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Income statement, University Bancorp Inc, fiscal years, most recent first
2016
2015
2014
2013
2012
2011
Interest income
5.7
4.8
4.4
4.5
4.8
4.5
Total interest expense
0.2
0.1
0.2
0.2
0.5
0.5
Net interest income
5.5
4.7
4.2
4.2
4.4
3.9
Loan loss provision
0
−0.3
−0.3
0.1
1.4
0.3
Net interest income after loan loss provision
5.5
5.0
4.5
4.1
3.0
3.6
Non-interest income
43.6
37.4
31.0
32.4
31.3
15.7
Non-interest expense
−42.9
−37.4
−34.6
−32.8
−29.6
−20.4
Net income before taxes
6.1
5.0
1.0
3.7
4.7
−1.1
Provision for taxes
2.1
1.7
0.4
1.2
2.0
−0.2
Minority interest & equity in affiliates
−0.2
−0.1
0.1
−0.6
−0.8
0.6
Other
0
0
0
0
0
0
Net income before extraordinary items
3.8
3.1
0.8
1.8
1.9
−0.3
Extraordinary items
–
–
–
–
–
–
Net income
3.8
3.1
0.8
1.8
1.9
−0.3
Basic weighted average shares (mil)
5.1
5.1
4.8
4.8
4.8
4.8
Diluted weighted average shares (mil)
5.1
5.1
4.8
4.8
4.8
4.8
Basic EPS excluding extraordinary items
0.75
0.62
0.16
0.38
0.40
−0.06
Basic EPS, normalized
0.78
0.63
0.27
0.38
0.40
−0.06
Balance sheet in millions of USD, fiscal years
Balance sheet, University Bancorp Inc, fiscal years, most recent first
2016
2015
2014
2013
2012
2011
Assets
Cash & due from banks
42.4
59.7
2.4
6.2
9.2
9.1
Other earning assets
60.6
46.7
49.5
37.7
55.1
43.8
Net loans
65.7
55.7
50.7
48.5
53.7
56.7
Property, plant & equipment
5.4
4.9
4.3
4.6
4.4
3.7
Goodwill
0.4
0.4
0.4
0.4
0.4
0.1
Intangibles
11.3
9.7
8.3
7.6
4.5
2.5
Long-term investments
–
–
–
–
–
–
Other long-term assets
1.4
2.1
2.4
2.1
2.3
3.2
Other assets
3.8
3.3
3.0
4.2
2.6
2.7
Total assets
191
182
121
111
132
122
Liabilities
Accounts payable
5.7
4.6
3.8
5.0
3.7
2.0
Payable/accrued
–
–
–
–
–
–
Accrued expenses
–
–
–
–
–
–
Total deposits
154
152
94.6
85.5
108
104
Other bearing liabilities
–
–
–
–
–
–
Short-term borrowings
2.4
–
–
–
–
–
Current portion of long-term debt
–
–
–
–
–
–
Long-term debt
0
0
0
0
0
0
Minority interest
2.7
2.5
4.6
4.7
4.1
3.5
Other liabilities
7.9
8.2
7.7
6.5
8.6
5.9
Total liabilities
173
168
111
102
125
116
Shareholders' equity
Preferred stock
–
–
–
–
–
–
Common stock
0.1
0.1
0
0
0
0
Additional paid-in capital
7.5
7.5
6.3
6.3
6.3
6.5
Retained earnings (accumulated deficit)
10.5
7.2
4.1
3.3
1.5
−0.4
Treasury stock
–
0
−0.1
−0.3
−0.3
−0.3
Other equity
0
0
0
0.1
0.1
0.1
Total equity
18.1
14.8
10.4
9.4
7.6
5.9
Total liabilities & shareholders' equity
191
182
121
111
132
122
Cash flow statement in millions of USD, fiscal years
Cash flow statement, University Bancorp Inc, fiscal years, most recent first
2016
2015
2014
2013
2012
2011
Operating activities
Net income
4.0
3.2
0.6
2.4
2.7
−0.9
Depreciation, depletion & amortization
1.0
1.0
0.9
0.9
0.7
0.5
Deferred taxes
1.5
1.4
0.4
1.3
1.6
−0.2
Non-cash items
−1.4
−0.3
−0.4
−2.6
−1.5
−0.1
Changes in working capital
−15.4
−4.0
−12.7
12.3
−6.1
−5.7
Cash from operations
−10.2
1.3
−11.1
14.3
−2.6
−6.4
Investing activities
Capital expenditures
−1.4
−1.4
−0.6
−1.0
−0.9
−1.3
Other investing cash flows
−9.4
0.7
−0.3
6.3
0.4
1.2
Cash from investing
−10.8
−0.8
−1.0
5.3
−0.5
−0.1
Financing activities
Financing cash flow items
1.9
57.2
9.0
−22.6
3.2
2.0
Cash dividends paid
−0.5
0
−0.2
–
–
–
Issuance (retirement) of debt, net
–
–
–
–
–
–
Other financing cash flows
2.4
−0.3
−0.6
0
0
0
Cash from financing
3.7
56.9
8.3
−22.6
3.2
2.0
Foreign exchange effects
–
–
–
–
–
–
Net change in cash
−17.3
57.4
−3.8
−3.0
0.1
−4.5
Free cash flow
−11.6
−0.1
−11.7
13.3
−3.5
−7.7
Disclaimer
The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.
This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.
QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.
Live quote provided by TradingView. Report data updated Nov 1, 2026 after market close.