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 (%)	- -	- -	- -	20.22	55.23	42.84	39.18	13.26	16.94	79.9	42.52	5.14	7.17	12.96	9.91
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 (%)	- -	- -	- -	12.71	54.8	37.28	39.18	13.3	17.28	80.27	38.82	2.78	6.93	11.94	8.19

Credit (USD)

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	-1.04	-0.34	3.02	3.4	3.98	5.51	6.36	7.23	5.85	8.64	13.93	8.95	8.19	8.7	8.08
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 (%)	- -	- -	13.34	14.72	14.09	15.1	8.22	7.21	26.34	28.46	22.44	50.45	61.49	19.67	20.89
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 (%)	- -	- -	13.34	14.72	14.09	15.1	8.22	7.21	26.34	28.46	22.44	50.45	61.93	58.29	51.47
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 (%)	106.75	123.32	308.36	-456.41	120.18	149.26	123.33	130.96	136.84	147.36	-1,804.88	-9.14	55.18	50.38	42.75
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)

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	-1.04	-0.34	3.02	3.4	3.98	5.51	6.36	7.23	5.85	8.64	13.93	8.95	8.19	8.7	8.08
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 (%)	- -	- -	13.34	14.72	14.09	15.1	8.22	7.21	26.34	28.46	22.44	50.45	61.49	19.67	20.89
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 (%)	- -	- -	13.34	14.72	14.09	15.1	8.22	7.21	26.34	28.46	22.44	50.45	61.93	58.29	51.47
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	0.52	0.57	0.52	0.48	0.44	0.46	0.35	0.45	0.64	0.32	0.27	0.29	0.22

Working Capital (USD)

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)

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	- -	32	33	37	47	47	42	65	109	83	74	85	- -
- 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	-9	28	-25	-3	-49	-39	-60	-108	43	89	201	201	97
Total Capital	2	3	9	10	11	16	20	23	33	76	101	162	228	233	217
Total Debt/Capital (%)	- -	- -	13.34	14.72	14.09	15.1	8.22	7.21	26.34	28.46	22.44	50.45	61.93	58.29	51.47
Total Debt / EV	- -	- -	-0.14	0.05	-0.06	-0.88	-0.03	-0.04	-0.15	-0.2	0.53	0.92	0.7	0.68	1.15
EV/Sales	- -	- -	- -	0.8	- -	- -	- -	- -	- -	- -	0.34	1.03	2.34	2.01	0.9
EV/EBITDA	- -	- -	- -	14.61	- -	- -	- -	- -	- -	- -	22.64	46.75	117.72	113.38	70.41
EV/EBIT	- -	- -	- -	28.64	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.74	1.76	38.45	9.94	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.7	1.73	31.43	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	- -	- -	- -	5.95	- -	- -	- -	- -	- -	- -	8.93	18.01	40.7	38.9	- -
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)

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	- -	- -	- -	28.64	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-20	-6	-9	28	-25	-3	-49	-39	-60	-108	43	89	201	201	97
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	- -	- -	- -	0.8	- -	- -	- -	- -	- -	- -	0.34	1.03	2.34	2.01	0.9
EV/EBITDA	- -	- -	- -	14.61	- -	- -	- -	- -	- -	- -	22.64	46.75	117.72	113.38	70.41
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	-4.85	-15.68	- -	7.8	4.56	3.49	3.02	2.62	1.98	1.34	1.56	1.17	0.97	1	- -
Price/Book Value Average	-4.9	-13.4	- -	8.08	5.18	3.5	2.38	2.99	2.11	0.94	1.12	1.24	0.97	0.89	- -
Price/Book Value High	-8.48	-16.96	- -	10.36	5.93	3.86	3.02	3.49	2.42	1.43	1.59	1.59	1.09	1.05	- -
Price/Book Value Low	-3.7	-11.4	- -	4.1	3.92	3.01	2.12	2.33	1.89	0.61	0.86	1.11	0.86	0.78	- -
Price/Tangible Book Value	0.7	0.64	- -	5.09	4.52	4.02	2.94	2.3	1.79	1.44	2.22	1.54	1.39	1.47	- -
Price/Tangible Book Value Average	0.71	0.55	- -	5.27	5.15	4.02	2.32	2.63	1.91	1.01	1.6	1.62	1.38	1.31	- -
Price/Tangible Book Value High	1.23	0.69	- -	6.76	5.89	4.43	2.94	3.07	2.19	1.54	2.27	2.09	1.56	1.54	- -
Price/Tangible Book Value Low	0.54	0.47	- -	2.67	3.89	3.46	2.07	2.05	1.71	0.66	1.23	1.46	1.23	1.15	- -
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	- -	- -	- -	0.87	- -	- -	- -	- -	- -	- -	0.1	1.08	2.34	1.94	0.9
EV/Sales High	- -	- -	- -	1.14	- -	0.07	- -	- -	- -	- -	0.36	1.37	2.44	2.07	0.9
EV/Sales Low	- -	- -	- -	0.41	- -	- -	- -	- -	- -	- -	- -	0.98	2.24	1.85	0.9
EV/EBITDA Average	-60.74	-5.66	-1.57	15.86	-3.03	-0.6	-57.78	-20.09	-28.53	-57.08	6.79	49.17	117.55	109.53	70.41
EV/EBITDA High	-51.03	-4.76	-1.57	20.71	-2.11	3.19	-47.9	-14.58	-25.2	-46.44	23.94	62.48	122.95	117.12	70.41
EV/EBITDA Low	-63.98	-6.16	-1.57	7.4	-4.57	-5.68	-61.79	-27.47	-30.79	-64.13	-2.7	44.47	112.69	104.41	70.41
EV/EBIT Average	70.74	-8.03	-1.96	31.09	-3.63	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	59.44	-6.76	-1.96	40.6	-2.54	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	74.52	-8.74	-1.96	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	-7	31	-18	-1	-58	-32	-57	-127	13	93	201	194	97
Enterprise Value High	-17	-6	-7	40	-13	3	-48	-23	-50	-103	45	118	210	208	97
Enterprise Value Low	-21	-7	-7	14	-27	-6	-62	-44	-62	-143	-5	84	192	185	97

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	6.48	3.19	- -	2.08	12.19	8.72	19.43	17.51	21.94	38.93	20.16	17.43	5.1	6.19	- -
Book Value per Share	-0.21	-0.07	- -	0.87	1.42	2.06	3.02	3.44	4.07	9.37	14.46	14.44	15.46	16.49	- -
Tangible Book Value per Share	1.48	1.71	- -	1.33	1.43	1.79	3.09	3.91	4.49	8.71	10.15	10.99	10.79	11.21	- -

University Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)