Education
About Us
Working with TipRanks
Follow Us
Unity Bancorp (UNTY)
NASDAQ:UNTY
UNTY Stock Chart & Stats
$50.41
$0.71(1.73%)
At close: 4:00 PM EST
$50.41
$0.71(1.73%)
Day’s Range― - ―
52-Week Range$36.65 - $57.30
Previous CloseN/A
Volume11.41K
Average Volume (3M)44.24K
Market Cap
$504.83M
Enterprise Value$555.55M
Total Cash (Recent Filing)$340.53M
Total Debt (Recent Filing)$266.08M
Price to Earnings (P/E)8.4
Beta0.90
Next Earnings
Apr 09, 2026EPS Estimate
1.37Next Dividend Ex-DateN/A
Dividend Yield1.08%
Share Statistics
EPS (TTM)1.41
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 Cap1.10
Enterprise Value/Revenue2.70
Enterprise Value/Gross Profit4.28
Enterprise Value/Ebitda7.19
Forecast
1Y Price Target
$65.00Price Target Upside28.94% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)5.78
Revenue Forecast (FY)$139.83M
Bulls Say, Bears Say
Bulls Say
High And Improving ProfitabilitySustained higher net margins and mid-teens ROE provide a durable earnings buffer versus peers. Improved profitability supports internal capital generation, funds dividends and loan growth, and reduces sensitivity to modest revenue lapses, strengthening the bank’s long-term franchise.
Healthier Balance Sheet With Lower LeverageMeaningfully lower debt-to-equity increases resilience to funding and credit shocks. A de-levered position preserves capital flexibility for lending or buybacks, reduces refinancing risk, and supports regulatory/commercial stability across economic cycles over the coming months.
Shareholder-friendly Dividend IncreaseA board-authorized dividend raise signals management confidence in capital and earnings durability. For a regional bank, sustainable dividends reflect disciplined capital management and bolster investor trust, implying the bank expects ongoing cash generation to support payouts.
Bears Say
2025 Revenue ContractionA material revenue decline reduces operating leverage and limits funds available for reinvestment or provisioning. If revenue headwinds persist, the bank must rely more on margin expansion or cost cuts, which can be difficult to sustain and may constrain durable growth over the next several quarters.
Free Cash Flow DeteriorationA sharp drop in free cash flow tightens the cushion for dividends, loan loss reserves, and strategic investments. With operating cash flow small relative to assets, sustained FCF weakness would reduce flexibility to pursue growth or absorb shocks without altering capital returns or leverage.
Historic Leverage VolatilityRecurring swings in leverage indicate cyclical balance-sheet management and potential sensitivity to funding or credit cycles. Such volatility raises the risk that adverse conditions could force rapid de-risking, asset sales, or capital actions that impair strategic consistency over months.
Unity Bancorp News
UNTY FAQ
What was Unity Bancorp’s price range in the past 12 months?
Unity Bancorp lowest stock price was $36.65 and its highest was $57.30 in the past 12 months.
What is Unity Bancorp’s market cap?
Unity Bancorp’s market cap is $504.83M.
When is Unity Bancorp’s upcoming earnings report date?
Unity Bancorp’s upcoming earnings report date is Apr 09, 2026 which is in 29 days.
How were Unity Bancorp’s earnings last quarter?
Unity Bancorp released its earnings results on Jan 13, 2026. The company reported $1.41 earnings per share for the quarter, beating the consensus estimate of $1.357 by $0.053.
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 1.37.
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 $1.41 in its last earnings report, beating expectations of $1.357. Following the earnings report the stock price went up 4.194%.
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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$65.00 (28.94% Upside)
$65.00 (28.94% Upside)
Blogger Sentiment
Bullish
UNTY Sentiment 66%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 28.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $448.2K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
18.23%
12-Months-Change
Fundamentals
Return on Equity
17.76%
Trailing 12-Months
Asset Growth
11.79%
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
$65.00
▲(28.94% Upside)
Technical Analysis
Bar Harbor Bankshares
―
Northfield Bancorp
―
Northrim Bancorp
―
Peapack-Gladstone Financial
―
Peoples Financial Services
―
Ownership Overview
45.28% Insiders
11.07% Mutual Funds
11.07% Other Institutional Investors
21.16% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---