Unity Bancorp, Inc. (UNTY)

Unity Bancorp Statistics

Total Valuation

Unity Bancorp has a market cap or net worth of $541.12 million. The enterprise value is $592.09 million.

Market Cap	541.12M
Enterprise Value	592.09M

Important Dates

The last earnings date was Tuesday, January 13, 2026, before market open.

Earnings Date	Jan 13, 2026
Ex-Dividend Date	Dec 5, 2025

Share Statistics

Unity Bancorp has 9.98 million shares outstanding. The number of shares has increased by 0.21% in one year.

Current Share Class	9.98M
Shares Outstanding	9.98M
Shares Change (YoY)	+0.21%
Shares Change (QoQ)	-0.37%
Owned by Insiders (%)	9.60%
Owned by Institutions (%)	51.44%
Float	7.25M

Valuation Ratios

The trailing PE ratio is 9.56 and the forward PE ratio is 9.31.

PE Ratio	9.56
Forward PE	9.31
PS Ratio	4.24
Forward PS	3.80
PB Ratio	1.58
P/TBV Ratio	1.58
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	10.22
EV / Sales	4.63
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 18.08%.

Return on Equity (ROE)	18.08%
Return on Assets (ROA)	2.06%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	5.31%
Revenue Per Employee	$528,393
Profits Per Employee	$239,467
Employee Count	242
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Unity Bancorp has paid $17.56 million in taxes.

Income Tax	17.56M
Effective Tax Rate	23.26%

Stock Price Statistics

The stock price has increased by +12.26% in the last 52 weeks. The beta is 0.67, so Unity Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.67
52-Week Price Change	+12.26%
50-Day Moving Average	53.86
200-Day Moving Average	49.69
Relative Strength Index (RSI)	50.30
Average Volume (20 Days)	48,389

Short Selling Information

The latest short interest is 82,251, so 0.82% of the outstanding shares have been sold short.

Short Interest	82,251
Short Previous Month	78,021
Short % of Shares Out	0.82%
Short % of Float	1.13%
Short Ratio (days to cover)	1.69

Income Statement

In the last 12 months, Unity Bancorp had revenue of $127.87 million and earned $57.95 million in profits. Earnings per share was $5.67.

Revenue	127.87M
Gross Profit	127.87M
Operating Income	76.69M
Pretax Income	75.51M
Net Income	57.95M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$5.67

Balance Sheet

The company has $216.52 million in cash and $266.08 million in debt, with a net cash position of -$49.57 million or -$4.97 per share.

Cash & Cash Equivalents	216.52M
Total Debt	266.08M
Net Cash	-49.57M
Net Cash Per Share	-$4.97
Equity (Book Value)	345.63M
Book Value Per Share	34.63
Working Capital	-2.09B

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	59.97%
Pretax Margin	59.05%
Profit Margin	45.32%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.60, which amounts to a dividend yield of 1.11%.

Dividend Per Share	$0.60
Dividend Yield	1.11%
Dividend Growth (YoY)	11.54%
Years of Dividend Growth	12
Payout Ratio	10.23%
Buyback Yield	-0.21%
Shareholder Yield	0.90%
Earnings Yield	10.68%
FCF Yield	n/a

Analyst Forecast

The average price target for Unity Bancorp is $65.00, which is 19.90% higher than the current price. The consensus rating is "Buy".

Price Target	$65.00
Price Target Difference	19.90%
Analyst Consensus	Buy
Analyst Count	2
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