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$41.08 - $57.30
Previous CloseN/A
Volume11.41K
Average Volume (3M)44.24K
Market Cap
$525.16M
Enterprise Value$560.59M
Total Cash (Recent Filing)$340.53M
Total Debt (Recent Filing)$266.08M
Price to Earnings (P/E)9.1
Beta0.88
Next Earnings
Jul 10, 2026EPS Estimate
1.42Next Dividend Ex-DateN/A
Dividend Yield1.08%
Share Statistics
EPS (TTM)1.40
Shares Outstanding10,016,427
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 Cap1.07
Enterprise Value/Revenue2.72
Enterprise Value/Gross Profit4.32
Enterprise Value/Ebitda7.26
Forecast
1Y Price Target
$63.00Price Target Upside14.32% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)5.83
Revenue Forecast (FY)$139.87M
Bulls Say, Bears Say
Bulls Say
Profitability & Margin ExpansionUnity delivered materially higher margins and returns (net margin ~31% in 2025 vs ~25% in 2024; ROE in the mid-teens). Durable margin expansion reflects lending pricing power and cost discipline, supporting sustained earnings generation even if revenue growth softens.
Improving Balance Sheet LeverageSignificantly lower leverage versus the 2022–2023 peak strengthens capital flexibility and resilience. A more conservative debt-to-equity posture reduces funding and regulatory risk, enabling continued lending, dividend distributions, and capital management over the medium term.
Core Loan & Deposit Growth Supporting NIIRobust loan (+12.6% YoY) and deposit (+10.7% YoY) growth, alongside an expanded NIM (4.52%), underpin net interest income—the bank's primary earnings driver. This balance-sheet-led growth is a durable source of revenue, improving earnings stability if credit trends remain healthy.
Bears Say
Revenue Contraction RiskDespite margin gains, revenue declined ~4.9% in 2025, exposing top-line fragility. Sustained or recurring revenue weakness would pressure absolute earnings, limit reinvestment capacity, and increase reliance on margin maintenance or noninterest income to preserve profitability.
Weaker Free Cash Flow & Limited Operating CashA ~25% drop in free cash flow and low operating cash flow relative to assets reduce internal funding for loan growth, loss absorption, or higher shareholder returns. Weaker cash generation constrains flexibility and increases sensitivity to funding or credit stress over time.
Regional Concentration & Scale ConstraintsUnity's community-bank model and regional footprint limit geographic and business diversification and constrain scale economies. Combined with historic leverage volatility, this concentration raises exposure to local economic cycles and can amplify downside in adverse regional conditions.
Unity Bancorp News
UNTY FAQ
What was Unity Bancorp’s price range in the past 12 months?
Unity Bancorp lowest stock price was $41.08 and its highest was $57.30 in the past 12 months.
What is Unity Bancorp’s market cap?
Unity Bancorp’s market cap is $525.16M.
When is Unity Bancorp’s upcoming earnings report date?
Unity Bancorp’s upcoming earnings report date is Jul 10, 2026 which is in 73 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 1.42.
How many shares outstanding does Unity Bancorp have?
Unity Bancorp has 10,016,427 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
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$63.00 (14.32% Upside)
$63.00 (14.32% Upside)
Blogger Sentiment
Bullish
UNTY Sentiment 75%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 28.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $564.1K over
the Last 3 Months
the Last 3 Months
News Sentiment
Bullish
Bullish news 75%
Bearish news 25%
Bearish news 25%
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
$63.00
▲(14.32% 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
45.45% Insiders
11.05% Mutual Funds
1.05% Other Institutional Investors
30.96% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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