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University Bancorp
University Bancorp (UNIB) investor relations material
University Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary10 Apr, 2026
Executive summary
Audited consolidated financials for the years ended December 31, 2025 and 2024, with a clean audit opinion and no material weaknesses or compliance issues identified.
Net income decreased to $9.97M in 2025 from $11.82M in 2024, with EPS dropping to $1.70 from $2.02 year-over-year.
Significant acquisition agreements signed in December 2025, expected to close in Q2 2026, and a new $12.5M line of credit secured in January 2026.
Financial highlights
Total assets grew to $1.14B at year-end 2025, up from $980M at year-end 2024.
Net interest and financing income rose to $40.7M in 2025 from $37.2M in 2024.
Noninterest income increased to $72.1M in 2025 from $67.0M in 2024.
Noninterest expense increased to $101.1M in 2025 from $88.8M in 2024.
Provision for credit losses was a recovery of $0.6M in 2025 versus an expense of $0.7M in 2024.
Total equity at year-end 2025 was $138.2M, up from $105.6M at year-end 2024.
Outlook and guidance
Pending acquisitions of Greater Pacific Bancshares, Bank of Whittier, and American Finance House LARIBA, with expected closing in Q2 2026, are anticipated to expand operations.
The 20% noncontrolling shareholder of UIF will swap shares for parent company stock upon acquisition completion.
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Latest events from University Bancorp
- Q3 2024 net income increased to $2.13M, with strong commercial lending and deposit growth.UNIB
Q3 202417 Dec 2025 - Q2 net income climbed to $3.04M, with strong loan growth but softer mortgage revenues.UNIBQ2 202417 Dec 2025
- 2024 net income doubled year-over-year, with strong loan growth and new dividend policy.UNIBQ4 202417 Dec 2025
- Quarterly net loss of $231,170; bank net income $1.36M; assets at $1.02B.UNIBQ1 202517 Dec 2025
- Q2 2025 net income reached $1.91M, with book value per share up to $18.28.UNIBQ2 202517 Dec 2025
- Quarterly net income rose to $4.02M, driven by loan growth but offset by securities losses.UNIBQ3 202517 Dec 2025
Next University Bancorp earnings date
Q1 202612 Jun, 2026
University Bancorp
Next University Bancorp earnings date
Q1 202612 Jun, 2026
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