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5-day change | 1st Jan Change | ||
13.02 USD | -0.46% | -0.99% | -13.20% |
2023 | University Bancorp, Inc. Reports Earnings Results for the Full Year Ended December 31, 2022 | CI |
2022 | University Bancorp, Inc. announced a financing transaction | CI |
Valuation
Fiscal Period: December | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
---|---|---|---|---|---|---|
Capitalization 1 | 47.33 | 46.83 | 41.95 | 59.85 | 110.3 | 83.51 |
Enterprise Value (EV) 1 | -44.32 | -33.89 | -47.52 | -125.1 | 33.22 | 78.02 |
P/E ratio | 9.24 x | 21.2 x | 12.8 x | 2.37 x | 4.66 x | 23.2 x |
Yield | - | - | - | 1.19% | 1.69% | 2.66% |
Capitalization / Revenue | 0.88 x | 0.84 x | 0.61 x | 0.45 x | 0.83 x | 0.91 x |
EV / Revenue | -0.83 x | -0.6 x | -0.69 x | -0.93 x | 0.25 x | 0.85 x |
EV / EBITDA | - | - | - | - | - | - |
EV / FCF | - | - | - | - | - | - |
FCF Yield | - | - | - | - | - | - |
Price to Book | 2.02 x | 1.55 x | 1.25 x | 1.06 x | 1.43 x | 1.06 x |
Nbr of stocks (in thousands) | 5,201 | 5,203 | 5,205 | 4,766 | 4,890 | 4,930 |
Reference price 2 | 9.100 | 9.000 | 8.060 | 12.56 | 22.55 | 16.94 |
Announcement Date | 28/03/18 | 30/03/19 | 30/03/20 | 29/03/21 | 12/04/22 | 14/04/23 |
Income Statement Evolution (Annual data)
Fiscal Period: December | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
---|---|---|---|---|---|---|
Net sales 1 | 53.63 | 56.06 | 68.92 | 133.9 | 133.6 | 92.15 |
EBITDA | - | - | - | - | - | - |
EBIT | - | - | - | - | - | - |
Operating Margin | - | - | - | - | - | - |
Earnings before Tax (EBT) 1 | 4.82 | 3.175 | 4.893 | 38.92 | 36.02 | 5.332 |
Net income 1 | 5.124 | 2.23 | 3.617 | 28 | 25.32 | 3.789 |
Net margin | 9.56% | 3.98% | 5.25% | 20.91% | 18.96% | 4.11% |
EPS 2 | 0.9853 | 0.4241 | 0.6300 | 5.310 | 4.840 | 0.7300 |
Free Cash Flow | - | - | - | - | - | - |
FCF margin | - | - | - | - | - | - |
FCF Conversion (EBITDA) | - | - | - | - | - | - |
FCF Conversion (Net income) | - | - | - | - | - | - |
Dividend per Share | - | - | - | 0.1500 | 0.3800 | 0.4500 |
Announcement Date | 28/03/18 | 30/03/19 | 30/03/20 | 29/03/21 | 12/04/22 | 14/04/23 |
Balance Sheet Analysis
Fiscal Period: December | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
---|---|---|---|---|---|---|
Net Debt 1 | - | - | - | - | - | - |
Net Cash position 1 | 91.7 | 80.7 | 89.5 | 185 | 77 | 5.49 |
Leverage (Debt/EBITDA) | - | - | - | - | - | - |
Free Cash Flow | - | - | - | - | - | - |
ROE (net income / shareholders' equity) | 22.9% | 8.14% | 10.8% | 61.5% | 37.7% | 4.84% |
ROA (Net income/ Total Assets) | 2.47% | 0.99% | 1.25% | 6.68% | 5.3% | 0.65% |
Assets 1 | 207.5 | 226.2 | 288.6 | 419.2 | 477.7 | 582.3 |
Book Value Per Share 2 | 4.490 | 5.800 | 6.450 | 11.90 | 15.70 | 16.00 |
Cash Flow per Share 2 | 17.80 | 15.80 | 18.60 | 41.90 | 19.80 | 17.40 |
Capex 1 | 3.41 | 2.45 | 1.89 | 1.62 | 2.96 | 0.75 |
Capex / Sales | 6.36% | 4.38% | 2.75% | 1.21% | 2.22% | 0.81% |
Announcement Date | 28/03/18 | 30/03/19 | 30/03/20 | 29/03/21 | 12/04/22 | 14/04/23 |
EPS & Dividend
Year-on-year evolution of the PER
Change in Enterprise Value/EBITDA
1st Jan change | Capi. | |
---|---|---|
-13.20% | 63.7M | |
+14.20% | 301B | |
+18.59% | 252B | |
+25.74% | 216B | |
+21.29% | 183B | |
+25.50% | 170B | |
+9.52% | 162B | |
+5.28% | 146B | |
-15.88% | 131B | |
+5.13% | 130B |
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