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Unity Bancorp, Inc. (UNTY)

Profile

Full Name

Unity Bancorp, Inc.

Ticker Symbol

NASDAQ: UNTY

Exchange

NASDAQ

Sector

Financial Services

Industry

Banks - Regional

Country

United States

IPO

January 14, 1997

Indexes

Not included

Website

http://www.unitybank.com

Employees

227

Key Details

Price

$52.26(+3.90%)

Market cap

$524.23M(Small cap)

Last Dividend

$0.14

TTM Dividend yield

1.03%

Annual revenue

$105.94M(+3.64% YoY)

Annual EPS

$4.06(+5.73% YoY)

PE ratio

12.27

Next earnings date

Jul 11, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    See Full Chart & Historical Data

    Analyst ratings

    Price

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    Current Price

    $52.26
    UNTY price is $52.26

    30-Day Relative Volume

    0.57
    UNTY 30-day relative volume is 0.57

    Price Performance

    Price Most recent change

    +3.9%
    UNTY price was up +3.9% on Jul 3, 2025

    Price YTD change

    +19.83%
    UNTY price is up +19.83% since January 1st

    Price 1-year change

    +86.84%
    UNTY price is up +86.84% year-on-year

    Price 3-year change

    +95%
    UNTY price is up +95% over the past 3 years

    Price Range

    Price All-time high

    $52.26
    UNTY price is currently at an all-time high

    Price 3-year low

    $20.01
    UNTY price is currently +161.17% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $524.23M
    UNTY market capitalization is $524.23 million

    Market cap 3-year change

    +86.1%
    UNTY market capitalization is up +86.1% over the past 3 years

    Market cap All-time high

    $524.23M
    UNTY market capitalization is currently at an all-time high

    Market cap sector rank

    48.72%
    UNTY market capitalization is higher than 48.72% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +0.56%
    UNTY shares outstanding is up +0.56% year-on-year

    Shares Outstanding 3-Year Change

    -4.57%
    UNTY shares outstanding is down -4.57% over the past 3 years

    Technical Indicators

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    Beta

    0.80
    UNTY beta is 0.80

    200-day SMA

    $42.98
    UNTY price is currently +21.59% above its 200-day simple moving average

    50-day SMA

    $44.35
    UNTY price is currently +17.83% above its 50-day simple moving average

    RSI

    77.05
    UNTY 14-day relative strength index is 77.05

    Volume

    0.57
    UNTY 30-day relative volume is 0.57

    ATR

    $1.74
    UNTY average true range is $1.74

    10-day Historical Volatility

    33.82%
    UNTY 10-day historical volatility is 33.82%

    Dividend

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    Events

    Last Paid Dividend

    $0.14
    UNTY last dividend was $0.14 per share, with an ex-dividend date of June 6, 2025

    Next Dividend

    -
    UNTY next dividend has not yet been announced

    Dividend per share

    Dividend per share

    $0.52
    UNTY annual dividend per share is $0.52

    Dividend per share Sector Rank

    24.81%
    UNTY annual dividend per share is higher than 24.81% of companies in Financial Services sector

    Dividend per share 1-Year Change

    +8.33%
    UNTY annual dividend per share is up +8.33% year-on-year

    Dividend per share 3-Year Change

    +44.44%
    UNTY annual dividend per share is up +44.44% over the past 3 years

    Dividend yield

    Dividend yield

    1.00%
    UNTY annual dividend yield is 1.00%

    Dividend yield Sector Rank

    6.9%
    UNTY annual dividend yield is higher than 6.9% of companies in Financial Services sector

    Other

    Payout ratio

    12.11%
    UNTY annual payout ratio is 12.11%

    Dividends paid

    $5.02M
    UNTY annual dividends paid is $5.02 million

    Free cash flow

    $47.29M
    UNTY annual free cash flow is $47.29 million

    Income Statement

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    Revenue

    Revenue

    $105.94M
    UNTY annual revenue is $105.94 million

    Revenue Analysts estimate

    $123.03M
    UNTY annual revenue is currently -13.89% lower than the consensus analysts' forecast

    Revenue 1-year change

    +3.64%
    UNTY annual revenue is up +3.64% year-on-year

    Revenue Sector rank

    46.76%
    UNTY annual revenue is higher than 46.76% of companies in Financial Services sector

    EPS

    EPS

    $4.06
    UNTY annual earnings per share is $4.06

    EPS Analysts estimate

    $4.87
    UNTY annual earnings per share is currently -16.58% lower than the consensus analysts' forecast

    EPS 1-year change

    +5.73%
    UNTY annual earnings per share is up +5.73% year-on-year

    EPS Sector rank

    78.49%
    UNTY annual earnings per share is higher than 78.49% of companies in Financial Services sector

    Profit

    Gross profit

    -
    UNTY annual gross profit value is unknown

    Gross margin

    -
    UNTY annual gross profit margin value is unknown

    Operating profit

    -
    UNTY annual operating income value is unknown

    Operating margin

    -
    UNTY annual operating profit margin value is unknown

    Net income

    $41.45M
    UNTY annual net profit is $41.45 million

    Net margin

    39.13%
    UNTY annual net profit margin is 39.13%

    Expenses

    Total expenses

    -
    UNTY annual total expenses value is unknown

    Operating expenses

    $33.42M
    UNTY annual total operating expenses is $33.42 million

    Cost of goods sold

    -
    UNTY annual cost of goods sold value is unknown

    Selling, general & administrative expenses

    $33.42M
    UNTY annual SGA is $33.42 million

    Depreciation and amortization

    $2.58M
    UNTY annual depreciation & amortization is $2.58 million

    Interest expense

    -
    UNTY annual interest expense value is unknown

    Income tax

    $12.94M
    UNTY annual income tax is $12.94 million

    EBIT & EBITDA

    EBIT

    $111.52M
    UNTY annual earnings before interest & taxes is $111.52 million

    EBITDA

    $114.10M
    UNTY annual EBITDA is $114.10 million

    Balance Sheet

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    Assets

    Total assets

    $2.65B
    UNTY annual total assets is $2.65 billion

    Non current assets

    $2.41B
    UNTY annual long term assets is $2.41 billion

    Current assets

    $287.01M
    UNTY annual total current assets is $287.01 million

    Cash and cash equivalents

    $180.44M
    UNTY annual cash & cash equivalents is $180.44 million

    Accounts receivable

    $12.69M
    UNTY annual accounts receivable is $12.69 million

    Inventory

    -
    UNTY annual inventory value is unknown

    Liabilities

    Total liabilities

    $2.36B
    UNTY annual total liabilities is $2.36 billion

    Long term liabilities

    $2.33B
    UNTY annual total long term liabilities is $2.33 billion

    Current liabilities

    $1.70M
    UNTY annual total current liabilities is $1.70 million

    Accounts payable

    $1.70M
    UNTY annual accounts payable is $1.70 million

    Debt

    Total debt

    $230.81M
    UNTY annual total debt is $230.81 million

    Total debt 1-year change

    -37.06%
    UNTY annual total debt is down -37.06% year-on-year

    Long term debt

    $230.81M
    UNTY annual long term debt is $230.81 million

    Short term debt

    -
    UNTY annual short term debt value is unknown

    Equity & Capital

    Shareholders equity

    $295.58M
    UNTY annual stockholders equity is $295.58 million

    Book value

    $295.58M
    UNTY annual book value is $295.58 million

    Retained earnings

    $227.33M
    UNTY annual retained earnings is $227.33 million

    Working capital

    $285.31M
    UNTY annual working capital is $285.31 million

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $47.99M
    UNTY annual cash flow from operations is $47.99 million

    Cash from operations 1-year change

    +2.3%
    UNTY annual cash flow from operations is up +2.3% year-on-year

    Cash from investing

    -$92.81M
    UNTY annual cash flow from investing activities is -$92.81 million

    Cash from investing 1-year change

    -60.45%
    UNTY annual cash flow from investing activities is down -60.45% year-on-year

    Cash from financing

    $30.49M
    UNTY annual cash flow from financing activities is $30.49 million

    Cash from financing 1-year change

    -66.47%
    UNTY annual cash flow from financing activities is down -66.47% year-on-year

    CAPEX

    CAPEX

    $693.00K
    UNTY annual capital expenditures is $693.00 thousand

    CAPEX 1-year change

    -27.43%
    UNTY annual capital expenditures is down -27.43% year-on-year

    Free Cash Flow

    Free cash flow

    $47.29M
    UNTY annual free cash flow is $47.29 million

    Free cash flow 1-year change

    +2.92%
    UNTY annual free cash flow is up +2.92% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    -
    UNTY annual gross profit margin value is unknown

    Operating margin

    -
    UNTY annual operating profit margin value is unknown

    Net margin

    39.13%
    UNTY annual net profit margin is 39.13%

    ROA & ROE

    ROA

    1.58%
    UNTY annual return on assets is 1.58%

    ROE

    14.88%
    UNTY annual return on equity is 14.88%

    Valuation

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    PE Ratio

    PE ratio

    12.27
    UNTY price to earnings ratio is 12.27

    PE ratio Sector rank

    31.58%
    UNTY price to earnings ratio is higher than 31.58% of companies in Financial Services sector

    PB Ratio

    PB ratio

    1.71
    UNTY price to book ratio is 1.71

    PB ratio Sector rank

    70.62%
    UNTY price to book ratio is higher than 70.62% of companies in Financial Services sector

    PS Ratio

    PS ratio

    4.76
    UNTY price to sales ratio is 4.76

    PS ratio Sector rank

    75.92%
    UNTY price to sales ratio is higher than 75.92% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $566.23M
    UNTY enterprise value is $566.23 million

    Enterprise value Sector rank

    47.78%
    UNTY enterprise value is higher than 47.78% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    4.87
    UNTY EV/EBITDA is 4.87

    EV/EBITDA Sector rank

    59.25%
    UNTY EV/EBITDA is higher than 59.25% of companies in Financial Services sector

    Financial Health

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    Liquidity

    Current ratio

    168.63
    UNTY annual current ratio is 168.63

    Quick ratio

    -
    UNTY annual quick ratio value is unknown

    Leverage

    Debt to equity

    0.78
    UNTY annual debt to equity ratio is 0.78

    Interest coverage ratio

    -
    UNTY annual interest coverage ratio value is unknown

    Risk & Stability

    Piotroski F-Score

    -
    UNTY piotroski f-score value is unknown

    Altman Z-Score

    0.56
    UNTY altman z-score is 0.56

    Analyst ratings

    Recent major analysts updates

    Apr 14, 25 Piper Sandler
    Overweight
    Jan 16, 25 Piper Sandler
    Overweight
    Jan 16, 25 Keefe, Bruyette & Woods
    Outperform
    Dec 4, 24 Keefe, Bruyette & Woods
    Outperform
    Oct 14, 24 Piper Sandler
    Overweight
    Jul 15, 24 Keefe, Bruyette & Woods
    Outperform
    Apr 6, 23 Keefe, Bruyette & Woods
    Outperform
    Dec 15, 22 Janney Montgomery Scott
    Buy
    Apr 7, 22 Piper Sandler
    Overweight
    Mar 10, 20 DA Davidson
    Buy

    Institutional Ownership

    Screeners with UNTY included

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    • What is the ticker symbol for Unity Bancorp, Inc.?
    • Does Unity Bancorp, Inc. pay dividends?
    • What sector is Unity Bancorp, Inc. in?
    • What industry is Unity Bancorp, Inc. in?
    • What country is Unity Bancorp, Inc. based in?
    • When did Unity Bancorp, Inc. go public?
    • Is Unity Bancorp, Inc. in the S&P 500?
    • Is Unity Bancorp, Inc. in the NASDAQ 100?
    • Is Unity Bancorp, Inc. in the Dow Jones?
    • When was Unity Bancorp, Inc.'s last earnings report?
    • When does Unity Bancorp, Inc. report earnings?

    What is the ticker symbol for Unity Bancorp, Inc.?

    The ticker symbol for Unity Bancorp, Inc. is NASDAQ:UNTY

    Does Unity Bancorp, Inc. pay dividends?

    Yes, Unity Bancorp, Inc. pays dividends. The last payment was $0.14, with an ex-dividend date on June 6, 2025

    What sector is Unity Bancorp, Inc. in?

    Unity Bancorp, Inc. is in the Financial Services sector

    What industry is Unity Bancorp, Inc. in?

    Unity Bancorp, Inc. is in the Banks - Regional industry

    What country is Unity Bancorp, Inc. based in?

    Unity Bancorp, Inc. is headquartered in United States

    When did Unity Bancorp, Inc. go public?

    Unity Bancorp, Inc.'s initial public offering (IPO) was on January 14, 1997

    Is Unity Bancorp, Inc. in the S&P 500?

    No, Unity Bancorp, Inc. is not included in the S&P 500 index

    Is Unity Bancorp, Inc. in the NASDAQ 100?

    No, Unity Bancorp, Inc. is not included in the NASDAQ 100 index

    Is Unity Bancorp, Inc. in the Dow Jones?

    No, Unity Bancorp, Inc. is not included in the Dow Jones index

    When was Unity Bancorp, Inc.'s last earnings report?

    Unity Bancorp, Inc.'s most recent earnings report was on April 11, 2025

    When does Unity Bancorp, Inc. report earnings?

    The next expected earnings date for Unity Bancorp, Inc. is July 11, 2025
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