University Bancorp, Inc. (UNIB) Fair Value 2026

UNIB · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

4.6 /10

32 fundamental signals · 2 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, University Bancorp, Inc. (UNIB) trades at $22.15, versus a $27.86 median fair value across its 2 active models — 25.8% above the current price. QOC: 4.6/10. Value Trap Risk: 0/100 (SAFE). 2/13 models active.

Key Facts

Ticker
UNIB
Price
$22.15
Quality Score
4.6/10
Value Trap Risk
0/100
Models Active
2/13
Last Updated
Strength: Regime Cross-Sectional suggests +70.0% upside with 11% confidence
Risk: Below-average Quality Score of 4.6/10 signals weak fundamentals

Is University Bancorp, Inc. (UNIB) Undervalued or Overvalued in 2026?

According to CirclFi’s 2-model valuation engine, University Bancorp, Inc. (UNIB) appears undervalued as of : the median of 2 independent fair value estimates is $27.86, 25.8% above the current price of $22.15. Estimates range from $18.06 to $37.66. UNIB scores 4.6/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. UNIB’s +25.8% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy University Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give UNIB?

2 Intrinsic Value Models vs. Current Price ($22.15)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Low Conviction
 $18.06 -18.4%
Relative · Low Conviction
 $37.66 +70.0%

All Models Active

All 2 models are displayed above.

What Is University Bancorp, Inc. (UNIB) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, University Bancorp, Inc. presents a highly debated valuation profile at its current price of $22.15. The median intrinsic value is estimated at $27.86 (+25.8% median upside), masking a wide model spread between the 1 bullish models and 1 bearish models. Model dispersion is worth noting: Regime Cross targets $37.66 (+70.0%), versus Markov DDM at $18.06 (-18.4%). This +88.5% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About UNIB?

2 of 13 models are currently active for UNIB. Of these, 1 model suggests upside while 1 model suggests overvaluation. Taken together, their median fair value for UNIB is $27.86 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does UNIB Rank in Banks - Regional?

Among 349 Banks - Regional stocks, UNIB ranks #347 by Quality of Company score. CirclFi's QOC score of 4.6/10 evaluates 32 fundamental signals. A score of 4.6 reflects mixed fundamentals.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to lending environment businesses. For University Bancorp, Inc., metrics like return on tangible equity provide important context that general-purpose valuation models may underweight.

Is UNIB a Value Trap?

CirclFi's Value Trap algorithm assigns UNIB a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

2 of 13 models are active for University Bancorp, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, University Bancorp, Inc. scores 4.6 out of 10 on our 32-signal quality assessment, a moderate rating that shows mixed signals across our quality framework with notable weaknesses. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +88.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every UNIB valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across UNIB's 2 active models, average confidence is 12%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy University Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

10 related Banks - Regional stocks with 13-model coverage

IBNICICI Bank LimitedQOC 4.7SHFSSHF Holdings, Inc.QOC 4.4CPKFChesapeake Financial Shares, Inc.QOC 4.7AGBKAGI IncQOC 4.2CCNBCoastal Carolina Bancshares, Inc.QOC 4.7ESQEsquire Financial Holdings, Inc.QOC 9.1ITUBItaú Unibanco Holding S.A.QOC 8.4SPFISouth Plains Financial, Inc.QOC 8.0HAPNHappen, Inc.QOC 7.5PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: IBN · SHFS · CPKF · AGBK · CCNB · ESQ · ITUB · SPFI · HAPN · PEBO

Which Other Stocks Have a Similar Quality Score to UNIB?

7 companies across all industries closest to UNIB’s Quality of Company score of 4.6/10.

CJMBCallan JMB Inc.QOC 4.6GIPRGeneration Income Properties, Inc.QOC 4.6SNYRSynergy CHC Corp.QOC 4.6DRORDror Ortho-Design, Inc.QOC 4.6OFSOFS Capital CorporationQOC 4.6TGNTTotaligent, Inc.QOC 4.6NVDANVIDIA CorporationQOC 10.0

Read investment analysis: CJMB · GIPR · SNYR · DROR · OFS · TGNT · NVDA

Where Does UNIB Sit in CirclFi's Banks - Regional Rankings?

UNIB is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About University Bancorp, Inc.’s Valuation?

What is University Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts University Bancorp, Inc. (UNIB)'s intrinsic value at $27.86 — the median of 2 independent model estimates as of 2026-08-27, ranging from $18.06 to $37.66. The Quality of Company score is 4.6/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is UNIB overvalued or undervalued right now?

At $22.15, 1 of 2 active models suggest UNIB may be undervalued, while 1 indicate potential overvaluation. The median of all 2 fair value estimates is $27.86, 25.8% above the current price of $22.15 — a consensus view that UNIB is undervalued. The assessment depends on which methodology best fits University Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 4.6 mean for UNIB?

University Bancorp, Inc.'s QOC of 4.6/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores below 5 flag potential fundamental weaknesses requiring careful analysis.

How many valuation models does CirclFi run on UNIB?

CirclFi analyzes UNIB with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 2 of 13 are active for this stock. Read the full methodology →

Is UNIB a value trap in 2026?

University Bancorp, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 2-model valuation engine, University Bancorp, Inc. (UNIB) has a median fair value of $27.86 — 25.8% above the current price of $22.15 — as of 2026-08-27.” Source: circlfi.com/stock/UNIB/ · Methodology
Primary sources for this UNIB valuation
  • Financial statements: University Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000811211) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for UNIB as of ; valuations recomputed .