SmarterDividends
UNIB

University Bancorp, Inc.

UNIB

Financial Services · Banks - Regional · Stock · weekly payer

$21.14

Overvalued · -37% Add to Portfolio

Forward Yield

1.89%

Annual Dividend

$0.40

Payout Ratio

18%

5-Yr Growth

-7.8%

Ex-Date

Oct 1, 2026

Frequency

Weekly

Key facts about UNIB's dividend

Data as of · Source: SmarterDividends data

  • As of Oct 7, 2026, University Bancorp, Inc. (UNIB) has a forward dividend yield of 1.89%, based on an annual dividend of $0.40 per share and a share price of $21.14.
  • As of Oct 7, 2026, UNIB's dividend safety grade from SmarterDividends is C (59 out of 100), which rates the dividend as borderline.
  • UNIB last cut its regular dividend in 2025.
  • UNIB's most recent ex-dividend date was Oct 1, 2026, for a dividend of $0.10 per share.
  • As of Oct 7, 2026, UNIB pays out 18% of its trailing 12-month earnings as dividends (its payout ratio).
  • UNIB's dividend has shrunk at an average rate of 7.8% a year over the past five years.
  • As of Oct 7, 2026, UNIB's 1.89% yield is 12% below its five-year average yield of 2.15%.
  • As of Oct 7, 2026, SmarterDividends' blended fair-value estimate for UNIB is $13.25 per share, 37% below the $21.14 share price, so UNIB screens as overvalued.
  • University Bancorp, Inc. (UNIB) pays its dividend weekly, 52 times a year.
Cite this page

SmarterDividends, "UNIB Dividend: Yield, Safety Grade & Next Ex-Date," updated Oct 7, 2026, https://smarterdividends.com/stocks/UNIB

Summary

As of Oct 7, 2026, University Bancorp, Inc. (UNIB) yields 1.89% ($0.40 a year per share) and has a dividend safety grade of C (59/100).

Is UNIB a good dividend stock?

Yes, with caveats

University Bancorp, Inc. (UNIB) pays a weekly dividend yielding 1.89% ($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%)

Risks

  • Cut its dividend in 2025
  • Dividend has been shrinking, not growing

Key Data

Dividend Yield
1.89%
Payout Ratio
18%
Annual Dividend
$0.40
5-Yr Avg Growth
-7.8%
Ex-Dividend Date
Oct 1, 2026
Years of Growth
0
Frequency
weekly
Beta
0.30
Market Cap
$109.3M
P/E Ratio
12.4
5-Yr Total Return
27%
52-Week Range
$16.11 – $24.61
Dividend Safety
C · 59/100
Ever Cut?
Yes (2025)
UNIB ex-dividend date & scheduleNext ex-date Oct 1, 2026 · full ex-dividend historyView →UNIB dividend historyEvery payment, totals by year, raises and cutsView →

Frequently Asked Questions

Is UNIB a good dividend stock?

Yes, with caveats. University Bancorp, Inc. (UNIB) pays a weekly dividend yielding 1.89% ($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.

Is UNIB undervalued?

Based on a blend of discounted cash flow, a dividend-discount model and an earnings-multiple estimate, UNIB's fair value is about $13.25 versus a $21.14 share price — so it looks overvalued (-37% vs. fair value).

Is UNIB's dividend safe?

UNIB has a dividend-safety grade of C (59/100), based on its payout coverage, free-cash-flow, 0-year growth streak, a dividend cut in 2025, debt and yield-versus-history.

What is UNIB's fair value?

Our blended fair-value estimate for UNIB is about $13.25 per share, about 37% below the current $21.14 price — combining a discounted cash flow, a dividend-discount model and an earnings multiple.

Is UNIB a buy, hold, or sell?

We don't issue formal ratings, but on the data UNIB screens as "yes, with caveats" and overvalued. University Bancorp, Inc. (UNIB) pays a weekly dividend yielding 1.89% ($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. This is research for your own analysis, not investment advice.

Will UNIB cut its dividend?

UNIB earns a dividend-safety grade of C (59/100), and has cut its dividend before (last in 2025). A higher score means lower cut risk based on payout coverage, cash flow and history — but no score guarantees a dividend.

Does UNIB pay a dividend?

Yes. University Bancorp, Inc. pays a weekly dividend of about $0.40 per share annually, a forward yield of roughly 1.89%.

What is UNIB's dividend yield?

As of Oct 7, 2026, UNIB's forward dividend yield is 1.89%, based on a $0.40 annual dividend and a $21.14 share price.

What is UNIB's dividend per share?

As of Oct 7, 2026, UNIB pays $0.40 per share per year, distributed on a weekly basis.

What is UNIB's dividend payout ratio?

As of Oct 7, 2026, UNIB's payout ratio is 18% of trailing 12-month earnings — a comfortable level that leaves room to keep raising the dividend.

How many years has UNIB grown its dividend?

UNIB does not currently have a long dividend-growth streak on record.

When is the next UNIB ex-dividend date?

As of Oct 7, 2026, UNIB's next ex-dividend date hasn't been announced. The most recent was Oct 1, 2026, for $0.10 per share.

Income Calculator

At $0.40 / yr per share

Per payment (weekly)$10.00
Annual$40.00
Monthly avg$3.33

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