Unity Bancorp, Inc. (UNTY)

Unity Bancorp Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 27, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Cap	508	516	437	298	289	273
Market Cap Growth	19.93%	18.08%	46.84%	2.94%	6.05%	48.64%
Enterprise Value	562.8	782.35	668.05	664.51	682.57	312.76
Last Close Price	50.90	51.72	43.61	29.59	27.33	26.25
PE Ratio	8.95	9.12	10.74	7.71	7.61	7.65
Forward PE	8.71	9.36	9.90	8.53	6.91	8.45
PS Ratio	3.97	4.16	4.41	3.07	3.22	3.07
PB Ratio	1.47	1.49	1.48	1.14	1.21	1.33
P/TBV Ratio	1.51	1.53	1.51	1.17	1.22	1.35
P/FCF Ratio	11.46	11.64	9.25	6.48	7.02	8.44
P/OCF Ratio	11.32	11.50	9.11	6.35	6.78	8.44
EV/Sales Ratio	4.40	6.31	6.74	6.86	7.61	3.52
EV/EBITDA Ratio	-	278.72	260.14	278.86	247.67	194.38
EV/FCF Ratio	12.69	17.64	14.13	14.46	16.57	9.67
Debt / Equity Ratio	0.77	0.77	0.78	1.40	1.64	0.19
Debt / EBITDA Ratio	94.79	94.79	89.88	153.90	142.71	24.86
Debt / FCF Ratio	6.00	6.00	4.88	7.98	9.55	1.24
Net Debt / Equity Ratio	0.77	0.77	0.78	1.40	1.64	0.19
Net Debt / EBITDA Ratio	94.79	94.79	89.88	153.90	142.71	24.86
Net Debt / FCF Ratio	6.00	6.00	4.88	7.98	9.55	1.24
Asset Turnover	0.05	0.04	0.04	0.04	0.04	0.04
Return on Equity (ROE)	18.08%	18.08%	14.88%	15.86%	17.29%	19.03%
Earnings Yield	11.40%	10.96%	9.31%	12.98%	13.14%	13.07%
FCF Yield	8.73%	8.59%	10.82%	15.43%	14.24%	11.85%
Dividend Yield	1.18%	1.08%	1.15%	1.56%	1.52%	1.32%
Payout Ratio	10.58%	9.68%	12.11%	11.89%	11.37%	10.01%
Buyback Yield / Dilution	-0.21%	-0.21%	1.32%	3.43%	-1.51%	2.48%
Total Shareholder Return	0.98%	0.88%	2.46%	4.99%	0.02%	3.80%

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

SEC Filings: 10-K · 10-Q