Unity Bancorp Statistics
Total Valuation
Unity Bancorp has a market cap or net worth of $529.97 million. The enterprise value is $584.64 million.
Important Dates
The next estimated earnings date is Tuesday, April 7, 2026, before market open.
| Earnings Date | Apr 7, 2026 |
| Ex-Dividend Date | Mar 6, 2026 |
Share Statistics
Unity Bancorp has 10.02 million shares outstanding. The number of shares has increased by 0.21% in one year.
| Current Share Class | 10.02M |
| Shares Outstanding | 10.02M |
| Shares Change (YoY) | +0.21% |
| Shares Change (QoQ) | -0.37% |
| Owned by Insiders (%) | 9.75% |
| Owned by Institutions (%) | 50.80% |
| Float | 7.26M |
Valuation Ratios
The trailing PE ratio is 9.33 and the forward PE ratio is 9.08.
| PE Ratio | 9.33 |
| Forward PE | 9.08 |
| PS Ratio | 4.14 |
| Forward PS | 3.71 |
| PB Ratio | 1.53 |
| P/TBV Ratio | 1.54 |
| P/FCF Ratio | 11.95 |
| P/OCF Ratio | 11.80 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 10.09 |
| EV / Sales | 4.57 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 13.18 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.11 |
| 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) | 5.18% |
| Revenue Per Employee | $521,922 |
| Profits Per Employee | $236,535 |
| Employee Count | 245 |
| 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 +27.80% 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 | +27.80% |
| 50-Day Moving Average | 52.58 |
| 200-Day Moving Average | 50.86 |
| Relative Strength Index (RSI) | 60.79 |
| Average Volume (20 Days) | 47,578 |
Short Selling Information
The latest short interest is 85,060, so 0.85% of the outstanding shares have been sold short.
| Short Interest | 85,060 |
| Short Previous Month | 68,370 |
| Short % of Shares Out | 0.85% |
| Short % of Float | 1.17% |
| Short Ratio (days to cover) | 2.09 |
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 |
Full Income StatementBalance Sheet
The company has $216.41 million in cash and $271.09 million in debt, with a net cash position of -$54.67 million or -$5.46 per share.
| Cash & Cash Equivalents | 216.41M |
| Total Debt | 271.09M |
| Net Cash | -54.67M |
| Net Cash Per Share | -$5.46 |
| Equity (Book Value) | 345.63M |
| Book Value Per Share | 34.63 |
| Working Capital | -2.26B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $44.91 million and capital expenditures -$564,000, giving a free cash flow of $44.34 million.
| Operating Cash Flow | 44.91M |
| Capital Expenditures | -564,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | 35.27M |
| Free Cash Flow | 44.34M |
| FCF Per Share | $4.43 |
Full Cash Flow StatementMargins
| 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 | 34.68% |
Dividends & Yields
This stock pays an annual dividend of $0.60, which amounts to a dividend yield of 1.13%.
| Dividend Per Share | $0.60 |
| Dividend Yield | 1.13% |
| Dividend Growth (YoY) | 13.21% |
| Years of Dividend Growth | 12 |
| Payout Ratio | 10.58% |
| Buyback Yield | -0.21% |
| Shareholder Yield | 0.93% |
| Earnings Yield | 10.93% |
| FCF Yield | 8.37% |
Dividend DetailsAnalyst Forecast
The average price target for Unity Bancorp is $65.00, which is 22.85% higher than the current price. The consensus rating is "Buy".
| Price Target | $65.00 |
| Price Target Difference | 22.85% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 |
