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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
University Bancorp
University Bancorp (UNIB) investor relations material
University Bancorp Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Q3 2026 net income was $4.92M, or $0.95/share, vs. $2.35M and $0.45/share in Q2; 9M net income reached $16.18M, vs. $6.16M in 9M 2025.
Annualized Q3 ROE was 19.8%; TTM ROE was 19.1% on opening equity of $94.5M.
Financial highlights
Fully diluted EPS was $0.76 in Q3 vs. $0.36 in Q2; 9M fully diluted EPS was $2.50 vs. $1.19 in 9M 2025.
YTD earnings included factors with a net positive pretax impact of $15.3M, including a $14.7M increase in mortgage servicing rights fair value.
Shareholders’ equity was $115.1M, or $22.27/share; fully diluted book value was $21.62/share at September 30.
Outlook and guidance
Bank of Whittier Q4 net income is projected at $570K, a $2.275M annualized run rate after $30,755/month of core deposit intangible amortization.
Management expects the BOW acquisition to be accretive to EPS over time; reinvesting $20M of bank CDs into higher-yielding loans over 12 months and integration work are potential earnings drivers.
A $150.2M first-mortgage HELOC portfolio sale is targeted for Q4 at 103% of UPB plus 25 bps servicing, with servicing retained; quarterly sales may follow.
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Latest events from University Bancorp
- 2Q2026 net income up 17%, driven by acquisitions, product expansion, and deposit growth.UNIB
Q2 2026 - Net income fell to $9.97M in 2025, but assets and equity increased, with major acquisitions pending.UNIBQ4 2025
- Q3 2024 net income increased to $2.13M, with strong commercial lending and deposit growth.UNIBQ3 2024
- Q2 net income climbed to $3.04M, with asset growth and strategic investments driving future upside.UNIBQ2 2024
- 2024 net income doubled year-over-year, with strong loan growth and new dividend policy.UNIBQ4 2024
- Quarterly net loss of $231,170; bank net income $1.36M; assets at $1.02B.UNIBQ1 2025
- Q2 2025 net income reached $1.91M, with book value per share up to $18.28.UNIBQ2 2025
- Quarterly net income rose to $4.02M, driven by loan growth but offset by securities losses.UNIBQ3 2025
Next University Bancorp earnings date
Q4 20265 Feb, 2027
University Bancorp
Next University Bancorp earnings date
Q4 20265 Feb, 2027
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Frequently asked questions
University Bancorp Inc. is a bank holding company operating through its subsidiary, University Bank, to provide specialized banking and financial services. The company offers personal and business banking products, including checking and savings accounts, loans, and treasury management. University Bancorp is particularly known for its niche services in Islamic banking and residential mortgage lending. In addition to traditional banking, the company also provides investment and trust services. The company is headquartered in Ann Arbor, Michigan, and its shares are listed on the OTCQX.