Unity Bancorp Statistics
Total Valuation
Unity Bancorp has a market cap or net worth of $585.35 million. The enterprise value is $616.62 million.
| Market Cap | 585.35M |
| Enterprise Value | 616.62M |
Important Dates
The last earnings date was Tuesday, October 13, 2026, before market open.
| Earnings Date | Oct 13, 2026 |
| Ex-Dividend Date | Sep 3, 2026 |
Share Statistics
Unity Bancorp has 10.07 million shares outstanding. The number of shares has decreased by -0.17% in one year.
| Current Share Class | 10.07M |
| Shares Outstanding | 10.07M |
| Shares Change (YoY) | -0.17% |
| Shares Change (QoQ) | +0.12% |
| Owned by Insiders (%) | 9.26% |
| Owned by Institutions (%) | 54.71% |
| Float | 7.36M |
Valuation Ratios
The trailing PE ratio is 9.63 and the forward PE ratio is 9.29. Unity Bancorp's PEG ratio is 1.33.
| PE Ratio | 9.63 |
| Forward PE | 9.29 |
| PS Ratio | 4.36 |
| Forward PS | 3.83 |
| PB Ratio | 1.51 |
| P/TBV Ratio | 1.51 |
| P/FCF Ratio | 21.57 |
| P/OCF Ratio | 21.09 |
| PEG Ratio | 1.33 |
Enterprise Valuation
| EV / Earnings | 9.97 |
| EV / Sales | 4.59 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 22.72 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.67 |
| Debt / EBITDA | n/a |
| Debt / FCF | 9.67 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 17.05%.
| Return on Equity (ROE) | 17.05% |
| Return on Assets (ROA) | 2.01% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.42% |
| Revenue Per Employee | $559,628 |
| Profits Per Employee | $257,757 |
| Employee Count | 239 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Unity Bancorp has paid $15.23 million in taxes.
| Income Tax | 15.23M |
| Effective Tax Rate | 19.82% |
Stock Price Statistics
The stock price has increased by +19.61% in the last 52 weeks. The beta is 0.65, so Unity Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.65 |
| 52-Week Price Change | +19.61% |
| 50-Day Moving Average | 57.53 |
| 200-Day Moving Average | 55.37 |
| Relative Strength Index (RSI) | 57.86 |
| Average Volume (20 Days) | 49,943 |
Short Selling Information
The latest short interest is 217,653, so 2.16% of the outstanding shares have been sold short.
| Short Interest | 217,653 |
| Short Previous Month | 162,095 |
| Short % of Shares Out | 2.16% |
| Short % of Float | 2.96% |
| Short Ratio (days to cover) | 3.73 |
Income Statement
In the last 12 months, Unity Bancorp had revenue of $133.75 million and earned $61.60 million in profits. Earnings per share was $6.04.
| Revenue | 133.75M |
| Gross Profit | 133.75M |
| Operating Income | 78.06M |
| Pretax Income | 76.83M |
| Net Income | 61.60M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $6.04 |
Balance Sheet
The company has $230.14 million in cash and $261.41 million in debt, with a net cash position of -$31.27 million or -$3.11 per share.
| Cash & Cash Equivalents | 230.14M |
| Total Debt | 261.41M |
| Net Cash | -31.27M |
| Net Cash Per Share | -$3.11 |
| Equity (Book Value) | 388.47M |
| Book Value Per Share | 38.58 |
| Working Capital | -2.29B |
Cash Flow
In the last 12 months, operating cash flow was $27.64 million and capital expenditures -$617,000, giving a free cash flow of $27.03 million.
| Operating Cash Flow | 27.64M |
| Capital Expenditures | -617,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | -60.98M |
| Free Cash Flow | 27.03M |
| FCF Per Share | $2.68 |
Margins
| Gross Margin | n/a |
| Operating Margin | 58.37% |
| Pretax Margin | 57.45% |
| Profit Margin | 46.06% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 20.72% |
Dividends & Yields
This stock pays an annual dividend of $0.68, which amounts to a dividend yield of 1.17%.
| Dividend Per Share | $0.68 |
| Dividend Yield | 1.17% |
| Dividend Growth (YoY) | 14.29% |
| Years of Dividend Growth | 12 |
| Payout Ratio | 10.60% |
| FCF Payout Ratio | 23.84% |
| Buyback Yield | 0.17% |
| Shareholder Yield | 1.34% |
| Earnings Yield | 10.39% |
| FCF Yield | 4.64% |
Analyst Forecast
The average price target for Unity Bancorp is $68.60, which is 17.99% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $68.60 |
| Price Target Difference | 17.99% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (3Y) | 8.58% |
| EPS Growth Forecast (3Y) | 5.76% |
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 | 3 |