Unity Bancorp Statistics
Total Valuation
Unity Bancorp has a market cap or net worth of $522.15 million. The enterprise value is $560.47 million.
Important Dates
The next estimated earnings date is Wednesday, January 14, 2026, before market open.
| Earnings Date | Jan 14, 2026 |
| Ex-Dividend Date | Dec 5, 2025 |
Share Statistics
Unity Bancorp has 10.04 million shares outstanding. The number of shares has increased by 0.34% in one year.
| Current Share Class | 10.04M |
| Shares Outstanding | 10.04M |
| Shares Change (YoY) | +0.34% |
| Shares Change (QoQ) | +0.21% |
| Owned by Insiders (%) | 10.33% |
| Owned by Institutions (%) | 51.23% |
| Float | 7.23M |
Valuation Ratios
The trailing PE ratio is 9.87 and the forward PE ratio is 9.42.
| PE Ratio | 9.87 |
| Forward PE | 9.42 |
| PS Ratio | 4.28 |
| Forward PS | 3.74 |
| PB Ratio | 1.56 |
| P/TBV Ratio | 1.57 |
| P/FCF Ratio | 8.69 |
| P/OCF Ratio | 8.55 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 10.38 |
| EV / Sales | 4.60 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 9.33 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 4.03 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 17.46%.
| Return on Equity (ROE) | 17.46% |
| Return on Assets (ROA) | 1.96% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $534,956 |
| Profits Per Employee | $236,794 |
| Employee Count | 228 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Unity Bancorp has paid $16.32 million in taxes.
| Income Tax | 16.32M |
| Effective Tax Rate | 23.22% |
Stock Price Statistics
The stock price has increased by +14.31% in the last 52 weeks. The beta is 0.65, so Unity Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.65 |
| 52-Week Price Change | +14.31% |
| 50-Day Moving Average | 48.32 |
| 200-Day Moving Average | 46.84 |
| Relative Strength Index (RSI) | 66.96 |
| Average Volume (20 Days) | 36,983 |
Short Selling Information
The latest short interest is 69,139, so 0.69% of the outstanding shares have been sold short.
| Short Interest | 69,139 |
| Short Previous Month | 73,475 |
| Short % of Shares Out | 0.69% |
| Short % of Float | 0.96% |
| Short Ratio (days to cover) | 1.68 |
Income Statement
In the last 12 months, Unity Bancorp had revenue of $121.97 million and earned $53.99 million in profits. Earnings per share was $5.27.
| Revenue | 121.97M |
| Gross Profit | 121.97M |
| Operating Income | 71.38M |
| Pretax Income | 70.31M |
| Net Income | 53.99M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $5.27 |
Full Income StatementBalance Sheet
The company has $203.70 million in cash and $242.02 million in debt, giving a net cash position of -$38.31 million or -$3.82 per share.
| Cash & Cash Equivalents | 203.70M |
| Total Debt | 242.02M |
| Net Cash | -38.31M |
| Net Cash Per Share | -$3.82 |
| Equity (Book Value) | 334.02M |
| Book Value Per Share | 33.27 |
| Working Capital | -2.19B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $61.09 million and capital expenditures -$1.02 million, giving a free cash flow of $60.08 million.
| Operating Cash Flow | 61.09M |
| Capital Expenditures | -1.02M |
| Free Cash Flow | 60.08M |
| FCF Per Share | $5.98 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 58.52% |
| Pretax Margin | 57.65% |
| Profit Margin | 44.26% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 49.25% |
Dividends & Yields
This stock pays an annual dividend of $0.60, which amounts to a dividend yield of 1.15%.
| Dividend Per Share | $0.60 |
| Dividend Yield | 1.15% |
| Dividend Growth (YoY) | 11.54% |
| Years of Dividend Growth | 11 |
| Payout Ratio | 11.01% |
| Buyback Yield | -0.34% |
| Shareholder Yield | 0.81% |
| Earnings Yield | 10.34% |
| FCF Yield | 11.51% |
Dividend DetailsAnalyst Forecast
The average price target for Unity Bancorp is $59.67, which is 14.73% higher than the current price. The consensus rating is "Buy".
| Price Target | $59.67 |
| Price Target Difference | 14.73% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 | 4 |
