Unity Bancorp Statistics
Total Valuation
Unity Bancorp has a market cap or net worth of $589.22 million. The enterprise value is $665.64 million.
| Market Cap | 589.22M |
| Enterprise Value | 665.64M |
Important Dates
The last earnings date was Tuesday, July 14, 2026, before market open.
| Earnings Date | Jul 14, 2026 |
| Ex-Dividend Date | Jun 4, 2026 |
Share Statistics
Unity Bancorp has 10.04 million shares outstanding. The number of shares has increased by 0.03% in one year.
| Current Share Class | 10.04M |
| Shares Outstanding | 10.04M |
| Shares Change (YoY) | +0.03% |
| Shares Change (QoQ) | +0.22% |
| Owned by Insiders (%) | 9.71% |
| Owned by Institutions (%) | 51.14% |
| Float | 7.29M |
Valuation Ratios
The trailing PE ratio is 10.20 and the forward PE ratio is 9.66. Unity Bancorp's PEG ratio is 1.90.
| PE Ratio | 10.20 |
| Forward PE | 9.66 |
| PS Ratio | 4.52 |
| Forward PS | 4.03 |
| PB Ratio | 1.59 |
| P/TBV Ratio | 1.59 |
| P/FCF Ratio | 14.29 |
| P/OCF Ratio | 14.04 |
| PEG Ratio | 1.90 |
Enterprise Valuation
| EV / Earnings | 11.35 |
| EV / Sales | 5.10 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 16.13 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 7.91 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 16.95%.
| Return on Equity (ROE) | 16.95% |
| Return on Assets (ROA) | 1.91% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 4.96% |
| Revenue Per Employee | $523,807 |
| Profits Per Employee | $235,430 |
| Employee Count | 249 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Unity Bancorp has paid $17.08 million in taxes.
| Income Tax | 17.08M |
| Effective Tax Rate | 22.56% |
Stock Price Statistics
The stock price has increased by +16.92% in the last 52 weeks. The beta is 0.63, so Unity Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.63 |
| 52-Week Price Change | +16.92% |
| 50-Day Moving Average | 56.47 |
| 200-Day Moving Average | 53.01 |
| Relative Strength Index (RSI) | 57.08 |
| Average Volume (20 Days) | 69,111 |
Short Selling Information
The latest short interest is 113,989, so 1.14% of the outstanding shares have been sold short.
| Short Interest | 113,989 |
| Short Previous Month | 126,954 |
| Short % of Shares Out | 1.14% |
| Short % of Float | 1.56% |
| Short Ratio (days to cover) | 1.75 |
Income Statement
In the last 12 months, Unity Bancorp had revenue of $130.43 million and earned $58.62 million in profits. Earnings per share was $5.75.
| Revenue | 130.43M |
| Gross Profit | 130.43M |
| Operating Income | 76.92M |
| Pretax Income | 75.70M |
| Net Income | 58.62M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $5.75 |
Balance Sheet
The company has $250.32 million in cash and $326.43 million in debt, with a net cash position of -$76.11 million or -$7.58 per share.
| Cash & Cash Equivalents | 250.32M |
| Total Debt | 326.43M |
| Net Cash | -76.11M |
| Net Cash Per Share | -$7.58 |
| Equity (Book Value) | 371.81M |
| Book Value Per Share | 37.02 |
| Working Capital | -2.14B |
Cash Flow
In the last 12 months, operating cash flow was $41.97 million and capital expenditures -$710,000, giving a free cash flow of $41.26 million.
| Operating Cash Flow | 41.97M |
| Capital Expenditures | -710,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | 4.98M |
| Free Cash Flow | 41.26M |
| FCF Per Share | $4.11 |
Margins
| Gross Margin | n/a |
| Operating Margin | 58.97% |
| Pretax Margin | 58.04% |
| Profit Margin | 44.95% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 31.17% |
Dividends & Yields
This stock pays an annual dividend of $0.64, which amounts to a dividend yield of 1.09%.
| Dividend Per Share | $0.64 |
| Dividend Yield | 1.09% |
| Dividend Growth (YoY) | 14.81% |
| Years of Dividend Growth | 12 |
| Payout Ratio | 10.78% |
| Buyback Yield | -0.03% |
| Shareholder Yield | 1.06% |
| Earnings Yield | 9.94% |
| FCF Yield | 7.00% |
Analyst Forecast
The average price target for Unity Bancorp is $68.55, which is 16.84% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $68.55 |
| Price Target Difference | 16.84% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (3Y) | 6.14% |
| EPS Growth Forecast (3Y) | 5.09% |
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 |