Unity Bancorp, Inc. (UNTY)
NASDAQ: UNTY · Real-Time Price · USD
47.78
-2.19 (-4.37%)
At close: Oct 16, 2025, 4:00 PM EDT
47.78
0.00 (0.00%)
After-hours: Oct 16, 2025, 4:00 PM EDT

Unity Bancorp Statistics

Total Valuation

Unity Bancorp has a market cap or net worth of $477.33 million. The enterprise value is $523.11 million.

Market Cap477.33M
Enterprise Value 523.11M

Important Dates

The last earnings date was Tuesday, October 14, 2025, before market open.

Earnings Date Oct 14, 2025
Ex-Dividend Date Sep 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 (%) 10.32%
Owned by Institutions (%) 45.31%
Float 6.71M

Valuation Ratios

The trailing PE ratio is 8.93 and the forward PE ratio is 8.52.

PE Ratio 8.93
Forward PE 8.52
PS Ratio 4.11
Forward PS 3.58
PB Ratio 1.50
P/TBV Ratio 1.46
P/FCF Ratio n/a
P/OCF Ratio n/a
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 9.69
EV / Sales 4.29
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 17.46%.

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 Count228
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 +32.45% 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 +32.45%
50-Day Moving Average 50.22
200-Day Moving Average 46.53
Relative Strength Index (RSI) 51.21
Average Volume (20 Days) 47,647

Short Selling Information

The latest short interest is 68,686, so 0.68% of the outstanding shares have been sold short.

Short Interest 68,686
Short Previous Month 76,549
Short % of Shares Out 0.68%
Short % of Float 1.02%
Short Ratio (days to cover) 2.21

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.

Revenue121.97M
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 Statement

Balance Sheet

The company has $203.49 million in cash and $242.02 million in debt, giving a net cash position of -$38.53 million or -$3.84 per share.

Cash & Cash Equivalents 203.49M
Total Debt 242.02M
Net Cash -38.53M
Net Cash Per Share -$3.84
Equity (Book Value) 334.02M
Book Value Per Share 33.27
Working Capital -2.05B
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 58.52%
Pretax Margin 57.65%
Profit Margin 44.26%
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 1.28%.

Dividend Per Share $0.60
Dividend Yield 1.28%
Dividend Growth (YoY) 9.80%
Years of Dividend Growth 11
Payout Ratio 10.63%
Buyback Yield -0.34%
Shareholder Yield 0.86%
Earnings Yield 11.14%
FCF Yield n/a
Dividend Details

Analyst Forecast

The average price target for Unity Bancorp is $59.67, which is 25.52% higher than the current price. The consensus rating is "Buy".

Price Target $59.67
Price Target Difference 25.52%
Analyst Consensus Buy
Analyst Count 3
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

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