Unity Bancorp, Inc. UNTY R2K

Financial Services · Banks - Regional · United States

https://www.unitybank.com

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.

Market & Price

Market Cap

$560.88M

Current Price

$55.86

High / Low (52W)

$56.97 / $41.79

Beta

0.61

Valuation

Stock P/E

9.40

Industry PE

12.01

Forward P/E

8.83

PEG Ratio

0.99

Book Value

$35.66

Price to Book

1.57

P/S

4.24

EV/EBITDA

Dividend Yield

1.11%

Profitability & Returns

ROCE

ROE

18.26%

ROA

2.09%

Profit Margin

45.80%

Op Margin

57.70%

EPS (Latest Qtr)

$1.40

EPS (TTM)

$5.94

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$263.01M

Total Assets

$2.97B

Current Assets

Working Capital

Ownership

Promoter Holding

27.57%

Chg in Prom Hold

FII / Inst Holding

52.17%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$594.48M

Total Revenue (TTM)

$132.39M

EBITDA

Free Cash Flow

Operating Cash Flow

$41.97M

Shares Outstanding

10.04M

Gross Margin

0.00%

Payout Ratio

10.10%

Growth (CAGR)

Revenue 5Y

11.06%

Profit 5Y

14.65%

Revenue (YoY)

16.10%

Earnings (YoY)

23.90%

PROS

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

CONS

No notable concerns flagged.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	UNTY Unity Bancorp, Inc. R2K	55.86	9.40	$560.88M	1.11%	-	18.26%	11.06%	14.65%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	29.35M	36.14M	33.46M	34.84M	33.61M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	13.55M	14.04M	14.51M	14.50M	14.45M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	15.42M	21.53M	18.87M	19.69M	18.49M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.83M	5.04M	4.48M	4.22M	4.20M
Net Income	2.82M	3.02M	3.16M	3.19M	3.44M	3.76M	2.50M	5.23M	5.40M	5.49M	5.80M	5.74M	5.83M	5.96M	6.12M	5.37M	5.17M	5.76M	7.34M	8.50M	8.42M	9.46M	9.75M	9.11M	9.45M	9.94M	9.96M	10.29M	9.70M	9.95M	9.77M	9.59M	9.45M	10.90M	11.51M	11.60M	16.49M	14.39M	15.47M	14.29M
Diluted EPS	0.30	0.32	0.32	0.30	0.32	0.35	0.23	0.48	0.49	0.50	0.53	0.52	0.53	0.54	0.55	0.49	0.47	0.54	0.69	0.80	0.80	0.90	0.93	0.85	0.88	0.93	0.93	0.96	0.95	0.97	0.96	0.94	0.92	1.07	1.13	1.13	1.61	1.41	1.52	1.40

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	97.64M	100.94M	104.40M	133.75M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	10.63M	48.50M	57.13M	56.59M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	51.42M	52.99M	54.39M	75.51M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	12.96M	13.29M	12.94M	17.56M
Net Income	2.24M	2.55M	4.24M	5.12M	6.41M	9.56M	13.21M	12.89M	21.92M	23.65M	23.64M	-	38.46M	39.71M	41.45M	57.95M
Diluted EPS	0.10	0.13	0.34	0.53	0.81	1.02	1.38	1.20	2.01	2.14	2.19	-	3.59	3.84	4.06	5.67

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:	+27.89%
6 Months:	+11.41%
3 Months:	+5.34%
1 Month:	+7.01%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	818.41M	810.85M	819.73M	921.12M	1.01B	1.08B	1.19B	1.46B	1.58B	1.72B	1.96B	-	2.44B	2.58B	2.65B	2.97B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	73.64M	43.93M	82.57M	94.19M	99.40M	-	-	-	-	-	-	-	-	114.79M	194.78M	180.44M	216.52M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	13.40M	13.58M	12.69M	12.90M
Total Liabilities	-	748.33M	737.29M	742.22M	863.95M	938.66M	1.01B	1.08B	1.34B	1.44B	1.56B	1.79B	-	2.21B	2.32B	2.36B	2.62B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	90.47M	122.47M	140.47M	107.47M	131.31M	285.31M	220.31M	293.31M	210.31M	-	393.31M	366.75M	230.81M	266.08M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	393.31M	366.75M	230.81M	266.08M
Total Equity	-	70.08M	73.56M	77.51M	57.17M	70.12M	78.47M	106.29M	118.11M	138.49M	160.71M	173.91M	-	239.23M	261.43M	295.58M	345.63M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	11.29M	11.42M	11.62M	10.05M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-	-	-	-	-	-	8.79M	14.45M	38.59M	33.20M	22.32M	-	42.67M	46.91M	47.99M	44.91M
Investing Cash Flow	67.67M	33.69M	-5.61M	-	-	-	-81.83M	-219.63M	-140.65M	-133.12M	-175.36M	-	-541.28M	-57.85M	-92.81M	-256.84M
Financing Cash Flow	-114.39M	-11.40M	3.94M	-	-	-	90.78M	249.54M	97.32M	112.41M	214.33M	-	368.59M	90.92M	30.49M	248.01M
Capital Expenditure	-421.00K	-1.72M	-1.82M	-4.79M	-597.00K	-951.00K	-9.60M	-1.51M	-1.51M	-709.00K	-559.00K	-	-1.48M	-955.00K	-693.00K	-564.00K
Free Cash Flow	-	-	-	-	-	-	-807.00K	12.94M	37.08M	32.49M	21.76M	-	41.19M	45.95M	47.29M	44.34M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-130.03M	79.98M	-14.34M	36.08M
Share Buybacks	-	-	-	-	-	-	-	-	-	-	7.44M	4.19M	42.00K	15.69M	6.21M	5.04M

Ratios (Annual)

Figures in %.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 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

27.57%

Institutions

52.17%

Public Float

72.03%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	5.06%	507.93K	$28.37M
2	Dimensional Fund Advisors LP	4.47%	448.44K	$25.05M
3	BANC FUNDS CO LLC	3.74%	375.47K	$20.97M
4	Alliancebernstein L.P.	3.62%	363.86K	$20.33M
5	Vanguard Capital Management LLC	3.02%	303.25K	$16.94M
6	American Century Companies Inc	2.29%	229.99K	$12.85M
7	Wellington Management Group, LLP	1.95%	195.40K	$10.92M
8	Geode Capital Management, LLC	1.68%	168.76K	$9.43M
9	Pacific Ridge Capital Partners, LLC	1.58%	158.85K	$8.87M
10	State Street Corporation	1.47%	147.91K	$8.26M

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