Unity Bancorp, Inc. (UNTY)

Unity Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	117.03	98.61	95	90.11	77.04
Net Interest Income Growth	18.68%	3.80%	5.43%	16.96%	19.56%
Non-Interest Income	14.78	8.47	8.14	8.05	12.05
Non-Interest Income Growth	74.51%	4.02%	1.21%	-33.26%	-8.38%
Revenues Before Loan Losses	131.81	107.08	103.14	98.15	89.09
Provision for Credit Losses	3.94	3.95	3.17	4.27	0.18
Revenue	127.87	103.13	99.97	93.88	88.91
Revenue Growth (YoY)	23.99%	3.16%	6.49%	5.59%	25.95%
Compensation Expenses	32.19	29.75	29.05	26.95	24.77
Selling, General & Admin	16.73	15.15	14.42	12.86	12.57
Other Non-Interest Expenses	3.44	3.85	3.5	2.65	3.38
Total Non-Interest Expense	52.36	48.74	46.98	42.46	40.78
Pretax Income	75.51	54.39	53	51.42	48.13
Provision for Income Taxes	17.56	12.94	13.29	12.96	12.01
Net Income	57.95	41.45	39.71	38.46	36.12
Net Income to Common	57.95	41.45	39.71	38.46	36.12
Net Income Growth	39.81%	4.39%	3.25%	6.47%	52.76%
Shares Outstanding (Basic)	10	10	10	11	10
Shares Outstanding (Diluted)	10	10	10	11	11
Shares Change (YoY)	0.21%	-1.32%	-3.43%	1.51%	-2.48%
EPS (Basic)	5.78	4.13	3.89	3.66	3.47
EPS (Diluted)	5.67	4.06	3.84	3.59	3.43
EPS Growth	39.66%	5.73%	6.96%	4.67%	56.62%
Shares Outstanding	9.98	10.03	10.06	10.58	10.39
Free Cash Flow	44.34	47.29	45.95	41.19	32.33
Free Cash Flow Growth	-6.24%	2.92%	11.57%	27.40%	44.82%
Free Cash Flow Per Share	4.34	4.64	4.45	3.85	3.07
Dividends Per Share	0.580	0.520	0.480	0.430	0.360
Dividend Growth	11.54%	8.33%	11.63%	19.44%	12.50%
Profit Margin	46.74%	41.79%	40.99%	42.86%	40.71%
FCF Margin	35.76%	47.68%	47.44%	45.91%	36.43%
EBITDA	2.81	2.57	2.38	2.76	1.61
EBITDA Margin	2.26%	2.59%	2.46%	3.07%	1.81%
Effective Tax Rate	23.26%	23.79%	25.07%	25.21%	24.96%

Updated Jan 13, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q