21.50
+0.19%
Close of 9 Nov 2026, in USD
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About University Bancorp Inc (MICHIGAN)
Its shares trade under the ticker UNIB. It has been listed since 8 June 1987. In the fiscal year to 31 December 2025, it reported revenue before interest expense of $107.5m and net income of $9.0m. At that date it held total assets of $1.14bn and shareholders' equity of $125.3m.
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 Bank is a community bank, which offers a range of customary banking services, including the acceptance of checking, savings and time deposits. The Bank provides fee-based services, such as annuity sales, life insurance, property casualty insurance and foreign currency exchange. The Bank offers services in the Ann Arbor, Michigan metropolitan statistical area. The Bank offers various services, such as personal banking, business banking and community banking. The Bank's personal banking services include checking accounts, saving accounts, consumer loans, and online banking and bill pay. The company offers a range of checking accounts. Its personal saving accounts include money market account, certificate of deposit account and savings account. The Bank's business banking services include deposit accounts, commercial loans, small business loans and online cash management.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 8 Jun 1987
- Employees
- 81
- Website
- university-bank.com ↗
- Head office
- 959 MAIDEN LANE, ANN ARBOR, MI, 48105
- Incorporated in
- DE
- Classification
- State Commercial Banks
Leadership
Pay as last reported
- Charles McDowellChairman of the Board, since 2004
- Mr. Stephen RanziniPresident, Chief Executive Officer, Director, since 1988$100,500
- Edward BurgerPresident and Director of Midwest Loan Services$150,000
- John SicklerExecutive Vice President - Residential Loans$98,541
- Gary BakerDirector
- Mr. Michael ConcannonDirector
- Mr. Robert KauffmanDirector
- Joseph RanziniDirector
- Paul RanziniDirector
- Michael TalleyDirector
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- University Bancorp Inc (Michigan) has a firm financial position with stable revenues and assets, which enables the company to invest in growth opportunities and withstand economic uncertainties.
- Being located in Michigan, University Bancorp Inc benefits from its proximity to major educational institutions, including universities and colleges. This provides them with a steady stream of potential customers and partnership opportunities.
Weaknesses
- University Bancorp Inc heavily relies on the local market in Michigan for its business operations, making it vulnerable to regional economic fluctuations and regulatory changes that could impact the growth and stability of the bank.
- Compared to larger national or international banks, University Bancorp Inc may face challenges in terms of brand recognition and market visibility, which could impact their ability to attract new customers and compete effectively.
Opportunities
- University Bancorp Inc can seize the opportunity to diversify and expand its loan portfolio by targeting new industries and customer segments. This can lead to increased profitability and reduced risk through spreading lending across various sectors.
- Adopting advanced technological solutions and online banking platforms could enhance the overall customer experience, streamline operations, and improve efficiency for University Bancorp Inc, helping them to stay competitive in the rapidly evolving digital banking landscape.
Threats
- University Bancorp Inc operates in a highly competitive banking industry, facing competition from large national banks as well as local and regional financial institutions. This poses a threat to their market share and profitability.
- An economic downturn or recession could negatively impact the financial position and performance of University Bancorp Inc. Reduced consumer spending, increased loan defaults, and lower interest rates are potential consequences during challenging economic times.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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