Financial Snapshot

Revenue
Gross Margin
Net Earnings
$3.203M
TTM
Current Assets
Current Liabilities
$5.000M
Q4 2013
Current Ratio
Total Assets
$111.2M
Q4 2013
Total Liabilities
$101.8M
Q4 2013
Book Value
$9.400M
Q4 2013
Cash
P/E
27.31
Nov 27, 2024 EST
Free Cash Flow
$3.540M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988
Revenue
YoY Change

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988
Revenue
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.000M $990.0K $950.0K $930.0K $690.0K $500.0K $470.0K $440.0K $380.0K $360.0K $620.0K $480.0K $1.030M $1.280M $830.0K $710.0K $660.0K $570.0K $850.0K $660.0K $560.0K $210.0K $300.0K $230.0K $260.0K $230.0K $0.00 $0.00 $0.00
YoY Change 1.01% 4.21% 2.15% 34.78% 38.0% 6.38% 6.82% 15.79% 5.56% -41.94% 29.17% -53.4% -19.53% 54.22% 16.9% 7.58% 15.79% -32.94% 28.79% 17.86% 166.67% -30.0% 30.43% -11.54% 13.04%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988
Pretax Income $6.130M $4.960M $990.0K $3.680M $4.680M -$1.110M $310.0K $2.430M -$870.0K $850.0K -$280.0K $1.950M -$500.0K $10.00K $210.0K -$310.0K -$910.0K -$690.0K -$1.000M -$1.670M -$900.0K -$400.0K $2.610M $160.0K $390.0K -$230.0K $120.0K $120.0K $60.00K
YoY Change 23.59% 401.01% -73.1% -21.37% -521.62% -458.06% -87.24% -379.31% -202.35% -403.57% -114.36% -490.0% -5100.0% -95.24% -167.74% -65.93% 31.88% -31.0% -40.12% 85.56% 125.0% -115.33% 1531.25% -58.97% -269.57% -291.67% 0.0% 100.0%
Income Tax $2.120M $1.710M $360.0K $1.250M $1.960M -$180.0K $140.0K -$190.0K -$640.0K -$70.00K -$20.00K -$100.0K $80.00K -$80.00K $0.00 $0.00 $0.00 $30.00K -$200.0K -$290.0K -$360.0K -$110.0K $770.0K $20.00K $90.00K -$50.00K $10.00K $10.00K $0.00
% Of Pretax Income 34.58% 34.48% 36.36% 33.97% 41.88% 45.16% -7.82% -8.24% -5.13% -800.0% 0.0% 29.5% 12.5% 23.08% 8.33% 8.33% 0.0%
Net Earnings $3.810M $3.140M $760.0K $1.830M $1.920M -$300.0K -$240.0K $690.0K -$10.00K $600.0K -$430.0K $1.980M -$580.0K $90.00K $210.0K -$360.0K -$920.0K -$920.0K -$200.0K -$1.120M -$540.0K -$290.0K $1.840M $140.0K $310.0K -$180.0K $110.0K $110.0K $60.00K
YoY Change 21.34% 313.16% -58.47% -4.69% -740.0% 25.0% -134.78% -7000.0% -101.67% -239.53% -121.72% -441.38% -744.44% -57.14% -158.33% -60.87% 0.0% 360.0% -82.14% 107.41% 86.21% -115.76% 1214.29% -54.84% -272.22% -263.64% 0.0% 83.33%
Net Earnings / Revenue
Basic Earnings Per Share
Diluted Earnings Per Share $0.75 $0.62 $0.16 $0.38 $0.40 -$0.06 -$0.05 $0.16 $0.00 $0.14 -$0.10 $0.47 -$0.14 $0.02 $0.05 -$0.16 -$0.45 -$0.46 -$0.10 -$0.56 -$0.29 -$0.16 $1.03 $0.08 $0.18 -$0.10 $0.07 $0.08 $0.11

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $5.400M $4.900M $4.300M $4.600M $4.400M $3.700M $3.000M $2.800M $2.800M $2.600M $2.700M $2.800M $900.0K $800.0K $1.700M $1.800M $1.400M $1.400M $1.400M $2.000M $2.000M $1.400M $400.0K $900.0K $700.0K $600.0K $400.0K $400.0K $100.0K
YoY Change 10.2% 13.95% -6.52% 4.55% 18.92% 23.33% 7.14% 0.0% 7.69% -3.7% -3.57% 211.11% 12.5% -52.94% -5.56% 28.57% 0.0% 0.0% -30.0% 0.0% 42.86% 250.0% -55.56% 28.57% 16.67% 50.0% 0.0% 300.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $0.00 $900.0K $1.000M $1.100M $1.800M $1.600M $1.500M $700.0K $800.0K $800.0K
YoY Change -100.0% -10.0% -9.09% -38.89% 12.5% 6.67% 114.29% -12.5% 0.0%
Other Assets $1.400M $2.100M $2.400M $2.100M $2.300M $3.200M $1.900M $1.900M $1.600M $300.0K $400.0K $300.0K $300.0K $200.0K $200.0K $200.0K $200.0K $100.0K
YoY Change -33.33% -12.5% 14.29% -8.7% -28.13% 68.42% 0.0% 18.75% 433.33% -25.0% 33.33% 0.0% 50.0% 0.0% 0.0% 0.0% 100.0%
Total Long-Term Assets
YoY Change
Total Assets $190.9M $182.5M $121.0M $111.2M $132.2M $121.7M $117.3M $134.4M $129.9M $88.20M $87.30M $64.50M $50.80M $43.50M $46.20M $45.60M $47.70M $40.80M $54.50M $57.50M $78.40M $38.30M $31.80M $64.40M $50.00M $48.10M $44.00M $40.90M $38.00M
YoY Change
Accounts Payable $5.700M $4.600M $3.800M $5.000M $3.700M $2.000M $6.400M $600.0K $4.300M $400.0K $100.0K $500.0K $200.0K $300.0K $300.0K $500.0K $1.900M $500.0K $1.200M $300.0K
YoY Change 23.91% 21.05% -24.0% 35.14% 85.0% -68.75% 966.67% -86.05% 975.0% 300.0% -80.0% 150.0% -33.33% 0.0% -40.0% -73.68% 280.0% -58.33% 300.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $2.400M $0.00 $2.400M $0.00 $0.00 $100.0K $4.100M $3.100M $300.0K $2.700M $12.00M $1.000M $1.000M $2.800M $2.300M $2.100M $2.200M $2.300M $2.300M
YoY Change -100.0% -100.0% -97.56% 32.26% 933.33% -88.89% -77.5% 1100.0% 0.0% -64.29% 21.74% 9.52% -4.55% -4.35% 0.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $8.600M $4.600M $3.800M $5.000M $3.700M $2.000M $6.400M $600.0K $4.300M $400.0K $100.0K $500.0K $2.600M $300.0K $300.0K $600.0K $6.000M $3.600M $1.500M $3.000M $12.00M $1.000M $1.000M $2.800M $2.300M $2.100M $2.200M $2.300M $2.300M
YoY Change 86.96% 21.05% -24.0% 35.14% 85.0% -68.75% 966.67% -86.05% 975.0% 300.0% -80.0% -80.77% 766.67% 0.0% -50.0% -90.0% 66.67% 140.0% -50.0% -75.0% 1100.0% 0.0% -64.29% 21.74% 9.52% -4.55% -4.35% 0.0%
Long-Term Debt $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $200.0K $300.0K $1.700M $900.0K $2.600M $1.200M $1.700M $1.000M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -100.0% -33.33% -82.35% 88.89% -65.38% 116.67% -29.41% 70.0%
Other Long-Term Liabilities $2.000M $3.500M $3.700M $3.100M $6.300M $4.600M $900.0K $4.800M $1.200M $300.0K $400.0K $200.0K $100.0K $400.0K $200.0K $100.0K $200.0K $100.0K $5.300M $3.800M $5.300M $600.0K $2.600M $200.0K $300.0K $300.0K $300.0K $400.0K $200.0K
YoY Change -42.86% -5.41% 19.35% -50.79% 36.96% 411.11% -81.25% 300.0% 300.0% -25.0% 100.0% 100.0% -75.0% 100.0% 100.0% -50.0% 100.0% -98.11% 39.47% -28.3% 783.33% -76.92% 1200.0% -33.33% 0.0% 0.0% -25.0% 100.0%
Total Long-Term Liabilities $2.000M $3.500M $3.700M $3.100M $6.300M $4.600M $900.0K $4.800M $1.200M $300.0K $400.0K $200.0K $100.0K $600.0K $500.0K $1.800M $1.100M $2.700M $6.500M $5.500M $6.300M $600.0K $2.600M $200.0K $300.0K $300.0K $300.0K $400.0K $200.0K
YoY Change -42.86% -5.41% 19.35% -50.79% 36.96% 411.11% -81.25% 300.0% 300.0% -25.0% 100.0% 100.0% -83.33% 20.0% -72.22% 63.64% -59.26% -58.46% 18.18% -12.7% 950.0% -76.92% 1200.0% -33.33% 0.0% 0.0% -25.0% 100.0%
Total Liabilities $172.9M $167.6M $110.6M $101.8M $124.6M $115.8M $111.3M $128.2M $124.3M $82.30M $82.00M $59.20M $47.80M $40.10M $43.10M $42.90M $45.60M $38.90M $51.50M $54.10M $74.40M $33.60M $27.70M $61.80M $47.70M $45.80M $41.40M $38.80M $36.40M
YoY Change 3.16% 51.54% 8.64% -18.3% 7.6% 4.04% -13.18% 3.14% 51.03% 0.37% 38.51% 23.85% 19.2% -6.96% 0.47% -5.92% 17.22% -24.47% -4.81% -27.28% 121.43% 21.3% -55.18% 29.56% 4.15% 10.63% 6.7% 6.59%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988
Basic Shares Outstanding
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $87.479 Million

About UNIVERSITY BANCORP INC /DE/

University Bancorp, Inc. is a bank holding company, which engages in the provision of banking services through its subsidiary. The company is headquartered in Ann Arbor, Michigan. The firm conducts its operations through its subsidiary, University Bank (the Bank), which is a full-service community bank. The Bank offers all customary banking services, including the acceptance of checking, savings and time deposits. The Bank also makes commercial, real estate, personal, home improvement, automotive and other installment, credit card and consumer loans, and provides fee-based services, such as foreign currency exchange. The Bank also services and subservice loans. The Bank’s customer base is primarily located in the Ann Arbor, Michigan metropolitan statistical area. The company also owns and manages mortgage related assets, both whole loans and mortgage servicing rights (MSRs). The Bank's personal banking services include personal checking accounts, personal savings accounts, and consumer lending. The company also provides insurance to its customers through its wholly owned subsidiary, Ann Arbor Insurance Centre.

Industry: State Commercial Banks Peers: TRUIST FINANCIAL CORP Cullman Bancorp, Inc. /MD/ Magyar Bancorp, Inc. Oconee Federal Financial Corp. Pathfinder Bancorp, Inc.