Unity Bancorp, Inc. (UNTY)

Unity Bancorp Statistics

Total Valuation

Unity Bancorp has a market cap or net worth of $416.38 million. The enterprise value is $469.34 million.

Market Cap	416.38M
Enterprise Value	469.34M

Important Dates

The next estimated earnings date is Friday, April 11, 2025, before market open.

Earnings Date	Apr 11, 2025
Ex-Dividend Date	Mar 14, 2025

Share Statistics

Unity Bancorp has 10.06 million shares outstanding. The number of shares has decreased by -1.32% in one year.

Current Share Class	10.06M
Shares Outstanding	10.06M
Shares Change (YoY)	-1.32%
Shares Change (QoQ)	+0.55%
Owned by Insiders (%)	10.28%
Owned by Institutions (%)	43.72%
Float	6.53M

Valuation Ratios

The trailing PE ratio is 10.20 and the forward PE ratio is 8.60.

PE Ratio	10.20
Forward PE	8.60
PS Ratio	3.96
Forward PS	3.37
PB Ratio	1.38
P/TBV Ratio	1.41
P/FCF Ratio	8.76
P/OCF Ratio	8.63
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.32
EV / Sales	4.55
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	9.92

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	4.98
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 Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$452,329
Profits Per Employee	$181,798
Employee Count	228
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 +47.83% in the last 52 weeks. The beta is 0.96, so Unity Bancorp's price volatility has been similar to the market average.

Beta (5Y)	0.96
52-Week Price Change	+47.83%
50-Day Moving Average	45.59
200-Day Moving Average	39.04
Relative Strength Index (RSI)	36.28
Average Volume (20 Days)	32,893

Short Selling Information

The latest short interest is 74,921, so 0.74% of the outstanding shares have been sold short.

Short Interest	74,921
Short Previous Month	67,373
Short % of Shares Out	0.74%
Short % of Float	1.15%
Short Ratio (days to cover)	2.18

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

Balance Sheet

The company has $180.32 million in cash and $235.59 million in debt, giving a net cash position of -$55.27 million or -$5.50 per share.

Cash & Cash Equivalents	180.32M
Total Debt	235.59M
Net Cash	-55.27M
Net Cash Per Share	-$5.50
Equity (Book Value)	295.58M
Book Value Per Share	29.48
Working Capital	-2.07B

Cash Flow

In the last 12 months, operating cash flow was $47.99 million and capital expenditures -$693,000, giving a free cash flow of $47.29 million.

Operating Cash Flow	47.99M
Capital Expenditures	-693,000
Free Cash Flow	47.29M
FCF Per Share	$4.70

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	45.86%

Dividends & Yields

This stock pays an annual dividend of $0.56, which amounts to a dividend yield of 1.35%.

Dividend Per Share	$0.56
Dividend Yield	1.35%
Dividend Growth (YoY)	8.16%
Years of Dividend Growth	10
Payout Ratio	13.79%
Buyback Yield	1.32%
Shareholder Yield	2.69%
Earnings Yield	10.01%
FCF Yield	11.42%

Analyst Forecast

The average price target for Unity Bancorp is $54.50, which is 31.64% higher than the current price. The consensus rating is "Buy".

Price Target	$54.50
Price Target Difference	31.64%
Analyst Consensus	Buy
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

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