Stock UNIB UNIVERSITY BANCORP, INC.
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Financials University Bancorp, Inc.

Equities

UNIB

US9140901052

Banks

Market Closed - OTC Markets
Other stock markets
 03:05:44 2024-04-24 pm EDT 		5-day change 1st Jan Change
13.02 USD -1.36% Intraday chart for University Bancorp, Inc. -1.36% -13.20%
2023 University Bancorp, Inc. Reports Earnings Results for the Full Year Ended December 31, 2022 CI
2022 University Bancorp, Inc. announced a financing transaction CI

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 47.33 46.83 41.95 59.85 110.3 83.51
Enterprise Value (EV) 1 -44.32 -33.89 -47.52 -125.1 33.22 78.02
P/E ratio 9.24 x 21.2 x 12.8 x 2.37 x 4.66 x 23.2 x
Yield - - - 1.19% 1.69% 2.66%
Capitalization / Revenue 0.88 x 0.84 x 0.61 x 0.45 x 0.83 x 0.91 x
EV / Revenue -0.83 x -0.6 x -0.69 x -0.93 x 0.25 x 0.85 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 2.02 x 1.55 x 1.25 x 1.06 x 1.43 x 1.06 x
Nbr of stocks (in thousands) 5,201 5,203 5,205 4,766 4,890 4,930
Reference price 2 9.100 9.000 8.060 12.56 22.55 16.94
Announcement Date 3/28/18 3/30/19 3/30/20 3/29/21 4/12/22 4/14/23
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 53.63 56.06 68.92 133.9 133.6 92.15
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 4.82 3.175 4.893 38.92 36.02 5.332
Net income 1 5.124 2.23 3.617 28 25.32 3.789
Net margin 9.56% 3.98% 5.25% 20.91% 18.96% 4.11%
EPS 2 0.9853 0.4241 0.6300 5.310 4.840 0.7300
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - 0.1500 0.3800 0.4500
Announcement Date 3/28/18 3/30/19 3/30/20 3/29/21 4/12/22 4/14/23
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 - - - - - -
Net Cash position 1 91.7 80.7 89.5 185 77 5.49
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 22.9% 8.14% 10.8% 61.5% 37.7% 4.84%
ROA (Net income/ Total Assets) 2.47% 0.99% 1.25% 6.68% 5.3% 0.65%
Assets 1 207.5 226.2 288.6 419.2 477.7 582.3
Book Value Per Share 2 4.490 5.800 6.450 11.90 15.70 16.00
Cash Flow per Share 2 17.80 15.80 18.60 41.90 19.80 17.40
Capex 1 3.41 2.45 1.89 1.62 2.96 0.75
Capex / Sales 6.36% 4.38% 2.75% 1.21% 2.22% 0.81%
Announcement Date 3/28/18 3/30/19 3/30/20 3/29/21 4/12/22 4/14/23
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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