Unity Bancorp, Inc. (UNTY)

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 Cap	477.33M
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

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 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 +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.

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

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

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	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

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

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