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