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University Bancorp, Inc. (UNIB)
Ann Arbor, MI, US
University Bancorp, Inc., established in 1890 and headquartered in Ann Arbor, Michigan, functions as the holding company for University Bank. This entity delivers a wide array of financial and banking solutions across the United States, serving personal, commercial, and community needs. Its product portfolio includes various deposit account options, such as checking, NOW, savings, money market, time deposit, and certificates of deposit (CDs). For individuals, the company facilitates loans including home equity, short-term, automobile, personal, and recreational vehicle financing, along with home equity lines of credit. Businesses and non-profit groups can access commercial real estate loans, equipment financing, small business loans, and working capital lines of credit. Additionally, the company offers an assortment of supplementary services like foreign currency exchange, comprehensive online banking with bill payment functionalities, convenient online check reordering, wire transfers, courier services, and access to credit cards and ATMs. Clients can also secure various insurance coverages, including life, health, property, and casualty policies, alongside investment products such as annuities.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | -6.52% | -2.67% | +22.51% | +10.82% | +34.46% | +53.57% | +43.33% | +186.67% | +186.67% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+13.3% Q2'25: -1.2% (vs Q1'21)
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EPS growth-15.8% Q2'25: -90.5% (vs Q1'21)
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FCF margin— Q2'25: +0.0% (vs Q1'21)
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EBIT margin— Q2'25: +13.8% (vs Q1'21)
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ROIC— Q2'25: +7.9% (vs Q1'21)
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Share dilution+0.0% Q2'25: +2.2% (vs Q1'21)
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Debt / EBITDA— Q2'25: 3.85× (vs Q1'21)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-26 | B- | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-22 | B- | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-21 | B- | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-15 | B | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-08 | B | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-06 | B | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-01 | B | 3/5 | 4/5 | 2/5 | 3/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-30 | B | 3/5 | 4/5 | 2/5 | 3/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-28 | B | 3/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-27 | B | 3/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-24 | B | 3/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-22 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-21 | B+ | 3/5 | 5/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-17 | B+ | 3/5 | 5/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-16 | B+ | 3/5 | 5/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2008-03-11 | FORTSON NICHOLAS K | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2006-01-11 | FORTSON NICHOLAS K | Officer | S-Sale | D | Common Stock, $0.01 par value | 2,380 | 2.06 | 4.9K | 150 | — | ↗ |
| 2005-12-31 | RANZINI JOSEPH LANGE | Director / 10% Owner | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2005-08-22 | JOVE CORP | Other | S-Sale | D | Common stock, $0.01 par value | 15,000 | 2.00 | 30.0K | 50,000 | — | ↗ |
| 2005-06-01 | JOVE CORP | Other | S-Sale | D | Common Stock, par value $0.01 | 20,000 | 2.00 | 40.0K | 60,000 | — | ↗ |
| 2005-04-15 | RANZINI JOSEPH LANGE | Director / 10% Owner | P-Purchase | A | Common Stock, $0.01 par value | 4,422 | 1.90 | 8.4K | 2,016,779 | — | ↗ |
| 2005-04-14 | RANZINI JOSEPH LANGE | Director / 10% Owner | P-Purchase | A | Common Stock, $0.01 par value | 300 | 1.90 | 570.00 | 2,012,357 | — | ↗ |
| 2005-04-13 | RANZINI JOSEPH LANGE | Director / 10% Owner | P-Purchase | A | Common Stock, $0.01 par value | 200 | 1.90 | 380.00 | 2,012,057 | — | ↗ |
| 2005-04-05 | RANZINI JOSEPH LANGE | Director / 10% Owner | S-Sale | D | Common Stock, $.01 par value | 700 | 1.90 | 1.3K | 2,010,457 | — | ↗ |
| 2005-02-22 | RANZINI JOSEPH LANGE | Director / 10% Owner | P-Purchase | A | Common Stock, $.01 par value | 12,800 | 1.90 | 24.3K | 2,011,157 | — | ↗ |
| 2004-12-01 | FORTSON NICHOLAS K | Officer | S-Sale | D | Common stock, $0.01 par value | 7,620 | 2.02 | 15.4K | 2,530 | — | ↗ |
| 2003-08-16 | RANZINI MILDRED LANGE | 10% Owner | P-Purchase | A | Common Stock | 80,000 | 1.00 | 80.0K | 2,322,482 | — | ↗ |
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Stephen Lange Ranzini | President, Chief Executive Officer & Director | 100.5K | male |
| Benjamin T. Kramer | Senior Vice President of Community Banking | — | male |
| Dennis Agresta | Senior Vice President, Controller & Treasurer | — | male |
| Laura Gallagher | Chief Human Resources Officer | — | — |
| Veronica Sellers | Executive Vice President & Chief Risk Officer | — | — |
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for UNIB
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
