.9×FY 2019: 12.6×FY 2020: 2.3×FY 2021: 4.6×FY 2022: 22.9×FY 2023: 14.0×FY 2024: 8.2×FY 2025: 11.4×
FY 2016 5y median 11.4× FY 2025
P/S 0.7×
FY 2016: 0.7×FY 2017: 0.9×FY 2018: 0.9×FY 2019: 0.6×FY 2020: 0.5×FY 2021: 0.9×FY 2022: 0.9×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
P/B 0.8×
FY 2016: 2.0×FY 2017: 2.0×FY 2018: 1.6×FY 2019: 1.3×FY 2020: 1.1×FY 2021: 1.4×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 0.9×FY 2025: 0.8×
FY 2016 5y median 0.9× FY 2025
P/FCF -2.7×
FY 2016: -3.2×FY 2017: -14.3×FY 2018: 6884×FY 2019: -0.7×FY 2020: -2.8×FY 2021: 2.0×FY 2022: 1.7×FY 2023: 18.2×FY 2024: 4.8×FY 2025: -2.7×
FY 2016 5y median 2.0× FY 2025
EV/EBITDA 13.4×
FY 2016: -0.5×FY 2017: -8.8×FY 2018: -8.8×FY 2019: -9.2×FY 2020: -2.8×FY 2021: 0.6×FY 2022: 9.0×FY 2023: 17.7×FY 2024: 11.7×FY 2025: 13.4×
FY 2016 5y median 11.7× FY 2025
EV/Sales 1.3×
FY 2016: -0.1×FY 2017: -1.0×FY 2018: -0.8×FY 2019: -1.0×FY 2020: -0.9×FY 2021: 0.2×FY 2022: 0.7×FY 2023: 1.9×FY 2024: 1.6×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
FCF Yield -37.5%
FY 2016: -31.7%FY 2017: -7.0%FY 2018: 0.0%FY 2019: -134.7%FY 2020: -36.2%FY 2021: 50.8%FY 2022: 59.5%FY 2023: 5.5%FY 2024: 20.6%FY 2025: -37.5%
FY 2016 5y median 20.6% FY 2025

Profitability

Gross Margin 82.5%
FY 2016: 99.7%FY 2017: 99.4%FY 2018: 100.3%FY 2019: 99.7%FY 2020: 97.2%FY 2021: 100.0%FY 2022: 98.0%FY 2023: 82.9%FY 2024: 82.0%FY 2025: 82.5%
FY 2016 5y median 82.9% FY 2025
Operating Margin 8.9%
FY 2016: 12.5%FY 2017: 9.4%FY 2018: 6.0%FY 2019: 7.4%FY 2020: 29.4%FY 2021: 28.2%FY 2022: 6.0%FY 2023: 8.9%FY 2024: 12.0%FY 2025: 8.9%
FY 2016 5y median 8.9% FY 2025
Net Margin 6.6%
FY 2016: 7.7%FY 2017: 10.0%FY 2018: 4.2%FY 2019: 5.5%FY 2020: 21.1%FY 2021: 19.8%FY 2022: 4.3%FY 2023: 5.3%FY 2024: 8.6%FY 2025: 6.6%
FY 2016 5y median 6.6% FY 2025
ROE 7.2%
FY 2016: 21.1%FY 2017: 21.9%FY 2018: 7.4%FY 2019: 10.8%FY 2020: 49.5%FY 2021: 32.9%FY 2022: 4.8%FY 2023: 6.5%FY 2024: 11.2%FY 2025: 7.2%
FY 2016 5y median 7.2% FY 2025
ROIC 0.9%
FY 2016: 12.5%FY 2017: 13.3%FY 2018: 5.7%FY 2019: 6.6%FY 2020: 28.3%FY 2021: 16.9%FY 2022: 2.5%FY 2023: 2.7%FY 2024: 4.7%FY 2025: 0.9%
FY 2016 5y median 2.7% FY 2025
ROA 0.8%
FY 2016: 2.0%FY 2017: 2.1%FY 2018: 0.9%FY 2019: 1.0%FY 2020: 5.0%FY 2021: 5.1%FY 2022: 0.5%FY 2023: 0.6%FY 2024: 1.1%FY 2025: 0.8%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 13.3%
FY 2016: 16.7%FY 2017: 4.3%FY 2018: 3.3%FY 2019: 24.0%FY 2020: 101.6%FY 2021: -3.5%FY 2022: -31.0%FY 2023: 16.0%FY 2024: 18.6%FY 2025: 13.3%
FY 2016 FY 2025
Operating Income -15.7%
FY 2016: 23.6%FY 2017: -21.4%FY 2018: -34.1%FY 2019: 54.1%FY 2020: 695.3%FY 2021: -7.4%FY 2022: -85.2%FY 2023: 70.1%FY 2024: 60.7%FY 2025: -15.7%
FY 2016 FY 2025
EPS (diluted) -15.8%
FY 2016: 21.0%FY 2017: 30.7%FY 2018: -56.1%FY 2019: 46.5%FY 2020: 742.9%FY 2021: -8.9%FY 2022: -84.9%FY 2023: 46.6%FY 2024: 88.8%FY 2025: -15.8%
FY 2016 FY 2025
Free Cash Flow -313.6%
FY 2016: -7656.9%FY 2017: 71.7%FY 2018: 100.2%FY 2019: -830841.4%FY 2020: 58.7%FY 2021: 336.5%FY 2022: -10.2%FY 2023: -91.8%FY 2024: 334.0%FY 2025: -313.6%
FY 2016 FY 2025

Financial Health

Current Ratio 42.4×
FY 2016: 0.3×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 40.5×FY 2022: 51.9×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 42.4×
FY 2016 5y median 40.5× FY 2025
Quick Ratio 42.4×
FY 2016: 0.3×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 81.2×FY 2022: 104×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 42.4×
FY 2016 5y median 42.4× FY 2025
Debt / Equity 0.9×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.1×FY 2022: 0.9×FY 2023: 1.7×FY 2024: 1.5×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
Net Debt / EBITDA 6.1×
FY 2016: -5.6×FY 2017: -16.9×FY 2018: -18.6×FY 2019: -15.2×FY 2020: -4.3×FY 2021: -2.3×FY 2022: -2.5×FY 2023: 10.8×FY 2024: 6.5×FY 2025: 6.1×
FY 2016 5y median 6.1× FY 2025
Interest Coverage 0.5×
FY 2016: 38.4×FY 2017: 34.2×FY 2018: 20.1×FY 2019: 32.9×FY 2020: 197×FY 2021: 234×FY 2022: 2.9×FY 2023: 0.5×FY 2024: 0.7×FY 2025: 0.5×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 2.1%
FY 2016: 1.5%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.6%FY 2020: 0.2%FY 2021: 2.7%FY 2022: 2.7%FY 2023: 0.6%FY 2024: 1.2%FY 2025: 2.1%
FY 2016 5y median 2.1% FY 2025
Payout Ratio 22.9%
FY 2016: 14.4%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 6.5%FY 2020: 0.5%FY 2021: 11.5%FY 2022: 58.5%FY 2023: 7.6%FY 2024: 9.9%FY 2025: 22.9%
FY 2016 5y median 11.5% FY 2025

Annual · latest fiscal year ends 2025-12-31