(UNTY) Unity Bancorp - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US9132901029
Stock: Banking, Loans, Mortgages, Deposit Accounts, Credit Services
Total Rating 43
Risk 36
Buy Signal 0.81
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.24% |
| Yield on Cost 5y | 3.23% |
| Yield CAGR 5y | 12.66% |
| Payout Consistency | 69.2% |
| Payout Ratio | 10.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 36.8% |
| Relative Tail Risk | -7.87% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.50 |
| Alpha | 3.62 |
| Character TTM | |
|---|---|
| Beta | 0.740 |
| Beta Downside | 0.910 |
| Drawdowns 3y | |
|---|---|
| Max DD | 23.88% |
| CAGR/Max DD | 1.23 |
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) 3.5
| Net Income: 58.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.17 > 1.0 |
| NWC/Revenue: -960.2% < 20% (prev -1158 %; Δ 198.1% < -1%) |
| CFO/TA 0.02 > 3% & CFO 61.1m > Net Income 58.0m |
| Net Debt (49.6m) to EBITDA (77.2m): 0.64 < 3 |
| Current Ratio: 0.16 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.2m) vs 12m ago -0.09% < -2% |
| Gross Margin: 63.07% > 18% (prev 0.63%; Δ 6244 % > 0.5%) |
| Asset Turnover: 7.33% > 50% (prev 6.16%; Δ 1.17% > 0%) |
| Interest Coverage Ratio: 0.99 > 6 (EBITDA TTM 77.2m / Interest Expense TTM 56.6m) |
Altman Z'' -3.83
| A: -0.67 (Total Current Assets 377.8m - Total Current Liabilities 2.35b) / Total Assets 2.97b |
| B: 0.08 (Retained Earnings 243.9m / Total Assets 2.97b) |
| C: 0.02 (EBIT TTM 55.8m / Avg Total Assets 2.81b) |
| D: 0.13 (Book Value of Equity 348.7m / Total Liabilities 2.62b) |
| Altman-Z'' Score: -3.83 = D |
Beneish M -3.04
| DSRI: 0.81 (Receivables 12.9m/12.7m, Revenue 205.9m/163.5m) |
| GMI: 0.99 (GM 63.07% / 62.63%) |
| AQI: 0.95 (AQ_t 0.87 / AQ_t-1 0.91) |
| SGI: 1.26 (Revenue 205.9m / 163.5m) |
| TATA: -0.00 (NI 58.0m - CFO 61.1m) / TA 2.97b) |
| Beneish M-Score: -3.04 (Cap -4..+1) = AA |
What is the price of UNTY shares?
As of February 03, 2026, the stock is trading at USD 55.52 with a total of 57,729 shares traded.
Over the past week, the price has changed by +6.10%, over one month by +8.69%, over three months by +22.75% and over the past year by +18.39%.
Over the past week, the price has changed by +6.10%, over one month by +8.69%, over three months by +22.75% and over the past year by +18.39%.
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.
- StrongBuy: 1
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the UNTY price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 65 | 17.1% |
| Analysts Target Price | 65 | 17.1% |
| ValueRay Target Price | 68.3 | 23% |
UNTY Fundamental Data Overview February 02, 2026
P/E Trailing = 9.3518
P/E Forward = 8.3893
P/S = 4.2365
P/B = 1.533
Revenue TTM = 205.9m 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 = 266.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 49.6m USD (from netDebt column, last quarter)
Enterprise Value = 467.3m USD (541.7m + Debt 266.1m - CCE 340.5m)
Interest Coverage Ratio = 0.99 (Ebit TTM 55.8m / Interest Expense TTM 56.6m)
EV/FCF = 7.78x (Enterprise Value 467.3m / FCF TTM 60.1m)
FCF Yield = 12.86% (FCF TTM 60.1m / Enterprise Value 467.3m)
FCF Margin = 29.18% (FCF TTM 60.1m / Revenue TTM 205.9m)
Net Margin = 28.15% (Net Income TTM 58.0m / Revenue TTM 205.9m)
Gross Margin = 63.07% ((Revenue TTM 205.9m - Cost of Revenue TTM 76.0m) / Revenue TTM)
Gross Margin QoQ = 70.87% (prev 51.20%)
Tobins Q-Ratio = 0.16 (Enterprise Value 467.3m / Total Assets 2.97b)
Interest Expense / Debt = 5.45% (Interest Expense 14.5m / Debt 266.1m)
Taxrate = 21.44% (4.22m / 19.7m)
NOPAT = 43.9m (EBIT 55.8m * (1 - 21.44%))
Current Ratio = 0.16 (Total Current Assets 377.8m / Total Current Liabilities 2.35b)
Debt / Equity = 0.77 (Debt 266.1m / totalStockholderEquity, last quarter 345.6m)
Debt / EBITDA = 0.64 (Net Debt 49.6m / EBITDA 77.2m)
Debt / FCF = 0.83 (Net Debt 49.6m / 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 = 7.20% (E(541.7m)/V(807.8m) * Re(8.64%) + D(266.1m)/V(807.8m) * Rd(5.45%) * (1-Tc(0.21)))
Discount Rate = 8.64% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.07%
[DCF Debug] Terminal Value 81.51% ; FCFF base≈55.8m ; Y1≈57.6m ; Y5≈64.9m
Fair Price DCF = 129.7 (EV 1.34b - Net Debt 49.6m = Equity 1.29b / Shares 9.98m; r=7.20% [WACC]; 5y FCF grow 3.23% → 2.90% )
EPS Correlation: 85.87 | EPS CAGR: 16.77% | SUE: 1.17 | # QB: 3
Revenue Correlation: 93.57 | Revenue CAGR: 22.62% | SUE: 3.41 | # QB: 3
EPS next Quarter (2026-03-31): EPS=1.36 | Chg30d=+0.045 | Revisions Net=+3 | Analysts=2
EPS current Year (2026-12-31): EPS=5.83 | Chg30d=+0.182 | Revisions Net=+3 | Growth EPS=+2.7% | Growth Revenue=+6.1%
EPS next Year (2027-12-31): EPS=6.53 | Chg30d=+0.485 | Revisions Net=+0 | Growth EPS=+12.0% | Growth Revenue=+8.5%
P/E Forward = 8.3893
P/S = 4.2365
P/B = 1.533
Revenue TTM = 205.9m 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 = 266.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 49.6m USD (from netDebt column, last quarter)
Enterprise Value = 467.3m USD (541.7m + Debt 266.1m - CCE 340.5m)
Interest Coverage Ratio = 0.99 (Ebit TTM 55.8m / Interest Expense TTM 56.6m)
EV/FCF = 7.78x (Enterprise Value 467.3m / FCF TTM 60.1m)
FCF Yield = 12.86% (FCF TTM 60.1m / Enterprise Value 467.3m)
FCF Margin = 29.18% (FCF TTM 60.1m / Revenue TTM 205.9m)
Net Margin = 28.15% (Net Income TTM 58.0m / Revenue TTM 205.9m)
Gross Margin = 63.07% ((Revenue TTM 205.9m - Cost of Revenue TTM 76.0m) / Revenue TTM)
Gross Margin QoQ = 70.87% (prev 51.20%)
Tobins Q-Ratio = 0.16 (Enterprise Value 467.3m / Total Assets 2.97b)
Interest Expense / Debt = 5.45% (Interest Expense 14.5m / Debt 266.1m)
Taxrate = 21.44% (4.22m / 19.7m)
NOPAT = 43.9m (EBIT 55.8m * (1 - 21.44%))
Current Ratio = 0.16 (Total Current Assets 377.8m / Total Current Liabilities 2.35b)
Debt / Equity = 0.77 (Debt 266.1m / totalStockholderEquity, last quarter 345.6m)
Debt / EBITDA = 0.64 (Net Debt 49.6m / EBITDA 77.2m)
Debt / FCF = 0.83 (Net Debt 49.6m / 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 = 7.20% (E(541.7m)/V(807.8m) * Re(8.64%) + D(266.1m)/V(807.8m) * Rd(5.45%) * (1-Tc(0.21)))
Discount Rate = 8.64% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.07%
[DCF Debug] Terminal Value 81.51% ; FCFF base≈55.8m ; Y1≈57.6m ; Y5≈64.9m
Fair Price DCF = 129.7 (EV 1.34b - Net Debt 49.6m = Equity 1.29b / Shares 9.98m; r=7.20% [WACC]; 5y FCF grow 3.23% → 2.90% )
EPS Correlation: 85.87 | EPS CAGR: 16.77% | SUE: 1.17 | # QB: 3
Revenue Correlation: 93.57 | Revenue CAGR: 22.62% | SUE: 3.41 | # QB: 3
EPS next Quarter (2026-03-31): EPS=1.36 | Chg30d=+0.045 | Revisions Net=+3 | Analysts=2
EPS current Year (2026-12-31): EPS=5.83 | Chg30d=+0.182 | Revisions Net=+3 | Growth EPS=+2.7% | Growth Revenue=+6.1%
EPS next Year (2027-12-31): EPS=6.53 | Chg30d=+0.485 | Revisions Net=+0 | Growth EPS=+12.0% | Growth Revenue=+8.5%