Unity Bancorp Statistics

Total Valuation

Unity Bancorp has a market cap or net worth of $485.36 million. The enterprise value is $535.73 million.

Market Cap	485.36M
Enterprise Value	535.73M

Important Dates

The last earnings date was Wednesday, January 15, 2025, before market open.

Earnings Date	Jan 15, 2025
Ex-Dividend Date	Dec 13, 2024

Share Statistics

Unity Bancorp has 10.03 million shares outstanding. The number of shares has decreased by -1.32% in one year.

Current Share Class	10.03M
Shares Outstanding	10.03M
Shares Change (YoY)	-1.32%
Shares Change (QoQ)	+0.55%
Owned by Insiders (%)	10.66%
Owned by Institutions (%)	40.34%
Float	6.35M

Valuation Ratios

The trailing PE ratio is 11.92 and the forward PE ratio is 10.06.

PE Ratio	11.92
Forward PE	10.06
PS Ratio	4.71
Forward PS	4.00
PB Ratio	1.64
P/TBV Ratio	1.65
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	12.92
EV / Sales	5.19
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 14.88%.

Return on Equity (ROE)	14.88%
Return on Assets (ROA)	1.58%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$435,152
Profits Per Employee	$174,895
Employee Count	237
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Unity Bancorp has paid $12.94 million in taxes.

Income Tax	12.94M
Effective Tax Rate	23.79%

Stock Price Statistics

The stock price has increased by +65.34% in the last 52 weeks. The beta is 1.04, so Unity Bancorp's price volatility has been similar to the market average.

Beta (5Y)	1.04
52-Week Price Change	+65.34%
50-Day Moving Average	44.89
200-Day Moving Average	34.52
Relative Strength Index (RSI)	66.67
Average Volume (20 Days)	48,222

Short Selling Information

The latest short interest is 39,808, so 0.40% of the outstanding shares have been sold short.

Short Interest	39,808
Short Previous Month	36,827
Short % of Shares Out	0.40%
Short % of Float	0.63%
Short Ratio (days to cover)	0.99

Income Statement

In the last 12 months, Unity Bancorp had revenue of $103.13 million and earned $41.45 million in profits. Earnings per share was $4.06.

Revenue	103.13M
Gross Profit	103.13M
Operating Income	55.49M
Pretax Income	51.43M
Net Income	41.45M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$4.06

Full Income Statement

Balance Sheet

The company has $180.44 million in cash and $230.81 million in debt, giving a net cash position of -$50.38 million or -$5.02 per share.

Cash & Cash Equivalents	180.44M
Total Debt	230.81M
Net Cash	-50.38M
Net Cash Per Share	-$5.02
Equity (Book Value)	295.58M
Book Value Per Share	29.48
Working Capital	-1.91B

Full Balance Sheet

Cash Flow

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

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	53.81%
Pretax Margin	52.74%
Profit Margin	40.19%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.52, which amounts to a dividend yield of 1.07%.

Dividend Per Share	$0.52
Dividend Yield	1.07%
Dividend Growth (YoY)	8.33%
Years of Dividend Growth	11
Payout Ratio	12.81%
Buyback Yield	1.32%
Shareholder Yield	2.39%
Earnings Yield	8.54%
FCF Yield	n/a

Dividend Details

Analyst Forecast

The average price target for Unity Bancorp is $54.50, which is 12.58% higher than the current price. The consensus rating is "Buy".

Price Target	$54.50
Price Target Difference	12.58%
Analyst Consensus	Buy
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

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