Unity Bancorp, Inc. (UNTY)

Unity Bancorp Statistics

Total Valuation

Unity Bancorp has a market cap or net worth of $535.41 million. The enterprise value is $627.59 million.

Market Cap	535.41M
Enterprise Value	627.59M

Important Dates

The last earnings date was Tuesday, July 15, 2025, before market open.

Earnings Date	Jul 15, 2025
Ex-Dividend Date	Jun 6, 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 (%)	10.27%
Owned by Institutions (%)	44.91%
Float	6.62M

Valuation Ratios

The trailing PE ratio is 10.80 and the forward PE ratio is 10.25.

PE Ratio	10.80
Forward PE	10.25
PS Ratio	4.59
Forward PS	4.08
PB Ratio	1.67
P/TBV Ratio	1.68
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	12.43
EV / Sales	5.40
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
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 Count	228
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 +55.83% in the last 52 weeks. The beta is 0.73, so Unity Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.73
52-Week Price Change	+55.83%
50-Day Moving Average	46.60
200-Day Moving Average	43.99
Relative Strength Index (RSI)	67.10
Average Volume (20 Days)	95,389

Short Selling Information

The latest short interest is 78,878, so 0.79% of the outstanding shares have been sold short.

Short Interest	78,878
Short Previous Month	73,032
Short % of Shares Out	0.79%
Short % of Float	1.19%
Short Ratio (days to cover)	1.60

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.

Revenue	116.27M
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

Balance Sheet

The company has $293.73 million in cash and $387.42 million in debt, giving a net cash position of -$93.68 million or -$9.34 per share.

Cash & Cash Equivalents	293.73M
Total Debt	387.42M
Net Cash	-93.68M
Net Cash Per Share	-$9.34
Equity (Book Value)	319.84M
Book Value Per Share	31.88
Working Capital	-1.85B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

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	n/a

Dividends & Yields

This stock pays an annual dividend of $0.56, which amounts to a dividend yield of 1.05%.

Dividend Per Share	$0.56
Dividend Yield	1.05%
Dividend Growth (YoY)	8.00%
Years of Dividend Growth	11
Payout Ratio	10.93%
Buyback Yield	0.11%
Shareholder Yield	1.16%
Earnings Yield	9.46%
FCF Yield	n/a

Analyst Forecast

The average price target for Unity Bancorp is $56.00, which is 4.93% higher than the current price. The consensus rating is "Buy".

Price Target	$56.00
Price Target Difference	4.93%
Analyst Consensus	Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

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	2