FORTSON NICHOLAS K
Transaction: 03/11/2008
OTHER
Change
0
Price
Not reported
Filing
03/11/2008
Type
OTHER
University Bancorp, Inc.
UNIB • Banks - Regional
$22.00
▼ -0.02 (-0.09%)
Current price
EarningsLatest report: Dec 31, 2025
HIGHER-RISK PROFILECautionConfidence: 70%
Quantitative profile — not an investment recommendation.
Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Caution is warranted. Recent ratios show weaknesses that may limit returns unless fundamentals improve.
Market Cap
$113.60M
Growth
9.7%
Cash Flow
4/5
Trend
Mostly stable
Evidence
Consistent free cash flow · 4/5Reasonable earnings multiple · 11.12Manageable debt level · 0.88Healthy liquidity · 42.36Negative growth trend
Financial data as of: Dec 31, 2025, 12:00 AM UTCLast earnings update: Dec 31, 2025, 12:00 AM UTCLast profile update: Aug 5, 2026, 2:27 PM UTC
Company Snapshot
Key valuation, quality, financial strength, momentum and analyst data.
Price$22.00
Change-0.09%
Shares Out5.16M
Market Cap$113.60M
Enterprise Value$187.29M
52W Range15.50 - 24.61
Beta0.34
P/E0.63
P/S0.54
P/B1.09
P/FCF-9.53
EV/Sales0.90
Price$22.00
Change-0.09%
Shares Out5.16M
Market Cap$113.60M
Enterprise Value$187.29M
52W Range15.50 - 24.61
Beta0.34
P/E0.63
P/S0.54
P/B1.09
P/FCF-9.53
EV/Sales0.90
EV/EBITDA1.03
EV/FCF-15.72
Earnings Yield158.07%
FCF Yield-10.49%
Dividend Yield0.80%
Gross Margin82.48%
Oper. Margin8.93%
Profit Margin6.56%
Debt/Eq0.88
Current Ratio42.36
Quick Ratio42.36
Revenue 5Y9.71%
Volume200.00
Avg Volume773.00
Investment DNA
How strong this company looks for long-term investors
53
out of 100
Business Quality
Margins, moat, returns
42/100
Financial Strength
Debt, cash, stability
70/100
Growth Potential
Revenue and expansion
20/100
Price Attractiveness
Cheap or expensive today
87/100
Why this score▼
Consistent free cash flow · 4/5Reasonable earnings multiple · 11.12Manageable debt level · 0.88Healthy liquidity · 42.36Negative growth trend
Analyst view
No analyst data available now.
Insider Transactions
Recent executive and insider activity
FORTSON NICHOLAS K
Transaction: 01/11/2006
SELL
Change
-2,380
Price
$2.06
Filing
01/26/2006
Type
SELL
JOVE CORP
Transaction: 08/22/2005
SELL
Change
-15,000
Price
$2.00
Filing
08/22/2005
Type
SELL
| Insider | Type | Change | Price | Transaction | Filing |
|---|---|---|---|---|---|
| FORTSON NICHOLAS K | OTHER | 0 | Not reported | 03/11/2008 | 03/11/2008 |
| FORTSON NICHOLAS K | SELL | -2,380 | $2.06 | 01/11/2006 | 01/26/2006 |
| JOVE CORP | SELL | -15,000 | $2.00 | 08/22/2005 | 08/22/2005 |
| JOVE CORP | SELL | -20,000 | $2.00 | 06/01/2005 | 06/01/2005 |
| RANZINI JOSEPH LANGE | BUY | +4,422 | $1.90 | 04/15/2005 | 04/15/2005 |
| RANZINI JOSEPH LANGE | BUY | +300 | $1.90 | 04/14/2005 | 04/15/2005 |
| RANZINI JOSEPH LANGE | OTHER | 0 | Not reported | 12/31/2005 | 04/14/2005 |
| RANZINI JOSEPH LANGE | BUY | +200 | $1.90 | 04/13/2005 | 04/14/2005 |
| RANZINI JOSEPH LANGE | BUY | +700 | $1.90 | 04/05/2005 | 04/14/2005 |
| RANZINI JOSEPH LANGE | SELL | -700 | $1.90 | 04/05/2005 | 04/13/2005 |
| RANZINI JOSEPH LANGE | BUY | +12,800 | $1.90 | 02/22/2005 | 02/24/2005 |
| FORTSON NICHOLAS K | SELL | -7,620 | $2.02 | 12/01/2004 | 12/02/2004 |
| RANZINI MILDRED LANGE | BUY | +80,000 | $1.00 | 08/16/2003 | 09/16/2003 |