University Bancorp, Inc.
University Bancorp, Inc. Fundamental Analysis
University Bancorp, Inc. (UNIB) shows moderate financial fundamentals with a PE ratio of 10.37, profit margin of 8.62%, and ROE of 11.79%. The company generates $0.1B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 36.5/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze UNIB's fundamental strength across five key dimensions:
Efficiency Score
WeakUNIB struggles to generate sufficient returns from assets.
Valuation Score
ExcellentUNIB trades at attractive valuation levels.
Growth Score
ModerateUNIB shows steady but slowing expansion.
Financial Health Score
WeakUNIB carries high financial risk with limited liquidity.
Profitability Score
WeakUNIB struggles to sustain strong margins.
Key Financial Metrics
Is UNIB Expensive or Cheap?
P/E Ratio
UNIB trades at 10.37 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, UNIB's PEG of 0.10 indicates potential undervaluation.
Price to Book
The market values University Bancorp, Inc. at 1.16 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.18 times EBITDA. This is generally considered low.
How Well Does UNIB Make Money?
Net Profit Margin
For every $100 in sales, University Bancorp, Inc. keeps $8.62 as profit after all expenses.
Operating Margin
Core operations generate 12.01 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.79 in profit for every $100 of shareholder equity.
ROA
University Bancorp, Inc. generates $1.07 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
University Bancorp, Inc. produces operating cash flow of $20.36M, showing steady but balanced cash generation.
Free Cash Flow
University Bancorp, Inc. generates strong free cash flow of $17.72M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $3.41 in free cash annually.
FCF Yield
UNIB converts 16.13% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.37
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.10
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.16
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.90
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.45
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.07
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.12
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.06
vs 25 benchmark
How UNIB Stacks Against Its Sector Peers
| Metric | UNIB Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.37 | 18.66 | Better (Cheaper) |
| ROE | 11.79% | 806.00% | Weak |
| Net Margin | 8.62% | -451.00% (disorted) | Weak |
| Debt/Equity | 1.45 | 1.00 | Weak (High Leverage) |
| Current Ratio | 0.07 | 662.02 | Weak Liquidity |
| ROA | 1.07% | -24409.00% (disorted) | Weak |
UNIB outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews University Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical