Unity Bancorp, Inc. UNTY
- Market cap
- $555.0M
- P/E
- 9.6×
Follow UNTY
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 8.75 | 15.35 | 18.24 | 16.74 | 8.76 | 17.20 | 24.80 | 20.01 | 25.33 | 36.65 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
||
| 17.10 | 20.95 | 25.50 | 24.70 | 23.75 | 28.91 | 31.37 | 29.88 | 48.44 | 57.24 |
High Price
|
|||
| 194 | 208 | 207 | 209 | 210 | 214 | 232 | 237 | 228 | 245 |
Employees
|
|||
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
Revenue/Emp
|
|||
| 58 | 64 | 76 | 85 | 92 | 97 | 109 | 152 | 164 | 188 |
Revenue
|
|||
| 84.91% | 85.13% | 82.28% | 78.81% | 84.24% | 92.01% | 90.23% | 68.02% | 65.21% | 69.96% |
Gross Margin
|
|||
| 20 | 22 | 27 | 30 | 31 | 48 | 51 | 53 | 54 | 76 |
EBT
|
|||
| 35.24% | 35.28% | 35.79% | 35.59% | 33.88% | 49.70% | 47.27% | 34.95% | 33.12% | 40.08% |
EBT Margin
|
|||
| 13 | 13 | 22 | 24 | 24 | 36 | 38 | 40 | 41 | 58 |
Net Income
|
|||
| 1 | 2 | 2 | 2 | 2 | 2 | 3 | 2 | 2 | 3 |
Depreciation
|
|||
| 6.17 | 6.02 | 7.11 | 7.86 | 8.58 | 9.31 | 10.35 | 14.86 | 16.37 | 18.78 |
Revenue/Sh
|
|||
| 1.40 | 1.22 | 2.04 | 2.18 | 2.19 | 3.43 | 3.66 | 3.89 | 4.13 | 5.78 |
Earnings/Sh
|
|||
| 0.93 | 1.37 | 3.60 | 3.06 | 2.08 | 3.13 | 4.06 | 4.60 | 4.78 | 4.48 |
Cash Flow/Sh
|
|||
| (0.77) | (0.04) | (0.10) | 0.13 | 0.09 | (0.12) | (0.14) | (0.09) | (0.07) | (0.06) |
Capex/Sh
|
|||
| 0.16 | 1.32 | 3.50 | 3.19 | 2.18 | 3.01 | 3.92 | 4.50 | 4.71 | 4.42 |
Free CF/Sh
|
|||
| 11.29 | 11.19 | 12.91 | 14.82 | 16.24 | 19.78 | 22.77 | 25.61 | 29.47 | 34.45 |
Book Value/Sh
|
|||
| 9 | 11 | 11 | 11 | 11 | 10 | 11 | 10 | 10 | 10 |
Shares
|
|||
| 11.14 | 16.34 | 10.18 | 10.35 | 7.98 | 7.61 | 7.32 | 7.43 | 10.56 | 8.96 |
PE Ratio
|
|||
| 2.54 | 3.34 | 2.92 | 2.87 | 2.05 | 2.82 | 2.58 | 1.94 | 2.66 | 2.75 |
PS Ratio
|
|||
| 1.39 | 1.80 | 1.61 | 1.52 | 1.08 | 1.33 | 1.17 | 1.13 | 1.48 | 1.50 |
PB Ratio
|
|||
| 2.97 | 5.46 | 3.90 | 4.46 | 1.95 | 0.81 | 5.14 | 3.08 | 2.97 | 3.02 |
EV/Sales
|
|||
| 115.57 | 24.85 | 7.93 | 10.99 | 7.67 | 2.51 | 13.58 | 10.16 | 10.31 | 12.82 |
EV/FCF
|
|||
| 9 | 14 | 39 | 33 | 22 | 33 | 43 | 47 | 48 | 45 |
Op' Cash Flow
|
|||
| (7) | 0 | (1) | 1 | 1 | (1) | (1) | (1) | (1) | (1) |
Capex
|
|||
| 1 | 14 | 38 | 35 | 23 | 31 | 41 | 46 | 47 | 44 |
FCF
|
|||
| 119 | 261 | 221 | 309 | 260 | 104 | 397 | 404 | 299 | 387 |
Working Cap'
|
|||
| 131 | 285 | 220 | 293 | 210 | 50 | 393 | 367 | 231 | 266 |
Total Debt
|
|||
| 25 | 135 | 75 | 135 | (9) | (195) | 279 | 172 | 50 | 50 |
Net Debt
|
|||
| 106 | 118 | 138 | 161 | 174 | 206 | 239 | 261 | 296 | 346 |
Sh' Equity
|
|||
| 1.16% | 0.97% | 1.44% | 1.43% | 1.29% | 1.81% | 1.72% | 1.58% | 1.58% | 2.06% |
ROA
|
|||
| 9.71% | 5.54% | 8.00% | 6.40% | 11.79% | 268.08% | 6.21% | 7.64% | 9.83% | 11.94% |
ROIC
|
|||
| 14.30% | 11.49% | 17.08% | 15.81% | 14.13% | 19.03% | 17.29% | 15.86% | 14.88% | 18.08% |
ROE
|
|||
Unity Bancorp, Inc. peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| NRIM Northrim BanCorp Inc | $544.4M | 8.1× | Compare |
| SUPV Grupo Supervielle S.A. | $568.4M | 0.0× | Compare |
| CIVB Civista Bancshares, Inc. | $568.8M | 10.0× | Compare |
| SFST Southern First Bancshares, Inc. | $569.8M | 12.8× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| BWB Bridgewater Bancshares, Inc. | $576.6M | 11.0× | Compare |
| HBCP Home Bancorp, Inc. | $533.0M | 11.2× | Compare |
| NPB Northpointe Bancshares, Inc. | $530.8M | 6.5× | Compare |
| BSVN Bank7 Corp. | $526.7M | 12.6× | Compare |
Unity Bancorp, Inc. (UNTY) key facts
- Unity Bancorp, Inc. (UNTY) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- Unity Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $188.4 million, up 14.7% from fiscal 2024.
- Net income was $58.0 million, or $5.78 per share (basic), a net margin of 30.8%.
- As of September 25, 2026, UNTY traded at $56.05, a market capitalization of $555.0 million.
- At that price the stock trades at 9.6× trailing-twelve-month earnings and 2.9× sales.
- Unity Bancorp, Inc. pays an annual dividend of $0.48 per share, a yield of 1.82%, with a payout ratio of 12.2%.
- Return on equity was 18.1% and debt-to-equity 0.88.
Unity Bancorp, Inc. (UNTY) Latest News
23 Sep
Unity Bancorp, Inc. and Unity Bank announced that CEO James A. Hughes will retire on March 31, 2027 after 26 years, remaining on the boards. George Boyan, currently President, will become Chief Executive Officer on April 1, 2027 and will continue as President. The move is a deliberate, multi-year succession plan approved by the boards. Boyan has led key growth initiatives and helped expand the bank's footprint and performance. Under Hughes, Unity grew assets from about $356 million to $3.2 billion, expanded to 22 branches in New Jersey and Pennsylvania, increased book value per share more than 8.5x, delivered about 17% annual shareholder returns, and grew market capitalization from roughly $7.4 million to over $575 million. The leadership transition emphasizes continuity of Unity's relationship-based community banking model. An orderly internal succession with continuity on the boards supports ongoing growth and stability.
14 Jul
Unity Bancorp missed Q2 earnings and revenue estimates. Quarterly earnings and revenue misses typically trigger short-term stock pressure and sentiment shifts without altering long-term fundamentals.
Unity Bancorp reported quarterly earnings of $14.5 million. Standard quarterly earnings release typically drives moderate short-term share price reaction without shifting long-term fundamentals.
14 Apr
Unity Bancorp (UNTY) surpassed Q1 earnings and revenue estimates. Surpassing Q1 earnings and revenue estimates demonstrates strong financial performance, likely enhancing investor sentiment and stock trajectory.
Unity Bancorp, Inc. (UNTY) reported quarterly earnings of $14.3 million. Strong quarterly earnings directly enhance financial performance and investor sentiment, significantly impacting future market trajectory.
26 Feb
Unity Bancorp, Inc. (UNTY) announced a 7% increase in its first quarter dividend to $0.12 per share, payable on March 22 to shareholders of record on March 8. 7% dividend hike signals financial confidence and positively influences investor sentiment and stock performance without fundamentally altering long-term trajectory.
10 Feb
Unity Bancorp, Inc. (UNTY) is being evaluated for its potential inclusion on investor watchlists due to its recent performance and market position. Analysts are considering various factors, including financial metrics and competitive landscape, to determine if the stock is a viable investment opportunity. The article highlights the importance of monitoring the company's developments and market trends that could influence its future trajectory. Moderate influence is expected due to the company's financial performance and market positioning.
30 Jan
Piper Sandler has identified Unity Bank as a top investment idea for 2026, highlighting its strong financial performance and growth potential. The firm believes Unity Bancorp, Inc. (UNTY) is well-positioned to capitalize on market opportunities, making it an attractive choice for investors looking for solid bank investments in the coming years. Piper Sandler's endorsement as a top investment idea indicates significant potential for Unity Bancorp's future performance and market perception.
14 Jan
Unity Bancorp, Inc. (UNTY) is highlighted as a promising stock in a market featuring undiscovered gems. The article emphasizes the company's strong fundamentals, growth potential, and strategic positioning within the financial sector. Analysts suggest that UNTY's performance could benefit from favorable market conditions and its ability to adapt to changing economic landscapes, making it an attractive investment opportunity for those seeking undervalued stocks. Unity Bancorp's growth potential and strategic positioning may moderately influence its financial performance and market sentiment.
13 Jan
Unity Bancorp, Inc. reported its Q4 earnings, showcasing a solid financial performance with notable increases in net income and total assets. The bank's focus on strategic growth initiatives and efficient cost management contributed to its positive results. Additionally, Unity Bancorp highlighted its commitment to enhancing shareholder value through dividends and share repurchases. Overall, the earnings report reflects a strong position in the market and a positive outlook for future growth. The earnings report indicates significant financial growth and strategic initiatives that could enhance future performance and investor sentiment.
Unity Bancorp, Inc. reported quarterly earnings of $15.5 million and full-year earnings of $58.0 million, reflecting strong financial performance. The results indicate a positive trajectory for the company, showcasing its ability to generate substantial profits. Strong quarterly and annual earnings suggest significant positive momentum for future performance.
16 Dec
Unity Bancorp, Inc. (UNTY) is highlighted as a promising investment opportunity in December 2025, showcasing its strong financial performance and growth potential. The article emphasizes the bank's strategic initiatives, including expanding its service offerings and enhancing customer engagement. Analysts predict that these efforts will position Unity Bancorp favorably in the competitive landscape, attracting investor interest and potentially leading to increased market share. Overall, the bank's fundamentals and strategic direction suggest it could be a valuable addition to investment portfolios as market conditions evolve. Unity Bancorp's strategic initiatives and growth potential are expected to significantly influence its future performance and investor sentiment.
11 Dec
Unity Bancorp, Inc. (NASDAQ: UNTY) has delivered impressive returns of 233% to its investors over the past five years, reflecting strong financial performance and growth in the banking sector. The company's strategic initiatives and market positioning have contributed to this significant appreciation in stock value, attracting attention from both current and potential investors. The substantial return on investment indicates a significant positive shift in the company's market dynamics and investor sentiment.
20 Nov
Unity Bancorp, Inc. has announced several executive leadership promotions aimed at enhancing its strategic direction and operational efficiency. The promotions include key positions within the company, reflecting a commitment to fostering leadership talent and driving growth. These changes are expected to strengthen the bank's management team and support its future initiatives. Leadership promotions can moderately influence the company's operational effectiveness and strategic direction.
14 Nov
Unity Bancorp, Inc. (UNTY) is highlighted as one of three undervalued investment opportunities in the U.S. market. The article emphasizes the bank's strong financial performance, including consistent revenue growth and a solid balance sheet. Analysts suggest that Unity's strategic initiatives and market positioning could lead to significant appreciation in stock value. The overall sentiment is optimistic, indicating that investors may benefit from considering this lesser-known bank as part of their portfolio. Unity Bancorp's strong financial performance and strategic initiatives are likely to significantly impact its future market position.
14 Oct
Unity Bancorp, Inc. (UNTY) reported a remarkable net profit margin of 44.3%, highlighting its strong financial performance and reinforcing positive narratives within the community. This impressive margin reflects the bank's effective management and operational efficiency, positioning it favorably in the competitive landscape. A 44.3% net profit margin indicates significant operational success that could enhance investor sentiment and market positioning.
Unity Bancorp, Inc. (UNTY) reported Q3 earnings and revenues that exceeded analysts' estimates, showcasing strong financial performance. The bank's net income rose significantly compared to the previous year, driven by increased interest income and improved asset quality. Management highlighted strategic initiatives aimed at enhancing operational efficiency and expanding market presence. Overall, the results reflect a positive outlook for the company amidst a competitive banking environment. Strong earnings performance and strategic initiatives indicate significant potential for future growth and market positioning.
Unity Bancorp, Inc. reported its Q3 earnings, showcasing a solid performance with notable increases in net income and total assets compared to the previous year. The bank's focus on strategic growth initiatives and effective cost management contributed to its positive financial results. Additionally, Unity Bancorp highlighted improvements in loan and deposit growth, reflecting its strong market position. Overall, the earnings report indicates a robust financial health and a promising outlook for the company. Significant improvements in net income and asset growth indicate a strong strategic position and potential for future performance.
Unity Bancorp, Inc. reported quarterly earnings of $14.4 million, reflecting a strong performance driven by increased net interest income and improved asset quality. The bank's total assets grew to $1.5 billion, with a notable rise in loans and deposits. Management highlighted strategic initiatives aimed at enhancing operational efficiency and customer service. The positive earnings report indicates a solid financial position and potential for future growth. Strong quarterly earnings and growth in assets suggest significant positive momentum for the company's future performance.
Unity Bancorp, Inc. (UNTY) reported its Q3 earnings, highlighting key financial metrics that reflect the company's performance during the quarter. The results indicate growth in net income and improvements in asset quality, alongside a stable loan portfolio. Management provided insights into strategic initiatives aimed at enhancing operational efficiency and customer service. Overall, the earnings report suggests a positive outlook for the bank's future performance. The earnings report shows moderate growth and strategic initiatives that may influence financial performance but are not expected to drastically change the company's trajectory.
10 Oct
Unity Bancorp, Inc. (UNTY) is highlighted as a small-cap stock with significant growth potential, driven by its strong financial performance, strategic initiatives, and favorable market conditions. The company has shown resilience and adaptability, positioning itself well within the competitive landscape. Analysts suggest that its undervaluation presents an opportunity for investors seeking hidden gems in the market. Unity Bancorp's strong financial performance and strategic initiatives are likely to significantly impact its future trajectory and investor sentiment.
3 Oct
Unity Bancorp, Inc. (UNTY) is expected to see earnings growth, driven by strong financial performance and strategic initiatives. Analysts are optimistic about the company's ability to capitalize on market opportunities, which may enhance investor sentiment. The anticipated growth could position Unity Bancorp favorably in the competitive landscape, making it a potential buy for investors looking for growth in the banking sector. Earnings growth expectations and strategic initiatives are likely to significantly impact Unity Bancorp's future performance and investor sentiment.
22 Sep
Unity Bancorp, Inc. (NASDAQ:UNTY) has garnered attention from institutional investors, who collectively own 46% of the company. This significant ownership stake indicates a strong interest in Unity's potential and may influence its market performance moving forward. Institutional ownership at 46% suggests a moderately noticeable influence on Unity's market sentiment and financial performance.
26 Aug
Unity Bancorp, Inc. (UNTY) is highlighted as a potential investment opportunity amid a broader analysis of hidden opportunities in U.S. stocks. The article emphasizes the bank's strong fundamentals, including solid financial performance and growth potential, positioning it favorably in the current market landscape. Investors are encouraged to consider UNTY as part of a diversified portfolio, particularly in light of recent market fluctuations and economic conditions that may favor smaller banks. Unity Bancorp's strong fundamentals and growth potential may moderately influence its financial performance and market positioning.
22 Aug
Unity Bancorp, Inc. (UNTY) is highlighted among four bank stocks that have announced dividend hikes this week, indicating a positive trend in shareholder returns and financial health. The article emphasizes the importance of monitoring these developments as they may reflect the banks' confidence in their future performance and stability. Dividend hikes suggest a moderately positive outlook for financial performance and investor sentiment.
21 Aug
Unity Bancorp, Inc. (UNTY) has announced a 7% increase in its third quarter dividend, raising it to $0.15 per share. This decision reflects the company's strong financial performance and commitment to returning value to shareholders. The dividend will be payable on November 15, 2023, to shareholders of record as of November 1, 2023. The dividend increase indicates solid financial health but is not expected to drastically change the company's overall trajectory.
13 Aug
Unity Bancorp, Inc. has demonstrated strong earnings growth, surpassing expectations in a recent stock scan. The company's financial performance indicates a solid trajectory, reflecting effective management and strategic initiatives that position it favorably in the market. Investors may find this growth appealing as it suggests a robust operational framework and potential for continued success. Strong earnings growth signals significant potential for future performance and investor sentiment.
17 Jul
Unity Bancorp, Inc. reported its second quarter 2025 earnings, surpassing analysts' expectations. The financial results showcased strong performance metrics, including increased revenue and improved net income. The bank's strategic initiatives and operational efficiencies contributed to this positive outcome, reflecting its robust market position. Investors reacted favorably to the news, indicating confidence in the company's future prospects. Earnings that exceed expectations can significantly influence investor sentiment and the company's market trajectory.
15 Jul
Unity Bancorp (UNTY) reported Q2 earnings of $1.2 per share, exceeding estimates of $1.17 and up from $0.93 a year ago, marking a 2.56% earnings surprise. Revenues reached $34.37 million, surpassing expectations by 13.93% and increasing from $25.46 million year-over-year. The company has consistently beaten earnings and revenue estimates over the past four quarters. Despite a strong performance this year, Unity Bancorp holds a Zacks Rank #4 (Sell) due to unfavorable earnings estimate revisions. The current consensus EPS estimate for the next quarter is $1.24, with $31.31 million in revenues. The Banks - Northeast industry ranks in the top 33% of Zacks industries, which may influence stock performance. Earnings and revenue beats indicate solid performance, but unfavorable estimate revisions suggest limited future growth potential.
Unity Bancorp Inc. (UNTY) reported a net income of $16.5 million for its second quarter, translating to earnings of $1.61 per share. Adjusted earnings, excluding non-recurring gains, were $1.20 per share. The bank's revenue for the period was $48.4 million, with net revenue after interest expense reaching $34.4 million, surpassing analysts' expectations. The reported earnings and revenue exceeding forecasts indicate a moderately noticeable influence on financial performance.