Unity Bancorp Statistics
Total Valuation
Unity Bancorp has a market cap or net worth of $556.27 million. The enterprise value is $590.06 million.
Important Dates
The next estimated earnings date is 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 0.16% in one year.
| Current Share Class | 10.04M |
| Shares Outstanding | 10.04M |
| Shares Change (YoY) | +0.16% |
| Shares Change (QoQ) | +0.04% |
| Owned by Insiders (%) | 9.71% |
| Owned by Institutions (%) | 50.78% |
| Float | 7.29M |
Valuation Ratios
The trailing PE ratio is 9.37 and the forward PE ratio is 9.41.
| PE Ratio | 9.37 |
| Forward PE | 9.41 |
| PS Ratio | 4.20 |
| Forward PS | 3.80 |
| PB Ratio | 1.55 |
| P/TBV Ratio | 1.56 |
| P/FCF Ratio | 13.49 |
| P/OCF Ratio | 13.26 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 9.73 |
| EV / Sales | 4.46 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 14.30 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.37 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 18.26%.
| Return on Equity (ROE) | 18.26% |
| Return on Assets (ROA) | 2.09% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.17% |
| Revenue Per Employee | $540,384 |
| Profits Per Employee | $247,514 |
| Employee Count | 245 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Unity Bancorp has paid $17.93 million in taxes.
| Income Tax | 17.93M |
| Effective Tax Rate | 22.82% |
Stock Price Statistics
| Beta (5Y) | 0.61 |
| 52-Week Price Change | n/a |
| 50-Day Moving Average | 53.00 |
| 200-Day Moving Average | 51.65 |
| Relative Strength Index (RSI) | 60.50 |
| Average Volume (20 Days) | 34,321 |
Short Selling Information
The latest short interest is 76,827, so 0.77% of the outstanding shares have been sold short.
| Short Interest | 76,827 |
| Short Previous Month | 70,811 |
| Short % of Shares Out | 0.77% |
| Short % of Float | 1.05% |
| Short Ratio (days to cover) | 1.36 |
Income Statement
In the last 12 months, Unity Bancorp had revenue of $132.39 million and earned $60.64 million in profits. Earnings per share was $5.94.
| Revenue | 132.39M |
| Gross Profit | 132.39M |
| Operating Income | 79.81M |
| Pretax Income | 78.58M |
| Net Income | 60.64M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $5.94 |
Full Income StatementBalance Sheet
The company has $229.42 million in cash and $263.01 million in debt, with a net cash position of -$33.59 million or -$3.35 per share.
| Cash & Cash Equivalents | 229.42M |
| Total Debt | 263.01M |
| Net Cash | -33.59M |
| Net Cash Per Share | -$3.35 |
| Equity (Book Value) | 358.10M |
| Book Value Per Share | 35.66 |
| Working Capital | -2.29B |
Full Balance SheetCash 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 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 60.28% |
| Pretax Margin | 59.35% |
| Profit Margin | 45.80% |
| 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 1.15%.
| Dividend Per Share | $0.64 |
| Dividend Yield | 1.15% |
| Dividend Growth (YoY) | 14.81% |
| Years of Dividend Growth | 12 |
| Payout Ratio | 10.44% |
| Buyback Yield | -0.16% |
| Shareholder Yield | 1.00% |
| Earnings Yield | 10.90% |
| FCF Yield | 7.42% |
Dividend DetailsAnalyst Forecast
The average price target for Unity Bancorp is $64.75, which is 16.88% higher than the current price. The consensus rating is "Buy".
| Price Target | $64.75 |
| Price Target Difference | 16.88% |
| Analyst Consensus | Buy |
| Analyst Count | 4 |
| 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 |
