University Bancorp, Inc.
UNIBFinancial Services · Stock · quarterly payer
Forward Yield
1.80%
Annual Dividend
$0.40
Payout Ratio
18%
5-Yr Growth
-7.8%
Ex-Date
Apr 2, 2026
Frequency
Quarterly
Summary
As of July 2026, University Bancorp, Inc. (UNIB) yields 1.80% ($0.40 per share annually), with a blended fair-value estimate of $33.72 — +54% upside, so it screens as undervalued. Dividend safety grade: C (58/100).
Is UNIB a good dividend stock?
Yes, with caveatsUniversity Bancorp, Inc. (UNIB) pays a quarterly dividend yielding 1.80% ($0.40/yr), with 0 years of growth and a dividend-safety grade of C. It's a solid income payer, but check the caveats below before buying.
Advantages
- Comfortable payout ratio (18%)
- 42% total price return over 5 years
Risks
- Cut its dividend in 2025
- Dividend has been shrinking, not growing
Key Data
- Dividend Yield
- 1.80%
- Payout Ratio
- 18%
- Annual Dividend
- $0.40
- 5-Yr Avg Growth
- -7.8%
- Ex-Dividend Date
- Apr 2, 2026
- Years of Growth
- 0
- Frequency
- quarterly
- Beta
- —
- Market Cap
- $114.7M
- P/E Ratio
- 13.0
- 5-Yr Total Return
- 42%
- 52-Week Range
- $15.50 – $24.61
- Dividend Safety
- C · 58/100
- Ever Cut?
- Yes (2025)
Frequently Asked Questions
UNIB Price — Last 12 Months
Daily close
Price Return
1 Year
+38%
3 Years
+58%
5 Years
+42%
52-Week Range
$15.50 – $24.61
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is UNIB worth?
Undervaluedlow confidenceOur blended fair-value estimate for University Bancorp, Inc. is $33.72 per share, versus a market price of $21.91. That implies 54% of upside — a margin of safety of about 35%.
Fair Value
$33.72
Current Price
$21.91
Upside
+54%
Margin of Safety
35%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model -5.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 9.3% discount rate (CAPM), -5.0% stage-1 growth, 2.5% terminal growth, $1.70 EPS, $0.40 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
UNIB Dividend Safety Score
Borderline
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Apr 2, 2026 | — | $0.1000 | regular |
| Mar 27, 2026 | — | $0.1000 | regular |
| Dec 1, 2025 | — | $0.1000 | regular |
| Jul 28, 2025 | — | $0.1000 | regular |
| Apr 11, 2025 | — | $0.1000 | regular |
| Jan 2, 2025 | — | $0.1000 | regular |
| Dec 23, 2024 | — | $0.2000 | regular |
| May 27, 2022 | — | $0.4500 | regular |
| Sep 30, 2021 | — | $0.2250 | regular |
| Jun 22, 2021 | — | $0.0750 | regular |
| Mar 22, 2021 | — | $0.0750 | regular |
| Dec 10, 2020 | — | $0.1500 | regular |
| Feb 1, 2016 | — | $0.1070 | regular |
Income Calculator
At $0.40 / yr per share
