Unity Bancorp (UNTY)
NASDAQ:UNTY
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UNTY Stock Chart & Stats
$55.11
$0.71(1.73%)
At close: 4:00 PM EST
$55.11
$0.71(1.73%)
Day’s Range― - ―
52-Week Range$41.67 - $57.30
Previous CloseN/A
Volume11.41K
Average Volume (3M)44.24K
Market Cap
$532.87M
Enterprise Value$575.75M
Total Cash (Recent Filing)$344.43M
Total Debt (Recent Filing)$258.58M
Price to Earnings (P/E)9.1
Beta0.88
Next Earnings
Jul 10, 2026EPS Estimate
1.44Next Dividend Ex-DateN/A
Dividend Yield1.08%
Share Statistics
EPS (TTM)6.05
Shares Outstanding10,040,902
10 Day Avg. Volume52,142
30 Day Avg. Volume44,239
Financial Highlights & Ratios
PEG Ratio0.22
Price to Book (P/B)1.50
Price to Sales (P/S)2.75
P/FCF Ratio11.70
Enterprise Value/Market Cap1.08
Enterprise Value/Revenue2.73
Enterprise Value/Gross Profit4.28
Enterprise Value/Ebitda7.17
Forecast
1Y Price Target
$64.67Price Target Upside17.34% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)5.84
Revenue Forecast (FY)$140.43M
Bulls Say, Bears Say
Bulls Say
Strong Profitability And ReturnsSustained high margins and an ROE near 18% indicate durable earnings power for a regional bank, enabling internal capital generation, dividend support, and reinvestment in growth initiatives. These profitability levels provide a buffer versus cyclical pressures and support long-term shareholder returns.
Materially Improved Leverage ProfileA markedly lower debt-to-equity ratio reduces balance-sheet risk and increases capital flexibility. This improvement strengthens regulatory resilience, permits prudent lending expansion and dividend policy continuity, and lowers the probability of forced deleveraging during stress periods.
Consistent Loan And Deposit GrowthDouble-digit loan and deposit growth reflect durable franchise expansion and sticky funding from core customers. Growing loan volumes drive net interest income scalability while rising deposits lower funding costs, supporting stable margins and enabling predictable balance-sheet growth over the medium term.
Bears Say
Weakened Cash-flow MomentumAlthough FCF has historically converted near net income, recent declines in free cash flow growth and operating cash flow reduce internal financing capacity. This weakens buffers for credit losses, capital raises, or M&A, and raises the risk that capital returns or reinvestment will be constrained if the trend persists.
Margin Compression And Revenue VolatilityEarnings have become more volatile as margins recede from prior peaks and growth rates fluctuate, making future profitability less predictable. For a community bank reliant on NIM and fee income, sustained compression or uneven revenue could pressure capital generation and limit strategic investments.
Absolute Debt Still Meaningful; Leverage SensitivityDespite ratio improvements, sizable absolute debt exposure leaves the bank sensitive to interest-rate shifts and credit stress. This structural leverage means adverse macro or regional credit trends could amplify losses and constrain lending or dividend flexibility over the medium term.
Unity Bancorp News
UNTY FAQ
What was Unity Bancorp’s price range in the past 12 months?
Unity Bancorp lowest stock price was $41.67 and its highest was $57.30 in the past 12 months.
What is Unity Bancorp’s market cap?
Unity Bancorp’s market cap is $532.87M.
When is Unity Bancorp’s upcoming earnings report date?
Unity Bancorp’s upcoming earnings report date is Jul 10, 2026 which is in 50 days.
How were Unity Bancorp’s earnings last quarter?
Unity Bancorp released its earnings results on Apr 14, 2026. The company reported $1.401 earnings per share for the quarter, beating the consensus estimate of $1.375 by $0.026.
Is Unity Bancorp overvalued?
According to Wall Street analysts Unity Bancorp’s price is currently Undervalued.
Does Unity Bancorp pay dividends?
Unity Bancorp pays a Quarterly dividend of $0.15 which represents an annual dividend yield of 1.08%. See more information on Unity Bancorp dividends here
What is Unity Bancorp’s EPS estimate?
Unity Bancorp’s EPS estimate is 1.44.
How many shares outstanding does Unity Bancorp have?
Unity Bancorp has 10,040,902 shares outstanding.
What happened to Unity Bancorp’s price movement after its last earnings report?
Unity Bancorp reported an EPS of $1.401 in its last earnings report, beating expectations of $1.375. Following the earnings report the stock price went down -2.205%.
Which hedge fund is a major shareholder of Unity Bancorp?
Currently, no hedge funds are holding shares in UNTY
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Unity Bancorp Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$64.67 (17.34% Upside)
$64.67 (17.34% Upside)
Blogger Sentiment
Bullish
UNTY Sentiment 75%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 24.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $468.5K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
18.23%
12-Months-Change
Fundamentals
Return on Equity
17.87%
Trailing 12-Months
Asset Growth
9.37%
Trailing 12-Months
Company Description
Unity Bancorp
Unity Bancorp, Inc. operates as the holding company for Unity Bank that provides commercial and retail banking products and services to individuals, small and medium sized businesses, and professional communities. The company offers personal and business checking accounts, time deposits, money market accounts, and regular savings accounts, as well as noninterest and interest-bearing demand deposits. It also provides small business administration loans; commercial loans; and residential mortgage and consumer loans, including residential real estate, home equity lines and loans, and residential construction lines, as well as personal loans. the company offered its services through the Internet and nineteen branch offices located in Bergen, Hunterdon, Middlesex, Somerset, Union, and Warren counties in New Jersey, as well as Northampton County, Pennsylvania. Unity Bancorp, Inc. was incorporated in 1991 and is based in Clinton, New Jersey.
UNTY Stock 12 Month Forecast
Average Price Target
$64.67
▲(17.34% Upside)
Technical Analysis
Bar Harbor Bankshares
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Northrim Bancorp
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Peapack-Gladstone Financial
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Peoples Financial Services
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Ownership Overview
45.34% Insiders
11.05% Mutual Funds
12.91% Other Institutional Investors
18.81% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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