University Bancorp Net Income
| UNIB Stock | USD 22.09 0.00 0.00% |
As of the 3rd of March, University Bancorp has the Risk Adjusted Performance of 0.1584, semi deviation of 0.5642, and Coefficient Of Variation of 502.49. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of University Bancorp, as well as the relationship between them. In other words, you can use this information to find out if the company will indeed mirror its model of past prices and volume data, or the prices will eventually revert. We were able to collect and analyze data for nineteen technical drivers for University Bancorp, which can be compared to its competition.
University Bancorp's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing University Bancorp's valuation are provided below:University Bancorp does not presently have any fundamental trend indicators for analysis. This module does not cover all equities due to inconsistencies in global equity categorizations. Continue to Equity Screeners to view more equity screening tools. University |
University Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to University Bancorp's otc stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of University Bancorp.
| 12/03/2025 |
| 03/03/2026 |
If you would invest 0.00 in University Bancorp on December 3, 2025 and sell it all today you would earn a total of 0.00 from holding University Bancorp or generate 0.0% return on investment in University Bancorp over 90 days. University Bancorp is related to or competes with Westbury Bancorp, Boyle Bancorp, Katahdin Bankshares, BEO Bancorp, Cnb Community, Pinnacle Bankshares, and 1st Colonial. University Bancorp, Inc. operates as the bank holding company for University Bank that provides various personal, busine... More
University Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure University Bancorp's otc stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess University Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.89 | |||
| Information Ratio | 0.1592 | |||
| Maximum Drawdown | 15.73 | |||
| Value At Risk | (1.71) | |||
| Potential Upside | 3.35 |
University Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for University Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as University Bancorp's standard deviation. In reality, there are many statistical measures that can use University Bancorp historical prices to predict the future University Bancorp's volatility.| Risk Adjusted Performance | 0.1584 | |||
| Jensen Alpha | 0.354 | |||
| Total Risk Alpha | 0.2059 | |||
| Sortino Ratio | 0.1713 | |||
| Treynor Ratio | 0.6897 |
University Bancorp March 3, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1584 | |||
| Market Risk Adjusted Performance | 0.6997 | |||
| Mean Deviation | 1.06 | |||
| Semi Deviation | 0.5642 | |||
| Downside Deviation | 1.89 | |||
| Coefficient Of Variation | 502.49 | |||
| Standard Deviation | 2.03 | |||
| Variance | 4.13 | |||
| Information Ratio | 0.1592 | |||
| Jensen Alpha | 0.354 | |||
| Total Risk Alpha | 0.2059 | |||
| Sortino Ratio | 0.1713 | |||
| Treynor Ratio | 0.6897 | |||
| Maximum Drawdown | 15.73 | |||
| Value At Risk | (1.71) | |||
| Potential Upside | 3.35 | |||
| Downside Variance | 3.57 | |||
| Semi Variance | 0.3183 | |||
| Expected Short fall | (2.33) | |||
| Skewness | 3.48 | |||
| Kurtosis | 19.11 |
University Bancorp Backtested Returns
University Bancorp appears to be very steady, given 3 months investment horizon. University Bancorp owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.18, which indicates the firm had a 0.18 % return per unit of risk over the last 3 months. We have found twenty-five technical indicators for University Bancorp, which you can use to evaluate the volatility of the company. Please review University Bancorp's Risk Adjusted Performance of 0.1584, semi deviation of 0.5642, and Coefficient Of Variation of 502.49 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, University Bancorp holds a performance score of 14. The entity has a beta of 0.57, which indicates possible diversification benefits within a given portfolio. As returns on the market increase, University Bancorp's returns are expected to increase less than the market. However, during the bear market, the loss of holding University Bancorp is expected to be smaller as well. Please check University Bancorp's total risk alpha, downside variance, day median price, as well as the relationship between the maximum drawdown and skewness , to make a quick decision on whether University Bancorp's existing price patterns will revert.
Auto-correlation | -0.7 |
Very good reverse predictability
University Bancorp has very good reverse predictability. Overlapping area represents the amount of predictability between University Bancorp time series from 3rd of December 2025 to 17th of January 2026 and 17th of January 2026 to 3rd of March 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of University Bancorp price movement. The serial correlation of -0.7 indicates that around 70.0% of current University Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.7 | |
| Spearman Rank Test | -0.56 | |
| Residual Average | 0.0 | |
| Price Variance | 0.56 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Based on the recorded statements, University Bancorp reported net income of 25.32 M. This is 98.02% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 95.57% higher than that of the company.
University Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses University Bancorp's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the otc stocks which would be a good addition to a portfolio. Peer analysis of University Bancorp could also be used in its relative valuation, which is a method of valuing University Bancorp by comparing valuation metrics of similar companies.University Bancorp is currently under evaluation in net income category among its peers.
University Fundamentals
| Return On Equity | 0.38 | |||
| Return On Asset | 0.053 | |||
| Profit Margin | 0.19 % | |||
| Operating Margin | 0.27 % | |||
| Current Valuation | 92.39 M | |||
| Shares Outstanding | 4.89 M | |||
| Number Of Shares Shorted | 68 | |||
| Price To Earning | 26.90 X | |||
| Price To Book | 1.07 X | |||
| Price To Sales | 0.61 X | |||
| Revenue | 127.83 M | |||
| Gross Profit | 133.56 M | |||
| Net Income | 25.32 M | |||
| Cash And Equivalents | 4.04 M | |||
| Cash Per Share | 0.84 X | |||
| Total Debt | 22.62 M | |||
| Book Value Per Share | 15.97 X | |||
| Cash Flow From Operations | 58.8 M | |||
| Short Ratio | 0.04 X | |||
| Earnings Per Share | 4.84 X | |||
| Number Of Employees | 18 | |||
| Beta | 0.43 | |||
| Market Capitalization | 80.68 M | |||
| Total Asset | 500.38 M | |||
| Retained Earnings | (693 K) | |||
| Z Score | 1.8 | |||
| Annual Yield | 0.05 % | |||
| Net Asset | 500.38 M | |||
| Last Dividend Paid | 0.38 |
About University Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze University Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of University Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of University Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this otc stock, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.Other Information on Investing in University OTC Stock
University Bancorp financial ratios help investors to determine whether University OTC Stock is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in University with respect to the benefits of owning University Bancorp security.