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Unity Bancorp, Inc. UNTY R2K

Financial Services · Banks - Regional · United States
https://www.unitybank.com
Company Profile ↓
$55.54
+6.74% 1Y
Mkt Cap$557.67M
P/E9.35
P/B1.59
Div. Yield1.10%
52W High$59.54
52W Low$44.77
Book Value$35.66
EPS (TTM)$5.94

Company Overview

Unity Bancorp, Inc. operates as the bank holding company for Unity Bank that provides commercial and retail banking services. It offers personal and business checking, money market, savings, retirement, money market accounts, as well as time and noninterest and interest-bearing demand deposits. The company also provides commercial, small business administration, consumer, mortgage, and home equity and personal loans; and owner and non-owner-occupied commercial mortgages. In addition, it is involved in the residential construction, commercial, and industrial lending activities secured by business assets, including real estate, receivables, inventory, and equipment. Further, the company offers credit and debit cards, wire transfers, safe deposit boxes, automated teller, and internet and mobile banking services; automated clearing house origination and remote deposit capture services; and business services, such as escrow account, merchant, and online services. Unity Bancorp, Inc. was founded in 1991 and is headquartered in Clinton, New Jersey.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 18.3%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 14.6% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 11.1% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 9.3, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 45.8%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $133.75M (+28.1% YoY); net profit $57.95M.
  • Trailing 12 Months Year-on-year growth — revenue +16.1%, earnings +23.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR 11.1%, profit CAGR 14.6%.

Growth & Price Performance

Compounded Sales Growth

5 Years:11.06%
1 Year:16.10%

Compounded Profit Growth

5 Years:14.65%
1 Year:23.90%

Stock Price Performance

1 Year:+6.74%
6 Months:+5.87%
3 Months:-0.94%
1 Month:+0.16%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 73% of range
$44.77 $59.54
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)46.07 · Neutral
Price Performance
1M+0.16%
3M-0.94%
6M+5.87%
1Y+6.74%
Valuation vs Sector

P/E of 9.35 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 45.8%.
  • Compounding revenue at 11.1% over 5 years.
  • Profit CAGR of 14.6% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
9.35
Industry PE
13.30
Forward P/E
8.78
PEG Ratio
0.99
Book Value
$35.66
Price to Book
1.59
P/S
4.29
EV/EBITDA
-
Dividend Yield
1.10%

Growth (CAGR)

Revenue 5Y
11.06%
Profit 5Y
14.65%
Revenue (YoY)
16.10%
Earnings (YoY)
23.90%

Profitability & Returns

ROCE
-
ROE
18.26%
ROA
2.09%
Profit Margin
45.80%
Op Margin
57.70%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.40
EPS (TTM)
$5.94

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$263.01M
Total Assets
$3.03B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
27.38%
Chg in Prom Hold
-0.00%
FII / Inst Holding
52.17%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$557.67M
Total Revenue (TTM)
$132.39M
EBITDA
-
Free Cash Flow
$44.34M
Operating Cash Flow
$41.97M
Shares Outstanding
10.04M
Gross Margin
0.00%
Payout Ratio
10.10%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 UNTY Unity Bancorp, Inc. R2K 55.54 9.35 $557.67M 1.10% - 18.26% 11.06% 14.65%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -----------------------------------29.35M36.14M33.46M34.84M33.61M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------13.55M14.04M14.51M14.50M14.45M
Pretax Income -----------------------------------15.42M21.53M18.87M19.69M18.49M
Tax Provision -----------------------------------3.83M5.04M4.48M4.22M4.20M
Net Income 2.82M3.02M3.16M3.19M3.44M3.76M2.50M5.23M5.40M5.49M5.80M5.74M5.83M5.96M6.12M5.37M5.17M5.76M7.34M8.50M8.42M9.46M9.75M9.11M9.45M9.94M9.96M10.29M9.70M9.95M9.77M9.59M9.45M10.90M11.51M11.60M16.49M14.39M15.47M14.29M
Diluted EPS 0.300.320.320.300.320.350.230.480.490.500.530.520.530.540.550.490.470.540.690.800.800.900.930.850.880.930.930.960.950.970.960.940.921.071.131.131.611.411.521.40

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ------------97.64M100.94M104.40M133.75M
Cost of Revenue ----------------
Gross Profit ----------------
Operating Expenses ----------------
Operating Income ----------------
EBITDA ----------------
Interest Expense ------------10.63M48.50M57.13M56.59M
Pretax Income ------------51.42M52.99M54.39M75.51M
Tax Provision ------------12.96M13.29M12.94M17.56M
Net Income 2.24M2.55M4.24M5.12M6.41M9.56M13.21M12.89M21.92M23.65M23.64M-38.46M39.71M41.45M57.95M
Diluted EPS 0.100.130.340.530.811.021.381.202.012.142.19-3.593.844.065.67

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -818.41M810.85M819.73M921.12M1.01B1.08B1.19B1.46B1.58B1.72B1.96B2.03B2.44B2.58B2.65B2.97B
Total Equity 67.86M70.08M73.56M77.51M57.17M70.12M78.47M106.29M118.11M138.49M160.71M173.91M205.73M239.23M261.43M295.58M345.63M
Cash & Equivalents 73.64M43.93M82.57M94.19M99.40M------------
Long Term Debt ---90.47M122.47M140.47M107.47M131.31M285.31M220.31M293.31M210.31M50.31M393.31M366.75M230.81M-
Total Liabilities -748.33M737.29M742.22M863.95M938.66M1.01B1.08B1.34B1.44B1.56B1.79B1.83B2.21B2.32B2.36B2.62B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow ------8.79M14.45M38.59M33.20M22.32M32.53M42.67M46.91M47.99M44.91M
Investing Cash Flow 67.67M33.69M-5.61M----81.83M-219.63M-140.65M-133.12M-175.36M-40.52M-541.28M-57.85M-92.81M-256.84M
Financing Cash Flow -114.39M-11.40M3.94M---90.78M249.54M97.32M112.41M214.33M33.49M368.59M90.92M30.49M248.01M
Capital Expenditure -421.00K-1.72M-1.82M-4.79M-597.00K-951.00K-9.60M-1.51M-1.51M-709.00K-559.00K-1.25M-1.48M-955.00K-693.00K-564.00K
Free Cash Flow -------807.00K12.94M37.08M32.49M21.76M31.28M41.19M45.95M47.29M44.34M
Share Buybacks ----------7.44M4.19M42.00K15.69M6.21M5.04M

Ratios (Annual)

Figures in %.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ----------------
Operating Margin % ----------------
Net Margin % ------------39.4%39.3%39.7%43.3%
ROE % 3.2%3.5%5.5%8.9%9.1%12.2%12.4%10.9%15.8%14.7%13.6%-16.1%15.2%14.0%16.8%
ROCE % ----------------

Shareholding Pattern

Insiders
27.38%
Institutions
52.17%
Public Float
71.84%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 5.06% 507.93K $29.28M
2 Dimensional Fund Advisors LP 4.47% 448.44K $25.85M
3 BANC FUNDS CO LLC 3.74% 375.47K $21.65M
4 Alliancebernstein L.P. 3.62% 363.86K $20.98M
5 Vanguard Capital Management LLC 3.02% 303.25K $17.48M
6 American Century Companies Inc 2.29% 229.99K $13.26M
7 Wellington Management Group, LLP 1.95% 195.40K $11.26M
8 Geode Capital Management, LLC 1.68% 168.76K $9.73M
9 Pacific Ridge Capital Partners, LLC 1.58% 158.85K $9.16M
10 State Street Corporation 1.47% 147.91K $8.53M

Analyst View

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Latest News

Recent headlines for UNTY

Google News ue, 14 Jul 2026

Compared to Estimates, Unity Bancorp (UNTY) Q2 Earnings: A Look at Key Metrics - Yahoo Finance

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Google News ue, 14 Jul 2026

New Jersey bank reports $14.5M second-quarter net income - Stock Titan

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Unity Bancorp: A Resilient Regional Bank (NASDAQ:UNTY) - Seeking Alpha

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Unity Bancorp (NASDAQ:UNTY) Sees Strong Trading Volume - Still a Buy? - MarketBeat

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Google News ue, 14 Jul 2026

Unity Bancorp Reports Second-Quarter 2026 Net Income of $14.5 Million and $1.42 Per Diluted Share - Quiver Quantitative

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Unity Bancorp (UNTY) Misses Q2 Earnings and Revenue Estimates - Yahoo! Finance Canada

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UNTY — Frequently Asked Questions

What is the current share price of Unity Bancorp, Inc. (UNTY)?

As of 2026-07-14 21:23 PDT, Unity Bancorp, Inc. (UNTY) trades at $55.54 on NasdaqGM. Its 52-week range is $44.77 to $59.54.

What is the market capitalisation of UNTY?

Unity Bancorp, Inc. (UNTY) has a market capitalisation of $557.67M on NasdaqGM.

What is the P/E ratio of UNTY?

UNTY trades at a trailing price-to-earnings (P/E) ratio of 9.35. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.59.

Does UNTY pay a dividend?

Unity Bancorp, Inc. (UNTY) currently offers a dividend yield of 1.10%.

What is the return on equity (ROE) of UNTY?

UNTY has a return on equity (ROE) of 18.26%.

Is UNTY a good stock to buy?

This page provides a data-driven analysis of Unity Bancorp, Inc. (UNTY), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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