UNTY Stock Analysis: Unity Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 594m USD | 12M Return: 12.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.71M
EPS Trend: 91.2%
Qual. Beats: 0
Rev. Trend: 97.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Unity Bancorp, Inc. is a bank holding company that operates Unity Bank, providing commercial and retail banking services primarily to individuals and businesses. Its deposit offerings include checking, savings, money market, retirement, and time deposit accounts, while its lending portfolio spans commercial, small business administration (SBA), consumer, mortgage, and home equity loans, including owner- and non-owner-occupied commercial mortgages. The company is also active in residential construction, commercial, and industrial lending secured by assets such as real estate, receivables, inventory, and equipment.
Beyond core banking products, Unity Bancorp provides ancillary services including credit and debit cards, wire transfers, safe deposit boxes, ATMs, internet and mobile banking, automated clearing house (ACH) origination, and remote deposit capture. It also offers business services such as escrow accounts, merchant services, and online banking tools. As a U.S. regional bank holding company, it operates within a sector that typically focuses on local and community-based lending and deposit gathering, often serving small and middle-market businesses that are underserved by larger national banks.
The company was founded in 1991 and is headquartered in Clinton, New Jersey. It trades on the NASDAQ under the ticker UNTY and is classified within the Financials sector under the Regional Banks sub-industry.
- Net interest margin compression pressures profitability as Fed cuts rates
- Commercial real estate and construction loan growth drives earnings
- Deposit costs rise amid regional bank competition for funding
| Net Income: 60.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.44 > 1.0 |
| NWC/Revenue: -1.06k% < 20% (prev -1.12k%; Δ 58.38% < -1%) |
| CFO/TA 0.01 > 3% & CFO 42.0m > Net Income 60.6m |
| Net Debt (-80.2m) to EBITDA (81.7m): -0.98 < 3 |
| Current Ratio: 0.15 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.2m) vs 12m ago -0.47% < -2% |
| Gross Margin: 63.67% > 18% (prev 63.29%; Δ 0.39% > 0.5%) |
| Asset Turnover: 7.28% > 50% (prev 6.02%; Δ 1.26% > 0%) |
| Interest Coverage Ratio: 1.38 > 6 (EBIT TTM 79.3m / Interest Expense TTM 57.5m) |
| A: -0.74 (Total Current Assets 394.8m - Total Current Liabilities 2.63b) / Total Assets 3.03b |
| B: 0.08 (Retained Earnings 256.6m / Total Assets 3.03b) |
| C: 0.03 (EBIT TTM 79.3m / Avg Total Assets 2.90b) |
| D: 0.13 (Book Value of Equity 358.1m / Total Liabilities 2.67b) |
| Altman-Z'' = -4.24 = D |
| DSRI: 0.81 (Receivables 13.3m/13.0m, Revenue 211.1m/166.7m) |
| GMI: 0.99 (GM 63.29% / 63.67%) |
| AQI: 0.98 (AQ_t 0.86 / AQ_t-1 0.88) |
| SGI: 1.27 (Revenue 211.1m / 166.7m) |
| TATA: 0.01 (NI 60.6m - CFO 42.0m) / TA 3.03b) |
| Beneish M = -3.01 (Cap -4..+1) = AA |
As of July 05, 2026, the stock is trading at USD 58.12 with a total of 49,200 shares traded. Over the past week, the price has changed by +0.31%, over one month by +10.49%, over three months by +8.84% and over the past year by +12.54%.
Current recommended Stop Loss: 55.50 (which is 4.5% or 1.7 ATR below the current price).
Unity Bancorp has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy UNTY.
- StrongBuy: 1
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 65.5 | 12.7% |
P/E Trailing = 9.9663
P/E Forward = 8.3893
P/S = 4.4511
P/B = 1.6451
P/EG = 0.991
Revenue TTM = 211.1m USD
EBIT TTM = 79.3m USD
EBITDA TTM = 81.7m USD
Long Term Debt = 258.6m USD (from longTermDebt, last quarter)
Short Term Debt = 248.3m USD (from shortTermDebt, last quarter)
Debt = 264.2m USD (from shortLongTermDebtTotal, last quarter) + Leases 5.60m
Net Debt = -80.2m USD (calculated: Debt 264.2m - CCE 344.4m)
Enterprise Value = 514.2m USD (594.4m + Debt 264.2m - CCE 344.4m)
Interest Coverage Ratio = 1.38 (Ebit TTM 79.3m / Interest Expense TTM 57.5m)
EV/FCF = 12.73x (Enterprise Value 514.2m / FCF TTM 40.4m)
FCF Yield = 7.86% (FCF TTM 40.4m / Enterprise Value 514.2m)
FCF Margin = 19.14% (FCF TTM 40.4m / Revenue TTM 211.1m)
Net Margin = 28.73% (Net Income TTM 60.6m / Revenue TTM 211.1m)
Gross Margin = 63.67% ((Revenue TTM 211.1m - Cost of Revenue TTM 76.7m) / Revenue TTM)
Gross Margin QoQ = 67.75% (prev 70.87%)
Tobins Q-Ratio = 0.17 (Enterprise Value 514.2m / Total Assets 3.03b)
Interest Expense / Debt = 21.76% (Interest Expense 57.5m / Debt 264.2m)
Taxrate = 22.82% (17.9m / 78.6m)
NOPAT = 61.2m (EBIT 79.3m * (1 - 22.82%))
Current Ratio = 0.15 (Total Current Assets 394.8m / Total Current Liabilities 2.63b)
Debt / Equity = 0.74 (Debt 264.2m / totalStockholderEquity, last quarter 358.1m)
Debt / EBITDA = -0.98 (Net Debt -80.2m / EBITDA 81.7m)
Debt / FCF = -1.99 (Net Debt -80.2m / FCF TTM 40.4m)
Total Stockholder Equity = 339.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.09% (Net Income 60.6m / Total Assets 3.03b)
RoE = 17.87% (Net Income TTM 60.6m / Total Stockholder Equity 339.4m)
RoCE = 13.27% (EBIT 79.3m / Capital Employed (Equity 339.4m + L.T.Debt 258.6m))
RoIC = 9.64% (NOPAT 61.2m / Invested Capital 635.3m)
WACC = 10.71% (E(594.4m)/V(858.6m) * Re(8.0%) + D(264.2m)/V(858.6m) * Rd(21.76%) * (1-Tc(0.23)))
Discount Rate = 8.0% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -6.67 | Cagr: -0.04%
[DCF] Terminal Value 64.84% ; FCFF base≈43.9m ; Y1≈38.5m ; Y5≈31.1m
[DCF] Fair Price = 43.89 (EV 360.5m - Net Debt -80.2m = Equity 440.7m / Shares 10.0m; r=10.71% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 91.15 | EPS CAGR: 19.10% | SUE: 0.15 | # QB: 0
Revenue Correlation: 97.24 | Revenue CAGR: 17.02% | SUE: 0.73 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.44 | Chg30d=+0.00% | Revisions=-25% | Analysts=4
EPS next Quarter (2026-09-30): EPS=1.48 | Chg30d=+0.00% | Revisions=-25% | Analysts=4
EPS current Year (2026-12-31): EPS=5.83 | Chg30d=-0.04% | Revisions=-25% | GrowthEPS=+2.9% | GrowthRev=+6.6%
EPS next Year (2027-12-31): EPS=6.33 | Chg30d=+0.00% | Revisions=-25% | GrowthEPS=+8.4% | GrowthRev=+9.3%
[Analyst] Revisions Ratio: -57% (up=0, down=4)