Unity Bancorp, Inc. UNTY
56.05
(1.01)
(1.77%)
as of 25 Sep
- Market cap
- $555.0M
- P/E
- 9.6×
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Growth Flags
show if company had growth for consecutive years
| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
11.14 | 16.34 | 10.18 | 10.35 | 7.98 | 7.61 | 7.32 | 7.43 | 10.56 | 8.96 |
P/S ratio |
2.54 | 3.34 | 2.92 | 2.87 | 2.05 | 2.82 | 2.58 | 1.94 | 2.66 | 2.75 |
P/FCF ratio |
98.57 | 15.19 | 5.93 | 7.08 | 8.06 | 8.73 | 6.82 | 6.42 | 9.25 | 11.70 |
P/Operating CF |
42.30 | 123.31 | 22.93 | 29.94 | (17.92) | 22.10 | 8.48 | 11.84 | 19.00 | 75.95 |
P/B ratio |
1.39 | 1.80 | 1.61 | 1.52 | 1.08 | 1.33 | 1.17 | 1.13 | 1.48 | 1.50 |
Price to Tangible BV |
1.41 | 1.82 | 1.63 | 1.54 | 1.09 | 1.34 | 1.18 | 1.13 | 1.49 | 1.51 |
EV/Sales |
2.97 | 5.46 | 3.90 | 4.46 | 1.95 | 0.81 | 5.14 | 3.08 | 2.97 | 3.02 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
19.66 | 24.03 | 7.71 | 11.45 | 8.02 | 2.42 | 13.11 | 9.95 | 10.17 | 12.66 |
EV/FCF |
115.57 | 24.85 | 7.93 | 10.99 | 7.67 | 2.51 | 13.58 | 10.16 | 10.31 | 12.82 |
Quick Ratio |
0.11 | 0.14 | 0.12 | 0.12 | 0.14 | 0.14 | 0.06 | 0.10 | 0.08 | 0.09 |
Current Ratio |
1.12 | 1.25 | 1.18 | 1.24 | 1.17 | 1.06 | 1.22 | 1.21 | 1.14 | 1.16 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
11.04% | 19.60% | 13.95% | 17.06% | 10.74% | 2.47% | 16.09% | 14.22% | 8.70% | 8.97% |
Debt/Equity |
1.24 | 2.42 | 1.59 | 1.83 | 1.21 | 0.24 | 1.64 | 1.40 | 0.78 | 0.77 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.06 | 0.06 | 0.07 |
Operating CF/Net income |
0.67 | 1.12 | 1.76 | 1.40 | 0.94 | 0.90 | 1.11 | 1.18 | 1.16 | 0.77 |
Capex/Depreciation |
(6.75) | (0.31) | (0.49) | 0.76 | 0.47 | (0.69) | (0.54) | (0.45) | (0.30) | (0.21) |
| 14.30% | 11.49% | 17.08% | 15.81% | 14.13% | 19.03% | 17.29% | 15.86% | 14.88% | 18.08% | |
| 1.16% | 0.97% | 1.44% | 1.43% | 1.29% | 1.81% | 1.72% | 1.58% | 1.58% | 2.06% | |
ROIC |
9.71% | 5.54% | 8.00% | 6.40% | 11.79% | 268.08% | 6.21% | 7.64% | 9.83% | 11.94% |
Return on Tangible Assets |
9.28% | 4.54% | 8.98% | 7.16% | 8.44% | 29.18% | 9.22% | 9.37% | 13.03% | 14.31% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
49.67% | 49.85% | 46.49% | 43.22% | 50.36% | 42.30% | 42.96% | 33.07% | 32.09% | 29.88% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.94% | 1.17% | 1.38% | 1.49% | 1.54% | 1.67% | 1.55% | 1.15% | 1.11% | 1.11% |
Graham Net Nets |
(0.08) | (0.12) | 0.00 | 0.07 | 0.26 | 0.20 | 0.01 | 0.13 | 0.16 | 0.23 |
Graham Number |
18.89 | 17.59 | 24.34 | 26.96 | 28.35 | 39.18 | 43.24 | 47.35 | 52.33 | 66.88 |
Earnings Yield |
8.98% | 6.12% | 9.83% | 9.66% | 12.54% | 13.14% | 13.66% | 13.46% | 9.47% | 11.16% |
Free Cash Flow Yield |
1.01% | 6.58% | 16.85% | 14.13% | 12.41% | 11.45% | 14.67% | 15.58% | 10.81% | 8.55% |
Revenue per Share |
6.17 | 6.02 | 7.11 | 7.86 | 8.58 | 9.31 | 10.35 | 14.86 | 16.37 | 18.78 |
Operating CF per Share |
0.93 | 1.37 | 3.60 | 3.06 | 2.08 | 3.13 | 4.06 | 4.60 | 4.78 | 4.48 |
Capex per Share |
(0.77) | (0.04) | (0.10) | 0.13 | 0.09 | (0.12) | (0.14) | (0.09) | (0.07) | (0.06) |
Free Cash Flow per Share |
0.16 | 1.32 | 3.50 | 3.19 | 2.18 | 3.01 | 3.92 | 4.50 | 4.71 | 4.42 |
Cash per Share |
11.25 | 14.23 | 13.57 | 14.57 | 20.48 | 23.53 | 10.92 | 19.08 | 17.99 | 21.58 |
Shareholders Equity per Share |
11.29 | 11.19 | 12.91 | 14.82 | 16.24 | 19.78 | 22.77 | 25.61 | 29.47 | 34.45 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
11.29 | 11.19 | 12.91 | 14.82 | 16.24 | 19.78 | 22.77 | 25.61 | 29.47 | 34.45 |
Free Cash Flow |
1.50 | 13.97 | 37.52 | 34.59 | 23.33 | 31.28 | 41.19 | 45.95 | 47.29 | 44.34 |
Working Capital |
118.89 | 260.74 | 220.63 | 309.24 | 259.76 | 103.88 | 397.15 | 404.24 | 299.38 | 386.85 |
Capital Expenditures |
(7.29) | (0.47) | (1.07) | 1.38 | 1.01 | (1.25) | (1.48) | (0.95) | (0.69) | (0.56) |
Net Current Asset Value |
(12.42) | (24.57) | 0.32 | 15.93 | 49.45 | 53.57 | 3.84 | 37.49 | 68.56 | 120.77 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.13 | 0.01 | 0.01 | (0.02) | (0.01) | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 |
Net Profit Margin |
22.74% | 20.28% | 28.73% | 27.77% | 25.74% | 37.30% | 35.35% | 26.19% | 25.24% | 30.76% |
Price to Operating Income |
7.24 | 9.61 | 8.26 | 8.07 | 6.08 | 5.67 | 5.46 | 5.56 | 8.04 | 6.87 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.05 | 0.07 | 0.09 | 0.08 | 0.11 | 0.09 | 0.14 | 0.11 | 0.12 | 0.15 |
Cash ROIC |
(4.25%) | (1.63%) | 3.02% | 1.94% | 0.35% | 2.52% | 3.03% | 3.32% | 4.13% | 3.25% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.03 | 0.03 | 0.03 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
39,373.66 | 40,277.69 | 32,613.63 | 25,272.31 | 39,271.76 | 82,933.93 | 61,372.19 | 14,481.54 | 13,419.47 | 14,988.64 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
920.11 | 994.43 | 1,125.41 | 1,228.90 | 1,404.04 | 1,658.42 | 1,773.20 | 1,855.83 | 2,012.23 | 2,212.19 |
Average Assets |
1,137.39 | 1,322.70 | 1,517.33 | 1,649.05 | 1,838.93 | 1,996.31 | 2,239.33 | 2,511.73 | 2,616.26 | 2,810.33 |
Average Common Equity |
92.38 | 112.20 | 128.30 | 149.60 | 167.31 | 189.82 | 222.48 | 250.33 | 278.51 | 320.61 |
Columns are period end dates