Overview Dividends

(UNTY) Unity Bancorp - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US9132901029

Checking, Savings, Loans, Mortgages, Cards

UNTY EPS (Earnings per Share)

EPS Growth (3Y CAGR): 16.34%
EPS Trend (3Y Correlation): 80.9%

UNTY Revenue

Revenue Growth (3Y CAGR): 27.78%
Revenue Trend (3Y Correlation): 89.2%

Description: UNTY Unity Bancorp October 24, 2025

Unity Bancorp, Inc. (NASDAQ: UNTY) is a bank holding company for Unity Bank, a community-focused institution headquartered in Clinton, New Jersey. It delivers a full suite of commercial and retail banking products, including checking, savings, money-market and retirement accounts, as well as a range of loan offerings such as SBA, consumer, mortgage, home-equity, and commercial real-estate financing secured by assets like receivables, inventory, and equipment.

As of Q2 2024, Unity Bank reported a loan portfolio of approximately $2.1 billion, up 5 % YoY, and total deposits of $2.4 billion, reflecting a 4 % increase driven by higher interest-bearing demand deposits. The bank’s net interest margin (NIM) stood at 3.45 %, marginally above the regional-bank average of 3.30 %, while its efficiency ratio improved to 58 %, indicating disciplined cost management.

The company’s performance is closely tied to macro-economic factors such as the Federal Reserve’s policy rate, which influences both loan pricing and deposit competition, and regional real-estate activity that underpins its commercial-mortgage and construction-loan segments. Additionally, the health of small-business credit demand in the Northeast corridor remains a key driver for future loan growth.

For a deeper, data-driven analysis of Unity Bancorp’s valuation and risk profile, you may find the research tools on ValueRay worth exploring.

UNTY Stock Overview

Market Cap in USD	486m
Sub-Industry	Regional Banks
IPO / Inception	1997-01-20

UNTY Stock Ratings

Growth Rating	78.6%
Fundamental	73.7%
Dividend Rating	61.0%
Return 12m vs S&P 500	5.48%
Analyst Rating	4.33 of 5

UNTY Dividends

Dividend Yield 12m	1.17%
Yield on Cost 5y	4.28%
Annual Growth 5y	12.91%
Payout Consistency	69.0%
Payout Ratio	8.8%

UNTY Growth Ratios

Growth Correlation 3m	-4.7%
Growth Correlation 12m	58.4%
Growth Correlation 5y	82.6%
CAGR 5y	21.65%
CAGR/Max DD 3y (Calmar Ratio)	0.77
CAGR/Mean DD 3y (Pain Ratio)	2.19
Sharpe Ratio 12m	-0.28
Alpha	10.14
Beta	0.728
Volatility	28.63%
Current Volume	24.1k
Average Volume 20d	39.8k
Stop Loss	46.1 (-4%)
Signal	0.31

Piotroski VR‑10 (Strict, 0-10) 2.0

Net Income (54.0m TTM) > 0 and > 6% of Revenue (6% = 11.9m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA -0.58pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -791.3% (prev -1080 %; Δ 288.7pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 33.2m <= Net Income 54.0m (YES >=105%, WARN >=100%)

Net Debt (33.4m) to EBITDA (72.1m) ratio: 0.46 <= 3.0 (WARN <= 3.5)

Current Ratio 0.07 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (10.2m) change vs 12m ago 0.82% (target <= -2.0% for YES)

Gross Margin 61.33% (prev 61.91%; Δ -0.57pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 7.19% (prev 6.12%; Δ 1.07pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.28 (EBITDA TTM 72.1m / Interest Expense TTM 55.9m) >= 6 (WARN >= 3)

Altman Z'' -2.95

(A) -0.55 = (Total Current Assets 116.2m - Total Current Liabilities 1.68b) / Total Assets 2.88b

(B) 0.09 = Retained Earnings (Balance) 265.5m / Total Assets 2.88b

(D) 0.15 = Book Value of Equity 369.5m / Total Liabilities 2.54b

Total Rating: -2.95 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 73.72

1. Piotroski 2.0pt = -3.0

2. FCF Yield 7.38% = 3.69

3. FCF Margin 16.28% = 4.07

4. Debt/Equity 0.72 = 2.25

5. Debt/Ebitda 0.46 = 2.34

6. ROIC - WACC (= 1.77)% = 2.21

7. RoE 17.20% = 1.43

8. Rev. Trend 89.18% = 6.69

9. EPS Trend 80.94% = 4.05

What is the price of UNTY shares?

As of October 25, 2025, the stock is trading at USD 48.04 with a total of 24,128 shares traded.
Over the past week, the price has changed by +0.78%, over one month by -5.00%, over three months by -6.56% and over the past year by +24.83%.

Is Unity Bancorp a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Unity Bancorp (NASDAQ:UNTY) is currently (October 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 73.72 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of UNTY is around 51.59 USD . This means that UNTY is currently overvalued and has a potential downside of 7.39%.

Is UNTY a buy, sell or hold?

Unity Bancorp has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy UNTY.

Strong Buy: 1
Buy: 2
Hold: 0
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the UNTY price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	59.7	24.2%
Analysts Target Price	59.7	24.2%
ValueRay Target Price	56.9	18.5%

UNTY Fundamental Data Overview October 24, 2025

Market Cap USD = 486.0m (486.0m USD * 1.0 USD.USD)
P/E Trailing = 9.1841
P/E Forward = 8.3893
P/S = 3.9845
P/B = 1.5001
Beta = 0.728
Revenue TTM = 198.1m USD
EBIT TTM = 71.3m USD
EBITDA TTM = 72.1m USD
Long Term Debt = 230.8m USD (from longTermDebt, last fiscal year)
Short Term Debt = 151.2m USD (from shortTermDebt, last fiscal year)
Debt = 242.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 33.4m USD (from netDebt column, last quarter)
Enterprise Value = 437.3m USD (486.0m + Debt 242.0m - CCE 290.7m)
Interest Coverage Ratio = 1.28 (Ebit TTM 71.3m / Interest Expense TTM 55.9m)
FCF Yield = 7.38% (FCF TTM 32.3m / Enterprise Value 437.3m)
FCF Margin = 16.28% (FCF TTM 32.3m / Revenue TTM 198.1m)
Net Margin = 27.25% (Net Income TTM 54.0m / Revenue TTM 198.1m)
Gross Margin = 61.33% ((Revenue TTM 198.1m - Cost of Revenue TTM 76.6m) / Revenue TTM)
Gross Margin QoQ = 51.20% (prev 68.31%)
Tobins Q-Ratio = 0.15 (Enterprise Value 437.3m / Total Assets 2.88b)
Interest Expense / Debt = 5.99% (Interest Expense 14.5m / Debt 242.0m)
Taxrate = 23.73% (4.48m / 18.9m)
NOPAT = 54.4m (EBIT 71.3m * (1 - 23.73%))
Current Ratio = 0.07 (Total Current Assets 116.2m / Total Current Liabilities 1.68b)
Debt / Equity = 0.72 (Debt 242.0m / totalStockholderEquity, last quarter 334.0m)
Debt / EBITDA = 0.46 (Net Debt 33.4m / EBITDA 72.1m)
Debt / FCF = 1.04 (Net Debt 33.4m / FCF TTM 32.3m)
Total Stockholder Equity = 313.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.88% (Net Income 54.0m / Total Assets 2.88b)
RoE = 17.20% (Net Income TTM 54.0m / Total Stockholder Equity 313.9m)
RoCE = 13.09% (EBIT 71.3m / Capital Employed (Equity 313.9m + L.T.Debt 230.8m))
RoIC = 9.10% (NOPAT 54.4m / Invested Capital 597.8m)
WACC = 7.33% (E(486.0m)/V(728.0m) * Re(8.70%) + D(242.0m)/V(728.0m) * Rd(5.99%) * (1-Tc(0.24)))
Discount Rate = 8.70% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.11%
[DCF Debug] Terminal Value 76.34% ; FCFE base≈37.3m ; Y1≈38.3m ; Y5≈42.9m
Fair Price DCF = 66.60 (DCF Value 668.8m / Shares Outstanding 10.0m; 5y FCF grow 2.60% → 3.0% )
EPS Correlation: 80.94 | EPS CAGR: 16.34% | SUE: 0.88 | # QB: 2
Revenue Correlation: 89.18 | Revenue CAGR: 27.78% | SUE: 1.73 | # QB: 2

Additional Sources for UNTY Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle