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Unity Bancorp, Inc.

Data quality: 100%
UNTY
NASDAQ Financial Services Banks - Regional
$50.76
▲ $1.38 (2.79%)
Mkt Cap: 509.60M
Day Range
$50.47 $51.74
52-Week Range
$36.65 $57.30
Volume
47,940
50D / 200D Avg
$52.99 / $50.50
Prev Close
$49.38

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (853 peers)

Metric Stock Sector Median
P/E 8.8 10.5
P/B 1.5 1.3
ROE % 18.1 11.2
Net Margin % 30.8 14.8
Rev Growth 5Y % 18.4 11.0
D/E 0.8 1.0

Key Takeaways

Revenue grew 18.43% annually over 5 years — strong growth
Earnings grew 39.81% over the past year
ROE of 18.08% — decent returns on equity
Net margin of 30.76% shows strong profitability
Generating 44.34M in free cash flow
P/E of 8.79 — trading at a low valuation

Growth

Revenue Growth (5Y)
18.43%
Revenue (1Y)15.54%
Earnings (1Y)39.81%
FCF Growth (3Y)-1.77%

Quality

Return on Equity
18.08%
ROIC9.26%
Net Margin30.76%
Op. Margin40.08%

Safety

Debt / Equity
0.77
Current Ratio0.16
Interest Coverage1.33

Valuation

P/E Ratio
8.79
P/B Ratio1.47
EV/EBITDA7.41
Dividend Yield0.01%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 15.54% Revenue Growth (3Y) 11.81%
Earnings Growth (1Y) 39.81% Earnings Growth (3Y) 20.81%
Revenue Growth (5Y) 18.43% Earnings Growth (5Y) 12.55%
Profitability
Revenue (TTM) 188.41M Net Income (TTM) 57.95M
ROE 18.08% ROA 1.95%
Gross Margin 67.87% Operating Margin 40.08%
Net Margin 30.76% Free Cash Flow (TTM) 44.34M
ROIC 9.26% FCF Growth (3Y) -1.77%
Safety
Debt / Equity 0.77 Current Ratio 0.16
Interest Coverage 1.33 Dividend Yield 0.01%
Valuation
P/E Ratio 8.79 P/B Ratio 1.47
P/S Ratio 2.70 PEG Ratio 0.22
EV/EBITDA 7.41 Dividend Yield 0.01%
Market Cap 509.60M Enterprise Value 559.17M

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 188.41M 163.07M 150.72M 108.27M 95.78M
Net Income 57.95M 41.45M 39.71M 38.46M 36.12M
EPS (Diluted) 5.67 4.06 3.84 3.59 3.43
Gross Profit 127.87M 101.99M 99.05M 93.36M 87.86M
Operating Income 75.51M 54.39M 53.00M 51.42M 48.13M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 2.97B 2.65B 2.58B 2.44B 2.03B
Total Liabilities 2.62B 2.36B 2.32B 2.21B 1.83B
Shareholders' Equity 345.63M 295.58M 261.43M 239.23M 205.73M
Total Debt 266.08M 230.81M 366.75M 398.91M 55.61M
Cash & Equivalents 216.52M 180.44M 194.78M 114.79M 244.82M
Current Assets 377.77M 208.66M 300.12M 232.73M 316.90M
Current Liabilities 2.35B 2.10B 1.95B 1.81B 1.77B

Strategy Scores

This stock passed the criteria for 2 strategies

Score = fit strength (0–100)
Rank = position among all matches
Custom Capital Light Compounder
#167 of 211
27
Custom Contrarian Investing (David Dreman)
#311 of 654
31

Recent Activity

Entered Capital Light Compounder
Mar 24, 2026
Entered Contrarian Investing (David Dreman)
Mar 24, 2026