Unity Bancorp, Inc. (UNTY)

NASDAQ: UNTY · Real-Time Price · USD

59.51

-0.15 (-0.25%)

At close: Aug 10, 2026, 4:00 PM EDT

59.63

+0.12 (0.20%)

After-hours: Aug 10, 2026, 4:16 PM EDT

Unity Bancorp Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	129.72	127.87	103.13	99.97	93.88	88.91
Revenue Growth	15.01%	23.99%	3.16%	6.49%	5.59%	25.95%
Net Income	58.62	57.95	41.45	39.71	38.46	36.12
Earnings Per Share	5.75	5.67	4.06	3.84	3.59	3.43
EPS Growth	16.40%	39.66%	5.73%	6.96%	4.67%	56.62%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	250.32	216.52	180.44	194.78	114.79	489.64
Total Debt	326.43	266.08	230.81	366.75	393.31	40
Net Cash (Debt)	-76.11	-49.57	-50.38	-171.97	-278.52	449.64
Net Cash Growth	-	-	-	-	-	4895.40%
Net Cash Per Share	-7.45	-4.85	-4.94	-16.63	-26.02	42.64

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	28.55	44.91	47.99	46.91	42.67	32.33
Capital Expenditures	-0.62	-0.56	-0.69	-0.96	-1.48	-
Free Cash Flow	27.93	44.34	47.29	45.95	41.19	32.33
Free Cash Flow Growth	-13.44%	-6.24%	2.92%	11.57%	27.40%	44.82%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Pretax Margin	58.35%	59.05%	52.74%	53.01%	54.77%	54.13%
Profit Margin	45.19%	45.32%	40.19%	39.72%	40.96%	40.62%
FCF Margin	21.53%	34.68%	45.86%	45.97%	43.87%	36.36%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 10, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.640	0.580	0.520	0.480	0.430	0.360
Dividend Per Share Growth	14.81%	11.54%	8.33%	11.63%	19.44%	12.50%
Dividend Yield	1.07%	1.08%	1.15%	1.56%	1.52%	1.32%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 10, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	10.35	9.12	10.74	7.71	7.61	7.65
Forward PE	9.80	9.36	9.90	8.53	6.91	8.45
P/FCF Ratio	22.11	11.64	9.25	6.48	7.02	8.44
PS Ratio	4.58	4.04	4.24	2.98	3.08	3.07