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Equity
University Bancorp Inc(UNIB)
USD --+0.00%
Reward40Moderate
Risk39Moderate
📊75%Data
Revenue growing 54% YoY
UNIB
+0.0 · +0.00%
USD · OTCQB
University Bancorp Inc | Financial Services
Deep Value
Market Cap:108.92M
ℹ️
Reward Rating
40
Moderate
Bottom 10% (model universe)
75% data coverage
ℹ️
Risk Rating
39
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on UNIB to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is University Bancorp Inc?

operates as the bank holding company for University Bank that provides various personal, business, and community banking services in the United States.

UNIB · Verdict

Moderate reward · moderate risk

UNIB stands out on volatility and cash flow, but watch the growth signal.

Based on 88% data coverage

UNIB · Verdict

What’s working & what to watch

Strengths 3

  • Volatility95/100

    Top decile vs peers

  • Cash flow75/100

    18% free-cash-flow margin

  • Valuation66/100

    Above average

Watchouts 2

  • Growth13/100

    Rev -7.8% CAGR · earnings -25.5%

  • Balance sheet31/100

    Below average

Model-based scoring. For information only — not financial advice.

What is University Bancorp Inc?

operates as the bank holding company for University Bank that provides various personal, business, and community banking services in the United States. The company offers checking, NOW, savings, money market, time deposit, and certificates of deposit accounts. The company is listed on the OTCQB in USA, operating in the Financial Services sector, with a market capitalisation of 108.92M, and a P/E ratio of 10.9x.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Adequate profitability with some margin variability in recent periods.
⚠️ Risk
Risk profile appears balanced versus broad market conditions.
💸 Valuation
Valuation appears fair relative to current fundamentals.

OpenBook Logo Analysis

Reward: Moderate (40)

The scoring profile indicates limited reward potential at this time, with valuation and profitability offering the most support. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap108.92M
P/E Ratio10.9356
Dividend Yield0.45%
52 Week High24.61
52 Week Low13.9924
Last AnnualDecember
IPO DateN/A
IncorporatedUSA
Shares Outstanding5M
No. of EmployeesN/A
IndustryBanks - Regional
ExchangeOTCQB
Beta0.207
CurrencyUSD
Websitewww.university-bank.com
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