Unity Bancorp, Inc. (UNTY)
NASDAQ: UNTY · Real-Time Price · USD
52.13
-0.55 (-1.04%)
At close: Sep 5, 2025, 4:00 PM
52.24
+0.11 (0.21%)
After-hours: Sep 5, 2025, 4:04 PM EDT

Unity Bancorp Statistics

Total Valuation

Unity Bancorp has a market cap or net worth of $524.13 million. The enterprise value is $617.56 million.

Market Cap524.13M
Enterprise Value 617.56M

Important Dates

The next estimated earnings date is Friday, October 10, 2025, before market open.

Earnings Date Oct 10, 2025
Ex-Dividend Date Sep 5, 2025

Share Statistics

Unity Bancorp has 10.03 million shares outstanding. The number of shares has decreased by -0.11% in one year.

Current Share Class 10.03M
Shares Outstanding 10.03M
Shares Change (YoY) -0.11%
Shares Change (QoQ) -0.34%
Owned by Insiders (%) 10.30%
Owned by Institutions (%) 45.65%
Float 6.70M

Valuation Ratios

The trailing PE ratio is 10.57 and the forward PE ratio is 10.03.

PE Ratio 10.57
Forward PE 10.03
PS Ratio 4.50
Forward PS 3.98
PB Ratio 1.64
P/TBV Ratio 1.65
P/FCF Ratio 16.24
P/OCF Ratio 15.78
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 12.23
EV / Sales 5.31
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 19.14

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 12.01
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 17.02%.

Return on Equity (ROE) 17.02%
Return on Assets (ROA) 1.83%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Revenue Per Employee $509,934
Profits Per Employee $221,487
Employee Count228
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, Unity Bancorp has paid $15.51 million in taxes.

Income Tax 15.51M
Effective Tax Rate 23.49%

Stock Price Statistics

The stock price has increased by +60.10% in the last 52 weeks. The beta is 0.79, so Unity Bancorp's price volatility has been lower than the market average.

Beta (5Y) 0.79
52-Week Price Change +60.10%
50-Day Moving Average 50.44
200-Day Moving Average 45.84
Relative Strength Index (RSI) 59.93
Average Volume (20 Days) 30,235

Short Selling Information

The latest short interest is 69,914, so 0.70% of the outstanding shares have been sold short.

Short Interest 69,914
Short Previous Month 72,992
Short % of Shares Out 0.70%
Short % of Float 1.04%
Short Ratio (days to cover) 1.16

Income Statement

In the last 12 months, Unity Bancorp had revenue of $116.27 million and earned $50.50 million in profits. Earnings per share was $4.94.

Revenue116.27M
Gross Profit 116.27M
Operating Income 67.00M
Pretax Income 51.43M
Net Income 50.50M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $4.94
Full Income Statement

Balance Sheet

The company has $293.98 million in cash and $387.42 million in debt, giving a net cash position of -$93.44 million or -$9.31 per share.

Cash & Cash Equivalents 293.98M
Total Debt 387.42M
Net Cash -93.44M
Net Cash Per Share -$9.31
Equity (Book Value) 319.84M
Book Value Per Share 31.88
Working Capital -2.10B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $33.21 million and capital expenditures -$944,000, giving a free cash flow of $32.26 million.

Operating Cash Flow 33.21M
Capital Expenditures -944,000
Free Cash Flow 32.26M
FCF Per Share $3.22
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 57.63%
Pretax Margin 56.77%
Profit Margin 43.43%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 27.75%

Dividends & Yields

This stock pays an annual dividend of $0.56, which amounts to a dividend yield of 1.06%.

Dividend Per Share $0.56
Dividend Yield 1.06%
Dividend Growth (YoY) 9.80%
Years of Dividend Growth 11
Payout Ratio 11.33%
Buyback Yield 0.11%
Shareholder Yield 1.19%
Earnings Yield 9.63%
FCF Yield 6.16%
Dividend Details

Analyst Forecast

The average price target for Unity Bancorp is $56.00, which is 7.42% higher than the current price. The consensus rating is "Buy".

Price Target $56.00
Price Target Difference 7.42%
Analyst Consensus Buy
Analyst Count 3
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on September 13, 2016. It was a forward split with a ratio of 1.1:1.

Last Split Date Sep 13, 2016
Split Type Forward
Split Ratio 1.1:1

Scores

Altman Z-Score n/a
Piotroski F-Score 3