(UNTY) Unity Bancorp - Ratings and Ratios
Checking, Savings, Loans, CreditCards, BankingServices
UNTY EPS (Earnings per Share)
UNTY Revenue
Description: UNTY Unity Bancorp
Unity Bancorp Inc (NASDAQ:UNTY) is a bank holding company that provides a range of commercial and retail banking services through its subsidiary, Unity Bank. The companys product offerings include various deposit accounts, loans, and credit cards, as well as digital banking services and business solutions.
From a financial perspective, Unity Bancorp has a market capitalization of $458.02 million, indicating a relatively small-cap regional bank. The companys price-to-earnings ratio is 10.72, suggesting a relatively undervalued stock compared to its earnings. The forward P/E ratio is 8.39, implying expected earnings growth. The return on equity (RoE) is 14.99%, indicating a relatively strong profitability metric.
To further analyze Unity Bancorps performance, we can examine key performance indicators (KPIs) such as the net interest margin (NIM), efficiency ratio, and loan growth rate. A high NIM indicates a banks ability to maintain a healthy spread between interest income and expense. The efficiency ratio measures a banks ability to control operating expenses. Loan growth rate is a key indicator of a banks ability to expand its lending activities. As a regional bank, Unity Bancorps KPIs are likely influenced by the local economic conditions in New Jersey and surrounding areas.
Additional KPIs that may be relevant to Unity Bancorps analysis include the Texas Ratio, which measures a banks credit risk, and the capital adequacy ratio, which assesses a banks capital strength. A low Texas Ratio and high capital adequacy ratio would indicate a bank with a strong credit profile and robust capital position. By examining these KPIs, investors can gain a more comprehensive understanding of Unity Bancorps financial health and growth prospects.
UNTY Stock Overview
| Market Cap in USD | 524m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1997-01-20 |
UNTY Stock Ratings
| Growth Rating | 84.8% |
| Fundamental | 69.9% |
| Dividend Rating | 59.6% |
| Return 12m vs S&P 500 | 31.5% |
| Analyst Rating | 4.33 of 5 |
UNTY Dividends
| Dividend Yield 12m | 1.16% |
| Yield on Cost 5y | 4.39% |
| Annual Growth 5y | 10.20% |
| Payout Consistency | 67.4% |
| Payout Ratio | 11.3% |
UNTY Growth Ratios
| Growth Correlation 3m | 39.1% |
| Growth Correlation 12m | 64.1% |
| Growth Correlation 5y | 82.6% |
| CAGR 5y | 26.75% |
| CAGR/Max DD 3y | 0.95 |
| CAGR/Mean DD 3y | 2.95 |
| Sharpe Ratio 12m | 0.15 |
| Alpha | 0.45 |
| Beta | 0.184 |
| Volatility | 27.69% |
| Current Volume | 22.3k |
| Average Volume 20d | 24.1k |
| Stop Loss | 49.7 (-3.1%) |
| Signal | -0.84 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (50.5m TTM) > 0 and > 6% of Revenue (6% = 10.6m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.63pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1161 % (prev -1077 %; Δ -84.01pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 33.2m <= Net Income 50.5m (YES >=105%, WARN >=100%) |
| Net Debt (-26.0m) to EBITDA (68.8m) ratio: -0.38 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.06 (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 0.62% (target <= -2.0% for YES) |
| Gross Margin 65.23% (prev 62.22%; Δ 3.01pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.41% (prev 6.09%; Δ 0.33pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.18 (EBITDA TTM 68.8m / Interest Expense TTM 56.1m) >= 6 (WARN >= 3) |
Altman Z'' -4.02
| (A) -0.70 = (Total Current Assets 130.9m - Total Current Liabilities 2.19b) / Total Assets 2.93b |
| (B) 0.09 = Retained Earnings (Balance) 252.6m / Total Assets 2.93b |
| (C) 0.02 = EBIT TTM 66.0m / Avg Total Assets 2.76b |
| (D) 0.14 = Book Value of Equity 355.4m / Total Liabilities 2.61b |
| Total Rating: -4.02 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 69.92
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 1.08% = 0.54 |
| 3. FCF Margin 18.21% = 4.55 |
| 4. Debt/Equity 8.05 = -2.50 |
| 5. Debt/Ebitda 37.44 = -2.50 |
| 6. ROIC - WACC (= 7.07)% = 8.84 |
| 7. RoE 16.75% = 1.40 |
| 8. Rev. Trend 91.93% = 6.89 |
| 9. EPS Trend 74.04% = 3.70 |
What is the price of UNTY shares?
Over the past week, the price has changed by -1.51%, over one month by +5.18%, over three months by +17.67% and over the past year by +56.07%.
Is Unity Bancorp a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of UNTY is around 62.33 USD . This means that UNTY is currently undervalued and has a potential upside of +21.55% (Margin of Safety).
Is UNTY a buy, sell or hold?
- 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 | 60.3 | 17.6% |
| Analysts Target Price | 60.3 | 17.6% |
| ValueRay Target Price | 65.8 | 28.2% |
Last update: 2025-09-08 04:53
UNTY Fundamental Data Overview
CCE Cash And Equivalents = 118.5m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 10.5749
P/E Forward = 8.3893
P/S = 4.508
P/B = 1.6387
Beta = 0.797
Revenue TTM = 177.2m USD
EBIT TTM = 66.0m USD
EBITDA TTM = 68.8m USD
Long Term Debt = 387.4m USD (from longTermDebt, last quarter)
Short Term Debt = 2.19b USD (from totalCurrentLiabilities, last quarter)
Debt = 2.58b USD (Calculated: Short Term 2.19b + Long Term 387.4m)
Net Debt = -26.0m USD (from netDebt column, last quarter)
Enterprise Value = 2.98b USD (524.1m + Debt 2.58b - CCE 118.5m)
Interest Coverage Ratio = 1.18 (Ebit TTM 66.0m / Interest Expense TTM 56.1m)
FCF Yield = 1.08% (FCF TTM 32.3m / Enterprise Value 2.98b)
FCF Margin = 18.21% (FCF TTM 32.3m / Revenue TTM 177.2m)
Net Margin = 28.50% (Net Income TTM 50.5m / Revenue TTM 177.2m)
Gross Margin = 65.23% ((Revenue TTM 177.2m - Cost of Revenue TTM 61.6m) / Revenue TTM)
Tobins Q-Ratio = 8.39 (Enterprise Value 2.98b / Book Value Of Equity 355.4m)
Interest Expense / Debt = 0.55% (Interest Expense 14.0m / Debt 2.58b)
Taxrate = 23.79% (12.9m / 54.4m)
NOPAT = 50.3m (EBIT 66.0m * (1 - 23.79%))
Current Ratio = 0.06 (Total Current Assets 130.9m / Total Current Liabilities 2.19b)
Debt / Equity = 8.05 (Debt 2.58b / last Quarter total Stockholder Equity 319.8m)
Debt / EBITDA = 37.44 (Net Debt -26.0m / EBITDA 68.8m)
Debt / FCF = 79.85 (Debt 2.58b / FCF TTM 32.3m)
Total Stockholder Equity = 301.5m (last 4 quarters mean)
RoA = 1.72% (Net Income 50.5m, Total Assets 2.93b )
RoE = 16.75% (Net Income TTM 50.5m / Total Stockholder Equity 301.5m)
RoCE = 9.58% (Ebit 66.0m / (Equity 301.5m + L.T.Debt 387.4m))
RoIC = 8.55% (NOPAT 50.3m / Invested Capital 588.7m)
WACC = 1.48% (E(524.1m)/V(3.10b) * Re(6.69%)) + (D(2.58b)/V(3.10b) * Rd(0.55%) * (1-Tc(0.24)))
Shares Correlation 3-Years: -42.42 | Cagr: -0.44%
Discount Rate = 6.69% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 78.67% ; FCFE base≈37.3m ; Y1≈38.3m ; Y5≈42.9m
Fair Price DCF = 75.23 (DCF Value 754.8m / Shares Outstanding 10.0m; 5y FCF grow 2.60% → 3.0% )
EPS Correlation: 74.04 | EPS CAGR: 22.09% | SUE: 4.0 | # QB: 1
Revenue Correlation: 91.93 | Revenue CAGR: 24.98%
Additional Sources for UNTY Stock
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Fund Manager Positions: Dataroma | Stockcircle