(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

Stock: Regional Banks
Age 29y

MCap 556m
Avg Vol 45.0K (2.36M USD)

Beta 0.714
Volatility 33.81%

EPS (Earnings per Share)

EPS CAGR: 16.77%
EPS Trend: 85.9%

Last SUE: 1.17
Qual. Beats: 3

Revenue

Rev. CAGR: -7.22%
Rev. Trend: 38.0%

Last SUE: 2.58
Qual. Beats: 3

Dividends

Dividend Yield	1.24%
Yield on Cost 5y	3.47%
Yield CAGR 5y	12.66%
Payout Consistency	69.2%
Payout Ratio	8.5%

Risk via 5d forecast
Volatility	33.8%
Value at Risk 5%th	51.1%
Relative Tail Risk	-8.18%

Reward TTM
Sharpe Ratio	0.56
Alpha	6.38
CAGR/Max DD	1.21

Character TTM
Hurst Exponent	0.626
Beta	0.714
Beta Downside	0.888

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) 4.5

Net Income (58.0m TTM) > 0 and > 6% of Revenue (6% = 10.4m TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA 0.17pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1247 % (prev -1158 %; Δ -88.97pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 61.1m > Net Income 58.0m (YES >=105%, WARN >=100%)

Net Debt (-19.8m) to EBITDA (77.2m) ratio: -0.26 <= 3.0 (WARN <= 3.5)

Current Ratio 0.05 (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 -0.09% (target <= -2.0% for YES)

Gross Margin 64.56% (prev 62.63%; Δ 1.92pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 6.18% (prev 6.16%; Δ 0.02pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.99 (EBITDA TTM 77.2m / Interest Expense TTM 56.6m) >= 6 (WARN >= 3)

Altman Z'' -4.25

(A) -0.73 = (Total Current Assets 103.6m - Total Current Liabilities 2.27b) / Total Assets 2.97b

(B) 0.08 = Retained Earnings (Balance) 243.9m / Total Assets 2.97b

(D) 0.13 = Book Value of Equity 348.7m / Total Liabilities 2.62b

Total Rating: -4.25 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 74.32

1. Piotroski 4.50pt

2. FCF Yield 8.49%

3. FCF Margin 34.60%

4. Debt/Equity 0.70

5. Debt/Ebitda -0.26

6. ROIC - WACC (= -0.25)%

7. RoE 17.76%

8. Rev. Trend 37.99%

9. EPS Trend 85.87%

What is the price of UNTY shares?

As of January 20, 2026, the stock is trading at USD 54.01 with a total of 45,522 shares traded.
Over the past week, the price has changed by +2.92%, over one month by -1.30%, over three months by +9.83% and over the past year by +12.96%.

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	63.6	17.7%
Analysts Target Price	63.6	17.7%
ValueRay Target Price	66	22.3%

UNTY Fundamental Data Overview January 17, 2026

P/E Trailing = 9.769
P/E Forward = 8.3893
P/S = 4.5592
P/B = 1.5653
Revenue TTM = 173.6m USD
EBIT TTM = 55.8m USD
EBITDA TTM = 77.2m USD
Long Term Debt = 242.0m USD (from longTermDebt, two quarters ago)
Short Term Debt = 210.0m USD (from shortTermDebt, two quarters ago)
Debt = 242.0m USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -19.8m USD (from netDebt column, last quarter)
Enterprise Value = 707.4m USD (556.1m + Debt 242.0m - CCE 90.7m)
Interest Coverage Ratio = 0.99 (Ebit TTM 55.8m / Interest Expense TTM 56.6m)
EV/FCF = 11.78x (Enterprise Value 707.4m / FCF TTM 60.1m)
FCF Yield = 8.49% (FCF TTM 60.1m / Enterprise Value 707.4m)
FCF Margin = 34.60% (FCF TTM 60.1m / Revenue TTM 173.6m)
Net Margin = 33.38% (Net Income TTM 58.0m / Revenue TTM 173.6m)
Gross Margin = 64.56% ((Revenue TTM 173.6m - Cost of Revenue TTM 61.5m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 51.20%)
Tobins Q-Ratio = 0.24 (Enterprise Value 707.4m / Total Assets 2.97b)
Interest Expense / Debt = 5.99% (Interest Expense 14.5m / Debt 242.0m)
Taxrate = 21.44% (4.22m / 19.7m)
NOPAT = 43.9m (EBIT 55.8m * (1 - 21.44%))
Current Ratio = 0.05 (Total Current Assets 103.6m / Total Current Liabilities 2.27b)
Debt / Equity = 0.70 (Debt 242.0m / totalStockholderEquity, last quarter 345.6m)
Debt / EBITDA = -0.26 (Net Debt -19.8m / EBITDA 77.2m)
Debt / FCF = -0.33 (Net Debt -19.8m / FCF TTM 60.1m)
Total Stockholder Equity = 326.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.06% (Net Income 58.0m / Total Assets 2.97b)
RoE = 17.76% (Net Income TTM 58.0m / Total Stockholder Equity 326.4m)
RoCE = 9.82% (EBIT 55.8m / Capital Employed (Equity 326.4m + L.T.Debt 242.0m))
RoIC = 7.14% (NOPAT 43.9m / Invested Capital 614.3m)
WACC = 7.38% (E(556.1m)/V(798.1m) * Re(8.55%) + D(242.0m)/V(798.1m) * Rd(5.99%) * (1-Tc(0.21)))
Discount Rate = 8.55% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.07%
[DCF Debug] Terminal Value 80.83% ; FCFF base≈55.8m ; Y1≈57.6m ; Y5≈64.9m
Fair Price DCF = 131.2 (EV 1.29b - Net Debt -19.8m = Equity 1.31b / Shares 9.98m; r=7.38% [WACC]; 5y FCF grow 3.23% → 2.90% )
EPS Correlation: 85.87 | EPS CAGR: 16.77% | SUE: 1.17 | # QB: 3
Revenue Correlation: 37.99 | Revenue CAGR: -7.22% | SUE: 2.58 | # QB: 3
EPS next Quarter (2026-03-31): EPS=1.37 | Chg30d=+0.047 | Revisions Net=+2 | Analysts=3
EPS current Year (2026-12-31): EPS=5.78 | Chg30d=+0.140 | Revisions Net=+1 | Growth EPS=+2.0% | Growth Revenue=+6.1%
EPS next Year (2027-12-31): EPS=6.30 | Chg30d=+0.260 | Revisions Net=+0 | Growth EPS=+8.9% | Growth Revenue=+8.5%

Additional Sources for UNTY Stock

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