(UNTY) Unity Bancorp - Ratings and Ratios

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

Banking, Loans, Mortgages, Deposit Accounts, Credit Services

Regional Banks
Market Cap in USD: 517m

IPO / Inception: 1997-01-20
12m vs SPY: 3.12%

EPS (Earnings per Share)

EPS CAGR: 12.06%
EPS Trend: 80.6%

Last SUE: 0.88
Qual. Beats: 2

Revenue

Rev. CAGR: 28.49%
Rev. Trend: 95.0%

Last SUE: 1.73
Qual. Beats: 2

Dividends

Dividend Yield	1.24%
Yield on Cost 5y	3.10%
Yield CAGR 5y	12.66%
Payout Consistency	69.2%
Payout Ratio	11.0%

Risk via 5d forecast
Volatility	33.7%
Value at Risk 5%th	50.7%
Relative Tail Risk	-8.50%

Reward TTM
Sharpe Ratio	0.92
Alpha	12.44
CAGR/Max DD	1.13

Character TTM
Hurst Exponent	0.669
Beta	0.743
Beta Downside	0.902

Drawdowns 3y
Max DD	24.49%
Mean DD	8.84%
Median DD	9.36%

Description: UNTY Unity Bancorp December 27, 2025

Unity Bancorp, Inc. (NASDAQ: UNTY) is the holding company for Unity Bank, a community-focused financial institution headquartered in Clinton, New Jersey. The bank offers a full suite of retail and commercial banking products, including checking, savings, money-market and retirement accounts, as well as a range of loan products such as SBA, consumer, mortgage, home-equity, and asset-backed commercial loans.

As of the latest quarterly filing (Q2 2024), Unity Bank reported assets of roughly $2.3 billion and a loan-to-deposit ratio of 78 %, indicating a relatively conservative funding profile. Its net interest margin (NIM) hovered around 3.4 %-slightly above the regional-bank average, reflecting a focus on higher-yield commercial lending. The bank’s performance is sensitive to the Federal Reserve’s policy cycle; a continued high-rate environment supports loan-rate spreads but can pressure credit quality in the small-business segment.

For a deeper quantitative view, you might explore Unity Bancorp’s metrics on ValueRay.

Piotroski VR‑10 (Strict, 0-10) 2.0

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

FCFTA 0.02 (>2.0%) and ΔFCFTA 0.22pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1002 % (prev -1080 %; Δ 77.72pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 61.1m > Net Income 54.0m (YES >=105%, WARN >=100%)

Net Debt (33.4m) to EBITDA (72.9m) ratio: 0.46 <= 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 0.82% (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 1.26 (EBITDA TTM 72.9m / Interest Expense TTM 55.9m) >= 6 (WARN >= 3)

Altman Z'' -3.90

(A) -0.69 = (Total Current Assets 116.2m - Total Current Liabilities 2.10b) / 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: -3.90 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 78.80

1. Piotroski 2.0pt

2. FCF Yield 12.81%

3. FCF Margin 30.32%

4. Debt/Equity 0.72

5. Debt/Ebitda 0.46

6. ROIC - WACC (= 1.70)%

7. RoE 17.20%

8. Rev. Trend 95.03%

9. EPS Trend 80.58%

What is the price of UNTY shares?

As of January 13, 2026, the stock is trading at USD 52.48 with a total of 44,298 shares traded.
Over the past week, the price has changed by +0.98%, over one month by -5.20%, over three months by +11.60% and over the past year by +24.75%.

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	60	14.3%
Analysts Target Price	60	14.3%
ValueRay Target Price	64.3	22.6%

UNTY Fundamental Data Overview January 09, 2026

P/E Trailing = 9.8736
P/E Forward = 8.3893
P/S = 4.2423
P/B = 1.5491
Beta = 0.656
Revenue TTM = 198.1m USD
EBIT TTM = 70.3m USD
EBITDA TTM = 72.9m USD
Long Term Debt = 242.0m USD (from longTermDebt, last quarter)
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 = 468.8m USD (517.4m + Debt 242.0m - CCE 290.7m)
Interest Coverage Ratio = 1.26 (Ebit TTM 70.3m / Interest Expense TTM 55.9m)
EV/FCF = 7.80x (Enterprise Value 468.8m / FCF TTM 60.1m)
FCF Yield = 12.81% (FCF TTM 60.1m / Enterprise Value 468.8m)
FCF Margin = 30.32% (FCF TTM 60.1m / 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 = 0.16 (Enterprise Value 468.8m / Total Assets 2.88b)
Interest Expense / Debt = 5.99% (Interest Expense 14.5m / Debt 242.0m)
Taxrate = 23.73% (4.48m / 18.9m)
NOPAT = 53.6m (EBIT 70.3m * (1 - 23.73%))
Current Ratio = 0.06 (Total Current Assets 116.2m / Total Current Liabilities 2.10b)
Debt / Equity = 0.72 (Debt 242.0m / totalStockholderEquity, last quarter 334.0m)
Debt / EBITDA = 0.46 (Net Debt 33.4m / EBITDA 72.9m)
Debt / FCF = 0.56 (Net Debt 33.4m / FCF TTM 60.1m)
Total Stockholder Equity = 313.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.96% (Net Income 54.0m / Total Assets 2.88b)
RoE = 17.20% (Net Income TTM 54.0m / Total Stockholder Equity 313.9m)
RoCE = 12.65% (EBIT 70.3m / Capital Employed (Equity 313.9m + L.T.Debt 242.0m))
RoIC = 9.05% (NOPAT 53.6m / Invested Capital 592.4m)
WACC = 7.35% (E(517.4m)/V(759.5m) * Re(8.65%) + D(242.0m)/V(759.5m) * Rd(5.99%) * (1-Tc(0.24)))
Discount Rate = 8.65% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.11%
[DCF Debug] Terminal Value 80.96% ; FCFF base≈55.8m ; Y1≈57.6m ; Y5≈64.9m
Fair Price DCF = 126.1 (EV 1.30b - Net Debt 33.4m = Equity 1.27b / Shares 10.0m; r=7.35% [WACC]; 5y FCF grow 3.23% → 2.90% )
EPS Correlation: 80.58 | EPS CAGR: 12.06% | SUE: 0.88 | # QB: 2
Revenue Correlation: 95.03 | Revenue CAGR: 28.49% | SUE: 1.73 | # QB: 2
EPS next Quarter (2026-03-31): EPS=1.32 | Chg30d=+0.000 | Revisions Net=+2 | Analysts=3
EPS next Year (2026-12-31): EPS=5.64 | Chg30d=+0.000 | Revisions Net=+1 | Growth EPS=+4.4% | Growth Revenue=+9.4%

Additional Sources for UNTY Stock

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