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OTC MARKETS · Banking · CIK 0000811211
$21.19
0.00% · live
Updated
$109.5M market value
From UNIVERSITY BANCORP INC /DE/'s FY2025 annual-report
UNIVERSITY BANCORP /DE/ takes deposits and lends money. It took in $107.5M last year, which makes it a smaller company. Of every dollar it sells, about 8 cents is left as profit.
The financial picture is mixed, with profitability, growth and debt needing attention.
A conclusion from the filings, not a recommendation. Detailed figures and supporting evidence appear in their dedicated sections below.
Financial health
A mixed picture — some clear strengths and some weaknesses.
From UNIVERSITY BANCORP INC /DE/'s FY2025 annual filing · share price scored separately
Largest year-over-year changes in FY2025
Free cash flow
$17.6M → -$37.6M
Capital spending
$2.6M → $1.2M
Revenue
$100.3M → $107.5M
Profit
$10.5M → $9.0M
Measured against FY2024, from the annual-report
Deteriorated: turned negative
$17.6M to -$37.6MCritical
Why it matters: Cash left after paying for the plant that produced it — the money genuinely available for dividends, buybacks or paying down debt. Harder to flatter than profit.
How the latest move compares (quote live), and what was published around it
UNIB was unchanged on the latest quote. The average Financials company tracked here moved −1.33%, and the S&P 500 −0.47%. That is 1.3 points above its sector and in line with the market.
These coincide with the move in time. None is presented as its cause: a price can move on news that names no company, on the wider market, or on trading that no document records.
Expectations
Not from the filings — what other people are betting on, and what the price already assumes.
Measured on and published about a week later — this is a fortnightly snapshot, not a live position.
About 0.0% of this company's shares have been borrowed and sold by people expecting to buy them back cheaper. That is a bet the price falls. Those people can be wrong, and when a heavily shorted share rises they have to buy it back, which pushes it up further.
The essentials
Each answered from the filings, with the numbers behind it.
Yes. It keeps about 8 cents of every dollar of sales as profit, earning $9.0M last year. Note that operations still consumed cash despite the reported profit.
Slowly. Sales grew 7.2% last year.
For every $1 it owes, it owns $1.14 in assets. Banks and insurers always carry high debt — that is how lending works — so this is normal for the industry and not comparable with other sectors.
Core operating and valuation reference metrics
Income
This company pays no dividend. It keeps its profits and reinvests them in the business instead, so any return would have to come from the share price.
Figures from the FY2025 annual filing
Last year it earned $9.0M and generated -$36.5M of cash from operations.
As reported to the SEC, in USD. Hover or show sources to see where each figure came from.
| Income statement | FY2025annual-report | FY2024annual-report | FY2023annual-report | FY2022annual-report | ChangeFY2025 vs FY2024 |
|---|---|---|---|---|---|
| RevenueWhat is this? | $107.5M | $100.3M | $85.8M | $86.4M | +7.2% |
| Selling, general and administrative | $70.8M | $62.5M | $56.7M | $61.6M | +13.2% |
| Interest expense | $24.7M | $21.1M | $16.5M | $1.8M | +16.8% |
| Income before tax | $12.3M | $14.6M | $9.1M | $5.3M | −15.7% |
| Net income | $9.0M | $10.5M | $5.4M | $3.8M | −13.8% |
| Net marginNet income ÷ revenueWhat is this? | 8.4% | 10.4% | 6.3% | 4.4% | −2.0 pts |
| Earnings per shareNet income ÷ shares outstanding at the period end — close to, but not the same as, the reported EPSWhat is this? | $1.75 | $2.02 | $1.10 | $0.7687 | −13.8% |
† calculated from other reported figures, such as total liabilities as assets minus equity.
Insider activity, ownership stakes and what's coming — straight from EDGAR, before any article is written about it
Nothing recent
No insider trades, pending-sale notices or 5% stake filings from UNIB in the last few months. That is the ordinary case, not a gap.
Not investment advice, and not a signal to act on by itself — a filing says what happened, not why, and insiders trade for ordinary reasons having nothing to do with where they think the company is headed.
20 recent filings, newest first. Each is labelled from its form and item numbers, not from its wording.
Received a delisting or listing-standard notice
Read the filingQuarterly report on Form 10-Q
Read the filingWrite down why you are following UNIVERSITY BANCORP INC /DE/, what has to go right and what would change your mind, then see each new annual report measured against it. Sign in to start one.
Go deeper
Every figure above traces back to a filing in the timeline, each linked to the document itself.
Coverage from the last 30 days
Primary sources and further research
Every company's figures are checked for internal consistency: the balance sheet adding up, figures sharing one currency, cash flow and share counts within plausible ranges, and how recent the latest annual report is. Nothing here changes a figure.
Financial figures are from UNIB's annual-report for fiscal year 2025 (period ending 2025-12-31), reported under the US GAAP taxonomy.
3 of 4 scored areas had enough reported figures to judge
The score averages profitability, growth, debt and accounting. Accounting had too few reported figures and is left out of the average rather than counted as a weakness, so a company is never marked down for a figure it did not publish. Cash generation is shown for context and already feeds profitability. Valuation is scored separately, because a share price says nothing about whether the business is sound. 7 of the 9 Piotroski checks could be evaluated. How the score works
Every check behind the three models, and what each one tests
3 of 7 checks passed
Nine yes-or-no tests of whether this year's finances improved on last year's. 2 could not be evaluated and are excluded from the total rather than counted as failures.
not reported — Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Distance from bankruptcy, from a model fitted on companies that did and did not go bust. It describes a balance sheet's shape today; it does not forecast a failure.
not reported — Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Screens eight accounting ratios for the pattern earnings manipulators tend to leave. A flag is a reason to read the filing closely, never evidence of wrongdoing.
Changed: -55.7%
$2.6M to $1.2MCritical
Why it matters: Neither good nor bad on its own. Heavy spending is a company building capacity or a company struggling to stand still, and the two look identical in this figure.
Improved: +7.2%
$100.3M to $107.5MNotable
Why it matters: Sales are what everything else is built on. A fall can be lost customers, lower prices, or a business the company sold — the filing itself says which.
Deteriorated: -13.8%
$10.5M to $9.0MNotable
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Deteriorated: −2.1 pts
10.4% to 8.4%Notable
Why it matters: What survives to the very end of each sale. Worth reading beside revenue: growing sales on a shrinking margin means the company is buying its growth.
Deteriorated: -13.8%
$2.02 to $1.75Notable
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Deteriorated: -6.9%
$29.5M to $27.5MNotable
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
2 other measures barely moved. Figures compare the two most recent annual filings. Moves are graded on fixed lines — 5%, 15% and 40% for amounts, and 1, 3 and 8 points for margins — as notable, significant or critical. Nothing here reads the management commentary, which is where a company explains its own numbers.
Filter by minute, hour, day or week — or compare against peers
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Collected by FINRA from broker-dealers twice a month. It counts positions, not intentions, and some of it is hedging rather than a directional bet against the company.
Nothing in this section is a figure this company reported about itself. These are expectations and positions — what the price implies, what analysts have published, what short sellers are betting, and what large funds held at the last count. WylthIQ reports them; it does not endorse them, does not forecast prices, and takes no view on whether any of them will turn out to be right.
The trailing P/E is 12.1x — investors pay $12.1 for each $1 of trailing profit.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Reported annual figures
Quarterly report on Form 10-Q
Quarterly report on Form 10-Q
Read the filingProxy statement for a shareholder meeting
Read the filingHad a director or senior officer leave or join
Read the filingProxy statement for a shareholder meeting
Read the filingProxy statement for a shareholder meeting
Read the filingAnnual report on Form 10-K
Read the filingSigned a material agreement
Read the filingQuarterly report on Form 10-Q
Read the filingQuarterly report on Form 10-Q/A
Read the filingAnnual report on Form 10-K/A
Read the filingQuarterly report on Form 10-Q/A
Read the filingQuarterly report on Form 10-Q/A
Read the filingAnnual report on Form 10-K/A
Read the filingSigned a material agreement
Read the filingAmended its charter or changed its financial year
Read the filingQuarterly report on Form 10-Q
Read the filingChanged its auditor
Read the filing