University Bancorp, Inc. Financial Ratios — UNIB Stock

Profitability (USD)

	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	-8.21	10.75	23.68	7.63	24.94	23.14	24.72	8.3	10.38	61.46	37.52	4.65	6.5	11.79	8.05
Return on Assets (%)	-0.53	0.73	1.83	0.65	2.07	2.04	2.35	0.9	1.19	6.09	4.79	0.59	0.63	1.1	0.85
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	20.05	3.94	18.38	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.63	12.39	12.58	5.49	14.15	2.04	1.97	3.05	3.05	1.68	1.49	2.19	1.99	1.77	1.28
Operating Margin (%)	-3.97	8.74	10.05	2.8	11.79	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	45.73	10.53	201.1	58.24	-71.04	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-5.83	5.96	10.05	2.8	11.79	12.49	9.41	6.01	7.46	29.41	28.18	6.17	10.57	14.54	11.43
Profit Margin (%)	-5.56	6.64	4.99	2.14	7.46	7.76	10.01	4.22	5.52	21.17	19.81	4.38	6.32	10.44	8.39
Net Income to Common Margin (%)	-5.99	6.22	4.99	2.14	7.46	7.76	10.01	4.2	5.04	20.94	19.6	4.19	6.16	10.44	8.2
Effective Tax Rate (%)	- -	- -	33.88	36.57	34.5	34.61	- -	23.45	22.01	21.07	22.16	20.99	25.04	18.94	18.83
Dvd Payout Ratio (%)	8.97	-4.06	- -	37.11	0.78	12.98	- -	-0.32	-2.02	-0.45	8.71	45.87	3.37	7.85	17.33
Sustainable Growth Rate (%)	-7.47	11.19	23.68	4.8	24.74	20.14	24.72	8.32	10.59	61.74	34.25	2.52	6.28	10.86	6.66

Credit (USD)

Credit Ratios API ChatGPT

	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	1	1	2	2	2	2	9	22	23	82	141	136	112
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	90	66
LT Debt	- -	- -	1	1	2	2	2	2	9	22	23	82	140	46	45
Total Debt/EBITDA	- -	- -	0.27	0.77	0.27	2.35	1.65	1.02	4.39	9.7	11.95	43.14	82.86	76.59	80.96
Net Debt/EBITDA	-81.91	-11.44	-2.59	-3.68	-9.76	-40.01	-97.67	-55.29	-55.07	-82.17	-41.22	-3.68	65.7	57.82	58.73
Total Debt/EBIT	- -	- -	0.34	1.52	0.32	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	95.4	-16.24	-3.24	-7.21	-11.72	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.02	6.78	8.49	8.56	8.12	9.47	9.51	12.22	9.27	10.15	15.39	9.91	9.01	9.55	10.95
Long-Term Debt/Equity (%)	- -	- -	8.77	10.04	9.24	11.32	6.32	4.9	23.78	34.43	26.47	92.99	148.48	43.43	32.84
Long-Term Debt/Capital (%)	- -	- -	8.06	9.12	8.46	10.17	5.95	4.67	19.21	25.61	20.93	48.18	59.5	18.99	18.15
Long-Term Debt/Total Assets (%)	- -	- -	1.11	1.24	0.88	1.23	0.68	0.66	2.43	3.87	4.54	10.29	15.07	4.68	3.97
Total Debt/Equity (%)	- -	- -	8.77	10.04	9.24	11.32	6.32	4.9	23.78	34.43	26.47	92.99	149.53	128.69	80.91
Total Debt/Capital (%)	- -	- -	8.06	9.12	8.46	10.17	5.95	4.67	19.21	25.61	20.93	48.18	59.93	56.27	44.72
Total Debt/Total Assets (%)	- -	- -	1.11	1.24	0.88	1.23	0.68	0.66	2.43	3.87	4.54	10.29	15.18	13.86	9.77
Net Debt to Equity	-347.13	-154.89	-84.3	-47.7	-335.49	-192.78	-373.5	-266.81	-298.18	-291.52	-91.27	-7.94	118.57	97.14	58.7
Net Debt/Capital (%)	140.46	282.17	-537	-91.2	142.46	207.78	136.56	159.95	161.7	158.11	-674.11	-8.31	53.18	48.4	36.45
EBITDA	- -	1	5	2	6	1	1	2	2	2	2	2	2	2	1
EBITDA-CapEx	- -	1	4	1	5	- -	-2	-1	- -	1	-1	1	1	-1	- -
Operating Income (Loss)	- -	1	4	1	5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.02	6.78	8.49	8.56	8.12	9.47	9.51	12.22	9.27	10.15	15.39	9.91	9.01	9.55	10.95
Long-Term Debt/Equity (%)	- -	- -	8.77	10.04	9.24	11.32	6.32	4.9	23.78	34.43	26.47	92.99	148.48	43.43	32.84
Long-Term Debt/Capital (%)	- -	- -	8.06	9.12	8.46	10.17	5.95	4.67	19.21	25.61	20.93	48.18	59.5	18.99	18.15
Long-Term Debt/Total Assets (%)	- -	- -	1.11	1.24	0.88	1.23	0.68	0.66	2.43	3.87	4.54	10.29	15.07	4.68	3.97
Total Debt/Equity (%)	- -	- -	8.77	10.04	9.24	11.32	6.32	4.9	23.78	34.43	26.47	92.99	149.53	128.69	80.91
Total Debt/Capital (%)	- -	- -	8.06	9.12	8.46	10.17	5.95	4.67	19.21	25.61	20.93	48.18	59.93	56.27	44.72
Total Debt/Total Assets (%)	- -	- -	1.11	1.24	0.88	1.23	0.68	0.66	2.43	3.87	4.54	10.29	15.18	13.86	9.77
CFO/Total Liabilities	2.56	2.82	14.74	-10.47	0.78	-5.99	-0.07	1.15	-16.8	-4.39	14.04	7.13	0.62	2.31	-3.62
CFO/CapEx	- -	- -	14.34	-17.41	0.9	-7.05	-0.05	1	-28.81	-13.38	19.64	67.4	4.48	7.71	-31.35
Altman's Z-Score	0.09	0.17	0.62	0.57	0.52	0.48	0.44	0.46	0.35	0.44	0.65	0.32	0.27	0.29	0.28

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	28.35	29.5	61.02	42.4	37.37	29.76	27.5	28.77	31.1	30.57	21.45	10.76	8.83	10.05	8
Days Sales Outstanding	12.88	12.37	5.98	8.61	9.77	12.26	13.27	12.69	11.74	11.94	17.01	33.91	41.32	36.32	45.65
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	4	5	17	32	33	37	47	47	42	60	110	84	74	85	100
- Cash & Cash Equivalents	27	14	13	9	60	42	100	91	114	200	97	86	25	30	27
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	3	3	5	5	3	3	3	3	3	6	9	9	11	12	13
+ Total Debt	- -	- -	1	1	2	2	2	2	9	22	23	82	141	136	112
Enterprise Value	-20	-6	8	28	-25	-3	-49	-39	-60	-113	45	89	201	201	198
Total Capital	8	9	15	16	19	23	28	35	46	84	109	170	236	241	250
Total Debt/Capital (%)	- -	- -	8.06	9.12	8.46	10.17	5.95	4.67	19.21	25.61	20.93	48.18	59.93	56.27	44.72
Total Debt / EV	- -	- -	0.15	0.05	-0.06	-0.88	-0.03	-0.04	-0.15	-0.19	0.51	0.92	0.7	0.68	0.57
EV/Sales	- -	- -	0.22	0.8	- -	- -	- -	- -	- -	- -	0.35	1.03	2.34	2.01	1.84
EV/EBITDA	- -	- -	1.78	14.61	- -	- -	- -	- -	- -	- -	23.46	46.84	117.67	113.38	143.01
EV/EBIT	- -	- -	2.22	28.64	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	0.57	- -	- -	- -	- -	- -	- -	- -	0.77	1.76	38.43	9.94	- -
EV/Free Cash Flow to Firm	- -	- -	0.53	- -	- -	- -	- -	- -	- -	- -	0.73	1.74	31.41	8.8	- -
Diluted Market Cap	4	5	- -	32	33	37	47	47	42	65	110	84	74	85	- -
Diluted Enterprise Value	-20	-6	-7	30	-23	-1	-48	-39	-60	-107	45	89	201	204	97
EV per Share	- -	- -	1.72	5.95	- -	- -	- -	- -	- -	- -	9.12	18.01	40.73	38.9	38.21
TTM Sales	7	10	37	35	42	49	51	53	66	132	128	86	86	100	107
TTM EBITDA	- -	1	5	2	6	1	1	2	2	2	2	2	2	2	1
TTM Operating Income	- -	1	4	1	5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	2	14	-11	1	-10	- -	2	-55	-22	58	50	5	20	-36
TTM Free Cash Flow to Firm	2	2	15	-10	3	-9	3	5	-53	-20	61	51	6	23	-35

Multiples (USD)

Valuation Multiples API ChatGPT

	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	2.16	2.12	- -	-3.07	12.13	-4.2	15.87	9.6	-0.8	-3.26	1.8	1.64	11.58	3.73	- -
EV/EBIT	- -	- -	2.22	28.64	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-20	-6	8	28	-25	-3	-49	-39	-60	-113	45	89	201	201	198
Low Price	0.8	0.8	2	3.55	5.57	6.21	6.4	8	7.7	5.75	12.5	16.05	13.25	12.94	14.26
EV/Sales	- -	- -	0.22	0.8	- -	- -	- -	- -	- -	- -	0.35	1.03	2.34	2.01	1.84
EV/EBITDA	- -	- -	1.78	14.61	- -	- -	- -	- -	- -	- -	23.46	46.84	117.67	113.38	143.01
Price/Earnings	- -	7.86	- -	42.47	10.53	9.65	9.21	21.07	12.68	2.33	4.34	23.02	14.01	8.15	- -
Price/Earnings Average	-10.25	6.71	- -	44.01	11.98	9.66	7.26	24.08	13.49	1.63	3.12	24.27	13.94	7.26	- -
Price/Earnings High	-17.74	8.5	- -	56.44	13.71	10.65	9.21	28.07	15.5	2.49	4.42	31.24	15.69	8.54	- -
Price/Earnings Low	-7.75	5.71	- -	22.34	9.05	8.32	6.48	18.73	12.11	1.07	2.4	21.81	12.37	6.39	- -
Price/Book Value	0.84	0.8	1.81	3.1	2.23	2.03	2.02	1.55	1.25	1.06	1.43	1.06	0.88	0.91	0.8
Price/Book Value Average	0.85	0.69	1.44	3.21	2.54	2.03	1.6	1.77	1.33	0.74	1.03	1.12	0.88	0.81	0.67
Price/Book Value High	1.47	0.87	2.01	4.12	2.9	2.24	2.02	2.07	1.53	1.13	1.46	1.44	0.99	0.96	0.8
Price/Book Value Low	0.64	0.58	1.01	1.63	1.92	1.75	1.42	1.38	1.19	0.48	0.79	1.01	0.78	0.71	0.59
Price/Tangible Book Value	1.22	1.07	11.51	18.39	6.89	5.71	3.62	2.73	2.1	1.55	2.75	1.86	1.73	1.85	1.24
Price/Tangible Book Value Average	1.23	0.92	9.14	19.06	7.83	5.71	2.86	3.12	2.23	1.08	1.98	1.96	1.73	1.65	1.04
Price/Tangible Book Value High	2.13	1.16	12.76	24.44	8.97	6.3	3.62	3.64	2.56	1.65	2.8	2.53	1.94	1.94	1.24
Price/Tangible Book Value Low	0.93	0.78	6.39	9.67	5.92	4.92	2.55	2.43	2	0.71	1.52	1.76	1.53	1.45	0.91
Price/Sales	0.61	0.49	- -	0.91	0.79	0.75	0.92	0.89	0.64	0.49	0.85	0.96	0.86	0.85	- -
Price/Sales Average	0.61	0.42	- -	0.94	0.89	0.75	0.73	1.01	0.68	0.34	0.61	1.02	0.86	0.76	- -
Price/Sales High	1.06	0.53	- -	1.21	1.02	0.83	0.92	1.18	0.78	0.52	0.87	1.31	0.97	0.89	- -
Price/Sales Low	0.46	0.36	- -	0.48	0.68	0.65	0.65	0.79	0.61	0.22	0.47	0.91	0.76	0.67	- -
Price/Cash Flow	2.16	2.12	- -	-2.89	25.68	-3.61	-312.04	19.03	-0.77	-2.97	1.87	1.65	14.17	4.21	- -
Price/Cash Flow Average	2.19	1.81	- -	-2.99	29.21	-3.61	-246.19	21.74	-0.82	-2.08	1.35	1.74	14.11	3.75	- -
Price/Cash Flow High	3.78	2.29	- -	-3.84	33.44	-3.98	-312.04	25.35	-0.94	-3.17	1.91	2.25	15.87	4.42	- -
Price/Cash Flow Low	1.65	1.54	- -	-1.52	22.07	-3.11	-219.46	16.91	-0.73	-1.36	1.04	1.57	12.52	3.31	- -
Price/Free Cash Flow Average	2.19	1.81	- -	-3.18	13.8	-4.2	12.52	10.97	-0.85	-2.28	1.3	1.73	11.53	3.32	- -
Price/Free Cash Flow High	3.78	2.29	- -	-4.07	15.8	-4.64	15.87	12.78	-0.98	-3.47	1.84	2.22	12.97	3.91	- -
Price/Free Cash Flow Low	1.65	1.54	- -	-1.61	10.43	-3.62	11.16	8.53	-0.76	-1.49	1	1.55	10.23	2.93	- -
EV/Sales Average	- -	- -	0.17	0.87	- -	- -	- -	- -	- -	- -	0.11	1.08	2.34	1.94	1.69
EV/Sales High	- -	- -	0.32	1.14	- -	0.07	- -	- -	- -	- -	0.37	1.37	2.44	2.07	1.84
EV/Sales Low	- -	- -	0.06	0.41	- -	- -	- -	- -	- -	- -	- -	0.98	2.24	1.85	1.59
EV/EBITDA Average	-60.66	-5.62	1.38	15.86	-3.03	-0.6	-57.67	-20.09	-28.52	-58.56	7.38	49.27	117.5	109.53	131.46
EV/EBITDA High	-50.89	-4.71	2.55	20.71	-2.11	3.19	-47.76	-14.58	-25.2	-48.7	24.77	62.6	122.89	117.12	143.01
EV/EBITDA Low	-63.92	-6.13	0.5	7.4	-4.57	-5.68	-61.69	-27.47	-30.79	-65.1	-2.25	44.55	112.64	104.41	123.78
EV/EBIT Average	70.65	-7.97	1.73	31.09	-3.63	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	59.27	-6.69	3.19	40.6	-2.54	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	74.45	-8.69	0.62	14.51	-5.49	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	1.04	1.1	3.6	6.75	6.48	7.2	9.1	9	8.06	12.56	22.55	16.94	15	16.5	19.4
High Price	1.82	1.19	3.99	8.97	8.44	7.95	9.1	11.99	9.85	13.4	23	22.99	16.8	17.3	19.4
Enterprise Value Average	-20	-7	6	31	-18	-1	-58	-32	-57	-130	14	93	201	194	182
Enterprise Value High	-17	-6	12	40	-13	3	-48	-23	-50	-108	47	119	210	208	198
Enterprise Value Low	-21	-7	2	14	-27	-6	-62	-44	-62	-145	-4	84	192	185	171

Shares Outstanding	4	4	5	5	5	5	5	5	5	5	5	5	5	5	5
Diluted Weighted Avg Shares	4	4	- -	5	5	5	5	5	5	5	5	5	5	5	- -
Basic Weighted Avg Shares	4	4	- -	5	5	5	5	5	5	5	5	5	5	5	- -
Revenue per Share	1.71	2.25	- -	7.42	8.25	9.62	9.88	10.16	12.6	25.73	26.52	17.57	17.39	19.4	- -
EBITDA per Share	0.08	0.28	- -	0.41	1.17	0.2	0.19	0.31	0.38	0.43	0.39	0.39	0.35	0.34	- -
Operating Income per Share	-0.07	0.2	- -	0.21	0.97	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.1	0.14	- -	0.16	0.62	0.75	0.99	0.43	0.64	5.39	5.2	0.74	1.07	2.02	- -
Basic EPS from Cont Ops	-0.1	0.15	- -	0.13	0.64	0.79	1.04	0.47	0.73	5.97	5.82	0.86	1.38	2.29	- -
Diluted EPS, GAAP	-0.1	0.14	- -	0.16	0.62	0.75	0.98	0.42	0.63	5.31	5.13	0.73	1.07	2.02	- -
Diluted EPS from Cont Ops	-0.1	0.15	- -	0.13	0.64	0.79	1.04	0.46	0.73	5.89	5.74	0.85	1.38	2.29	- -
Dividend per Share	- -	- -	- -	0.04	0.01	0.11	- -	- -	0.04	0.03	0.6	0.45	0.08	0.2	- -
Cash Flow per Share	0.48	0.52	- -	-2.34	0.25	-2	-0.03	0.47	-10.49	-4.23	12.07	10.24	1.06	3.91	- -
Free Cash Flow per Basic Share	0.48	0.52	- -	-2.47	-0.03	-2.28	-0.63	- -	-10.86	-4.54	11.46	10.09	0.82	3.41	- -
Cash & Equivalents per Share	6.45	3.16	3.13	2.08	12.19	8.72	19.37	17.51	21.93	42	19.88	17.39	5.1	6.19	5.32
Book Value per Share	1.24	1.37	1.99	2.18	2.91	3.54	4.49	5.8	6.45	11.88	15.75	15.96	17.03	18.1	24.24
Tangible Book Value per Share	0.85	1.03	0.31	0.37	0.94	1.26	2.51	3.3	3.84	8.12	8.21	9.1	8.65	8.9	15.68

University Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)