University Bancorp, Inc.
Other OTCTotal Valuation
University Bancorp, Inc. carries a market capitalization of 112.60M, placing it among publicly traded companies globally. Its enterprise value stands at 4.00M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 112.60M |
| Enterprise Value | 4.00M |
Share Statistics
University Bancorp, Inc. currently has 4.28M shares outstanding.
| Shares Outstanding | 4.28M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
University Bancorp, Inc. trades at a trailing price-to-earnings ratio of 69.44. The price-to-sales ratio is 0.33, and the price-to-book ratio stands at 27.40.
| PE Ratio | 69.44 |
| PS Ratio | 0.33 |
| PB Ratio | 27.40 |
| P/TBV Ratio | 0.53 |
| P/FCF Ratio | -0.30 |
| P/OCF Ratio | -0.30 |
Enterprise Valuation
| EV / Sales | 0.36 |
| EV / EBITDA | 20.03 |
| EV / EBIT | N/A |
| EV / FCF | N/A |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 40.26 |
| Debt / EBITDA | 17.60 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 49.18 |
| Return on Assets (ROA) | 0.10 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
| Income Tax | -130,578.00 |
| Effective Tax Rate | N/A |
Stock Price Statistics
University Bancorp, Inc.'s stock has gained approximately 35.39712% over the past 52 weeks. The 50-day moving average sits at 21.86, while the 200-day moving average is 19.53.
| Beta (5Y) | N/A |
| 52-Week Price Change | 35.39712% |
| 50-Day Moving Average | 21.86 |
| 200-Day Moving Average | 19.53 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, University Bancorp, Inc. generated 10.97M in revenue and converted that into 98,763.00 in net income, yielding earnings per share of 0.02. EBITDA reached 199,790.00, while operating income came in at -163,376.00.
| Revenue | 10.97M |
| Gross Profit | N/A |
| Operating Income | -163,376.00 |
| Pretax Income | -153,053.00 |
| Net Income | 98,763.00 |
| EBITDA | 199,790.00 |
| EBIT | -163,376.00 |
| Earnings Per Share (EPS) | 0.02 |
Balance Sheet
University Bancorp, Inc. holds 6.11M in cash and equivalents against 3.52M in total debt, resulting in a net debt position of -2.59M.
| Cash & Cash Equivalents | 6.11M |
| Total Debt | 3.52M |
| Net Debt | -2.59M |
| Equity (Book Value) | 131,155.00 |
| Book Value Per Share | 0.03 |
| Working Capital | N/A |
Cash Flow
University Bancorp, Inc. produced -12.15M in operating cash flow over the past twelve months.
| Operating Cash Flow | -12.15M |
| Capital Expenditures | N/A |
| Free Cash Flow | -12.15M |
| FCF Per Share | -2.86 |
Margins
University Bancorp, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics. The operating margin of -1.49 and net profit margin of 0.90 provide insight into operational efficiency.
| Gross Margin | 100.00 |
| Operating Margin | -1.49 |
| Pretax Margin | -1.40 |
| Profit Margin | 0.90 |
| EBITDA Margin | 1.82 |
Dividends & Yields
The company's payout ratio of 44.47 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.00 |
| Dividend Yield | N/A |
| Payout Ratio | 44.47 |
| Shareholder Yield | -676.66 |
| FCF Yield | -335.28 |
Stock Splits
University Bancorp, Inc.'s most recent stock split took place on February 25, 1998 with a 2:3 split ratio.
| Last Split Date | 2/25/1998 |
| Split Ratio | 2:3 |
Scores
University Bancorp, Inc. posts an Altman Z-Score of 0.12, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.12 |