UNTY
Unity Bancorp, Inc.
Price Chart
Latest Quote
$54.86
-0.69 (-1.24%)
Current Price
| Previous Close | $55.55 |
| Open | $55.44 |
| Day High | $56.09 |
| Day Low | $54.26 |
| Volume | 38,206 |
Stock Information
| Shares Outstanding | 10.04M |
| Total Debt | $263.01M |
| Cash Equivalents | $229.42M |
| Revenue | $132.39M |
| Net Income | $60.64M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $550.84M |
| P/E Ratio | 9.24 |
| EPS (TTM) | $5.94 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $591.37M |
| Sales | $132.39M |
| Income | $60.64M |
| Book/sh | $35.66 |
| Cash/sh | $22.85 |
| Employees | 244 |
Financial Ratios
| EPS Growth TTM | 23.20% |
Returns & Margins
| ROA | 2.09% |
| ROE | 18.26% |
| Operating Margin | 57.70% |
| Profit Margin | 45.80% |
Ownership
| Insider Ownership | 27.38% |
| Institutional Ownership | 52.17% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 8.67 |
| PEG | 0.99 |
| P/S | 4.16 |
| P/B | 1.54 |
Analyst Data
| Recommendation | none |
| Target Price | $64.75 |
Technical Indicators
| SMA20 | $55.08 |
| SMA50 | $54.06 |
| SMA200 | $51.73 |
| RSI | 44.99 |
| ATR | 1.7158 |
| Shares Float | 7.29M |
| Short Float | 1.20% |
| Short Ratio | 2.49 |
| Volatility | 0.64 |
| Rel Volume | 0.61 |
Performance History
| Week | -2.25% |
| Month | +3.69% |
| Quarter | +11.66% |
| 6 Months | -1.93% |
| YTD | +8.06% |
| Year | +27.03% |
| 3 Years | +141.45% |
| 5 Years | +161.32% |
| 10 Years | +429.28% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $54.86 | 38,206 |
| 2026-06-16 | $55.55 | 46,200 |
| 2026-06-15 | $55.38 | 46,100 |
| 2026-06-12 | $56.63 | 105,200 |
| 2026-06-11 | $55.45 | 81,700 |
| 2026-06-10 | $56.12 | 79,000 |
| 2026-06-09 | $56.10 | 139,900 |
| 2026-06-08 | $54.71 | 71,100 |
| 2026-06-05 | $55.17 | 91,000 |
| 2026-06-04 | $53.72 | 128,700 |
| 2026-06-03 | $52.60 | 66,200 |
| 2026-06-02 | $54.56 | 59,100 |
| 2026-06-01 | $54.42 | 51,600 |
| 2026-05-29 | $55.69 | 54,400 |
| 2026-05-28 | $56.08 | 27,600 |
| 2026-05-27 | $55.25 | 37,800 |
| 2026-05-26 | $55.48 | 29,400 |
| 2026-05-22 | $54.41 | 24,500 |
| 2026-05-21 | $55.13 | 46,500 |
| 2026-05-20 | $54.24 | 37,100 |
| 2026-05-19 | $52.89 | 33,100 |
| 2026-05-18 | $52.91 | 22,100 |
About Unity Bancorp, Inc.
Unity Bancorp, Inc. operates as the bank holding company for Unity Bank that provides commercial and retail banking services. It offers personal and business checking, money market, savings, retirement, money market accounts, as well as time and noninterest and interest-bearing demand deposits. The company also provides commercial, small business administration, consumer, mortgage, and home equity and personal loans; and owner and non-owner-occupied commercial mortgages. In addition, it is involved in the residential construction, commercial, and industrial lending activities secured by business assets, including real estate, receivables, inventory, and equipment. Further, the company offers credit and debit cards, wire transfers, safe deposit boxes, automated teller, and internet and mobile banking services; automated clearing house origination and remote deposit capture services; and business services, such as escrow account, merchant, and online services. Unity Bancorp, Inc. was founded in 1991 and is headquartered in Clinton, New Jersey.
đ° Latest News
Be Sure To Check Out Unity Bancorp, Inc. (NASDAQ:UNTY) Before It Goes Ex-Dividend
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A Fund Sold $5.5 Million of This Regional Bank. Should Investors Follow?
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Simply Wall St. âĸ 2026-01-14T11:33:10Z
Unity Bancorp: Q4 Earnings Snapshot
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Simply Wall St. âĸ 2025-12-16T17:33:37Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $133,748,000 | $104,401,000 | $100,938,000 | $97,635,000 |
| Operating Revenue | $133,748,000 | $104,401,000 | $100,938,000 | $97,635,000 |
| Expenses | ||||
| Interest Expense | $56,595,000 | $57,127,000 | $48,497,000 | $10,631,000 |
| Selling And Marketing Expense | $1,682,000 | $1,611,000 | $1,436,000 | $1,212,000 |
| General And Administrative Expense | $34,653,000 | $31,805,000 | $31,613,000 | $28,887,000 |
| Professional Expense And Contract Services Expense | $1,758,000 | $1,683,000 | $1,563,000 | $1,401,000 |
| Other Non Interest Expense | $6,747,000 | $6,180,000 | $5,579,000 | $4,984,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $57,951,000 | $41,450,000 | $39,707,000 | $38,457,000 |
| Net Interest Income | $117,033,000 | $98,611,000 | $94,997,000 | $90,108,000 |
| Interest Income | $173,628,000 | $155,738,000 | $143,494,000 | $100,739,000 |
| Normalized Income | $57,951,000 | $41,450,000 | $39,707,000 | $38,457,000 |
| Net Income From Continuing And Discontinued Operation | $57,951,000 | $41,450,000 | $39,707,000 | $38,457,000 |
| Net Income Common Stockholders | $57,951,000 | $41,450,000 | $39,707,000 | $38,457,000 |
| Net Income | $57,951,000 | $41,450,000 | $39,707,000 | $38,457,000 |
| Net Income Including Noncontrolling Interests | $57,951,000 | $41,450,000 | $39,707,000 | $38,457,000 |
| Net Income Continuous Operations | $57,951,000 | $41,450,000 | $39,707,000 | $38,457,000 |
| Pretax Income | $75,512,000 | $54,390,000 | $52,995,000 | $51,421,000 |
| Special Income Charges | - | - | - | - |
| Per Share | ||||
| Diluted EPS | $5.67 | $4.06 | $3.84 | $3.59 |
| Basic EPS | $5.78 | $4.13 | $3.89 | $3.66 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $2,807,000 | $2,568,000 | $2,383,000 | $2,756,000 |
| Diluted Average Shares | $10,223,000 | $10,202,000 | $10,338,000 | $10,705,000 |
| Basic Average Shares | $10,033,000 | $10,031,000 | $10,207,000 | $10,508,000 |
| Diluted NI Availto Com Stockholders | $57,951,000 | $41,450,000 | $39,707,000 | $38,457,000 |
| Tax Provision | $17,561,000 | $12,940,000 | $13,288,000 | $12,964,000 |
| Gain On Sale Of Security | $8,420,000 | $-955,000 | $-1,276,000 | $-1,313,000 |
| Selling General And Administration | $36,335,000 | $33,416,000 | $33,049,000 | $30,099,000 |
| Insurance And Claims | $1,174,000 | $1,100,000 | $1,715,000 | $1,022,000 |
| Salaries And Wages | $33,479,000 | $30,705,000 | $29,898,000 | $27,865,000 |
| Occupancy And Equipment | $6,631,000 | $6,324,000 | $5,867,000 | $5,456,000 |
| Total Unusual Items | - | - | - | - |
| Total Unusual Items Excluding Goodwill | - | - | - | - |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $344,115,000 | $294,067,000 | $259,914,000 | $237,711,000 |
| Total Assets | $2,966,652,000 | $2,654,017,000 | $2,578,507,000 | $2,444,948,000 |
| Goodwill And Other Intangible Assets | $1,516,000 | $1,516,000 | $1,516,000 | $1,516,000 |
| Receivables | $12,896,000 | $12,691,000 | $13,582,000 | $13,403,000 |
| Accounts Receivable | $12,896,000 | $12,691,000 | $13,582,000 | $13,403,000 |
| Cash And Cash Equivalents | $216,519,000 | $180,438,000 | $194,776,000 | $114,793,000 |
| Cash Financial | $19,841,000 | $20,206,000 | $20,668,000 | $19,699,000 |
| Cash Cash Equivalents And Federal Funds Sold | $216,519,000 | $180,438,000 | $194,776,000 | $114,793,000 |
| Prepaid Assets | - | - | - | $9,140,000 |
| Other Receivables | - | - | - | - |
| Debt | ||||
| Net Debt | $49,565,000 | $50,376,000 | $171,972,000 | $278,517,000 |
| Total Debt | $266,084,000 | $230,814,000 | $366,748,000 | $393,310,000 |
| Long Term Debt And Capital Lease Obligation | $266,084,000 | $230,814,000 | $366,748,000 | $393,310,000 |
| Long Term Debt | $266,084,000 | $230,814,000 | $366,748,000 | $393,310,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $2,621,021,000 | $2,358,434,000 | $2,317,077,000 | $2,205,721,000 |
| Payables And Accrued Expenses | $2,138,000 | $1,702,000 | $1,924,000 | $691,000 |
| Payables | $2,138,000 | $1,702,000 | $1,924,000 | $691,000 |
| Accounts Payable | $2,138,000 | $1,702,000 | $1,924,000 | $691,000 |
| Derivative Product Liabilities | - | - | - | - |
| Non Current Deferred Liabilities | - | - | - | - |
| Equity | ||||
| Common Stock Equity | $345,631,000 | $295,583,000 | $261,430,000 | $239,227,000 |
| Total Equity Gross Minority Interest | $345,631,000 | $295,583,000 | $261,430,000 | $239,227,000 |
| Stockholders Equity | $345,631,000 | $295,583,000 | $261,430,000 | $239,227,000 |
| Gains Losses Not Affecting Retained Earnings | $-1,095,000 | $-2,107,000 | $-2,737,000 | $-3,260,000 |
| Other Equity Adjustments | $-1,095,000 | $-2,107,000 | $-2,737,000 | $-3,260,000 |
| Retained Earnings | $243,935,000 | $227,331,000 | $191,108,000 | $156,958,000 |
| Other | ||||
| Treasury Shares Number | $66,000 | $1,590,000 | $1,361,000 | $705,000 |
| Ordinary Shares Number | $9,982,000 | $10,026,000 | $10,063,000 | $10,584,000 |
| Share Issued | $10,048,000 | $11,616,000 | $11,424,000 | $11,289,000 |
| Tangible Book Value | $344,115,000 | $294,067,000 | $259,914,000 | $237,711,000 |
| Invested Capital | $611,715,000 | $526,397,000 | $628,178,000 | $632,537,000 |
| Total Capitalization | $611,715,000 | $526,397,000 | $628,178,000 | $632,537,000 |
| Treasury Stock | $3,101,000 | $33,577,000 | $27,367,000 | $11,675,000 |
| Capital Stock | $105,892,000 | $103,936,000 | $100,426,000 | $97,204,000 |
| Common Stock | $105,892,000 | $103,936,000 | $100,426,000 | $97,204,000 |
| Preferred Stock | $0 | $0 | $0 | - |
| Investments And Advances | $124,015,000 | $145,028,000 | $135,689,000 | $140,946,000 |
| Held To Maturity Securities | $36,576,000 | $41,294,000 | $36,122,000 | $35,760,000 |
| Available For Sale Securities | $85,467,000 | $9,850,000 | $7,802,000 | $9,793,000 |
| Goodwill | $1,516,000 | $1,516,000 | $1,516,000 | $1,516,000 |
| Net PPE | $18,022,000 | $18,778,000 | $19,567,000 | $20,002,000 |
| Accumulated Depreciation | $-10,558,000 | $-9,504,000 | $-21,542,000 | $-20,193,000 |
| Gross PPE | $28,580,000 | $28,282,000 | $41,109,000 | $40,195,000 |
| Leases | $1,699,000 | $1,534,000 | $3,205,000 | $3,108,000 |
| Machinery Furniture Equipment | $3,541,000 | $3,429,000 | $13,322,000 | $12,540,000 |
| Land And Improvements | $23,340,000 | $23,319,000 | $24,582,000 | $24,547,000 |
| Other Short Term Investments | $1,972,000 | $93,884,000 | $91,765,000 | $95,393,000 |
| Current Accrued Expenses | - | - | $24,265,000 | $24,192,000 |
| Capital Lease Obligations | - | - | - | $5,600,000 |
| Long Term Capital Lease Obligation | - | - | - | $5,600,000 |
| Other Properties | - | - | - | $5,600,000 |
| Non Current Deferred Revenue | - | - | - | - |
| Long Term Provisions | - | - | - | - |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $44,342,000 | $47,294,000 | $45,954,000 | $41,187,000 |
| Operating Activities | ||||
| Operating Cash Flow | $44,906,000 | $47,987,000 | $46,909,000 | $42,669,000 |
| Cash Flow From Continuing Operating Activities | $44,906,000 | $47,987,000 | $46,909,000 | $42,669,000 |
| Operating Gains Losses | $-7,828,000 | $-2,734,000 | $-3,190,000 | $-2,353,000 |
| Investing Activities | ||||
| Capital Expenditure | $-564,000 | $-693,000 | $-955,000 | $-1,482,000 |
| Investing Cash Flow | $-256,836,000 | $-92,813,000 | $-57,847,000 | $-541,283,000 |
| Cash Flow From Continuing Investing Activities | $-256,836,000 | $-92,813,000 | $-57,847,000 | $-541,283,000 |
| Net Other Investing Changes | $-1,807,000 | $5,928,000 | $3,027,000 | $-15,046,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-5,039,000 | $-6,210,000 | $-15,692,000 | $-42,000 |
| Financing Cash Flow | $248,011,000 | $30,488,000 | $90,921,000 | $368,589,000 |
| Cash Flow From Continuing Financing Activities | $248,011,000 | $30,488,000 | $90,921,000 | $368,589,000 |
| Cash Dividends Paid | $-5,609,000 | $-5,021,000 | $-4,721,000 | $-4,373,000 |
| Common Stock Dividend Paid | $-5,609,000 | $-5,021,000 | $-4,721,000 | $-4,373,000 |
| Net Common Stock Issuance | $-5,039,000 | $-6,210,000 | $-15,692,000 | $-42,000 |
| Net Other Financing Charges | - | - | - | - |
| Other | ||||
| Issuance Of Debt | $5,270,000 | $1,066,000 | $39,438,000 | $0 |
| Interest Paid Supplemental Data | $56,159,000 | $57,349,000 | $47,264,000 | $10,069,000 |
| Income Tax Paid Supplemental Data | $14,033,000 | $14,074,000 | $13,216,000 | $13,929,000 |
| Beginning Cash Position | $180,438,000 | $194,776,000 | $114,793,000 | $244,818,000 |
| Changes In Cash | $36,081,000 | $-14,338,000 | $79,983,000 | $-130,025,000 |
| Proceeds From Stock Option Exercised | $-359,000 | $1,480,000 | $1,284,000 | $1,357,000 |
| Common Stock Payments | $-5,039,000 | $-6,210,000 | $-15,692,000 | $-42,000 |
| Net Issuance Payments Of Debt | $35,270,000 | $-135,934,000 | $-26,562,000 | $343,000,000 |
| Net Short Term Debt Issuance | $30,000,000 | $-137,000,000 | $-66,000,000 | $343,000,000 |
| Net Long Term Debt Issuance | $5,270,000 | $1,066,000 | $39,438,000 | $0 |
| Long Term Debt Issuance | $5,270,000 | $1,066,000 | $39,438,000 | $0 |
| Net Investment Purchase And Sale | $31,427,000 | $-9,038,000 | $5,576,000 | $-68,783,000 |
| Sale Of Investment | $49,541,000 | $8,709,000 | $6,452,000 | $9,853,000 |
| Purchase Of Investment | $-18,114,000 | $-17,747,000 | $-876,000 | $-78,636,000 |
| Net PPE Purchase And Sale | $-564,000 | $-693,000 | $-955,000 | $-1,482,000 |
| Purchase Of PPE | $-564,000 | $-693,000 | $-955,000 | $-1,482,000 |
| Change In Working Capital | $-12,292,000 | $3,479,000 | $4,438,000 | $1,210,000 |
| Other Non Cash Items | $-774,000 | $-544,000 | $-944,000 | $-2,049,000 |
| Stock Based Compensation | $2,092,000 | $1,823,000 | $1,751,000 | $1,681,000 |
| Deferred Tax | $-840,000 | $-1,747,000 | $-87,000 | $-1,205,000 |
| Deferred Income Tax | $-840,000 | $-1,747,000 | $-87,000 | $-1,205,000 |
| Depreciation Amortization Depletion | $2,807,000 | $2,568,000 | $2,383,000 | $2,756,000 |
| Depreciation And Amortization | $2,807,000 | $2,568,000 | $2,383,000 | $2,756,000 |
| Gain Loss On Investment Securities | $-5,596,000 | $-586,000 | $-345,000 | $0 |
| Net Income From Continuing Operations | $57,951,000 | $41,450,000 | $39,707,000 | $38,457,000 |
| Repayment Of Debt | - | $-137,000,000 | $-66,000,000 | - |
| Short Term Debt Payments | - | $-137,000,000 | $-66,000,000 | - |
| Long Term Debt Payments | - | - | - | - |
| Sale Of PPE | - | - | - | - |
| Asset Impairment Charge | - | - | - | - |
| Gain Loss On Sale Of PPE | - | - | - | - |
Fetched: 2026-06-17