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University Bancorp, Inc. · OTC
Price: $21.50 · Annual div: $0.40/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in UNIB → $108.71M in 10 years · $8,451,522.27/month
University Bancorp, Inc. operates as the bank holding company for University Bank that provides various personal, business, and community banking services in the United States. It offers checking, NOW, savings, money market, time deposit, and certificate of deposit accounts. The company's consumer loans include home equity, short term, automobile, personal, and recreational vehicle loans, as well as home equity lines of credits; and commercial real estate, equipment, small business, and non-profit loans, as well as working capital lines of credit. In addition, the company offers foreign currency exchange; online banking and bill pay; online reorder checks; wire transfer; and courier services, as well as credit card and ATM services. Further, it provides life, health, property, and casualty insurance products, as well as investment products, including annuities. University Bancorp, Inc. was founded in 1890 and is based in Ann Arbor, Michigan.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold UNIB.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 1.86% | -0.94% | $186 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.58% | -1.22% | $158 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.49% | -1.31% | $149 / yr |
| 🇬🇧 UK ISA | 0% | 1.86% | -0.94% | $186 / yr |
| 🇬🇧 UK Taxable | 8.75% | 1.70% | -1.10% | $170 / yr |
| 🇨🇦 TFSA | 0% | 1.86% | -0.94% | $186 / yr |
| 🇨🇦 CA Taxable | 25% | 1.40% | -1.40% | $140 / yr |
| 🇦🇺 Super (pension) | 15% | 1.58% | -1.22% | $158 / yr |
| 🇦🇺 AU Taxable | 30% | 1.30% | -1.50% | $130 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.37% | -1.43% | $137 / yr |
| 🇫🇷 FR Taxable | 30% | 1.30% | -1.50% | $130 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.40/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
UNIB pays quarterly — 4 times per year. Next ex-div: TBD.
How UNIB compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for UNIB sourced from FMP /financial-growth endpoint — real data, not estimates.
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Sale | 2006-01-11 | 2,380 | $2.06 | $4.9K | ||
| Sale | 2005-08-22 | 15,000 | $2.00 | $30.0K | ||
| Sale | 2005-06-01 | 20,000 | $2.00 | $40.0K | ||
| Buy | 2005-04-15 | 4,422 | $1.90 | $8.4K | ||
| Buy | 2005-04-14 | 300 | $1.90 | $570.00 | ||
| Buy | 2005-04-05 | 700 | $1.90 | $1.3K | ||
| Buy | 2005-04-13 | 200 | $1.90 | $380.00 | ||
| Sale | 2005-04-05 | 700 | $1.90 | $1.3K | ||
| Buy | 2005-02-22 | 12,800 | $1.90 | $24.3K | ||
| X-InTheMoney | 2004-12-01 | 10,000 | $1.50 | $15.0K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the UNIB dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
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