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$43.06 - $57.30
Previous CloseN/A
Volume11.41K
Average Volume (3M)44.24K
Market Cap
$563.50M
Enterprise Value$590.31M
Total Cash (Recent Filing)$344.43M
Total Debt (Recent Filing)$258.58M
Price to Earnings (P/E)9.3
Beta0.90
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 Cap1.05
Enterprise Value/Revenue2.80
Enterprise Value/Gross Profit4.39
Enterprise Value/Ebitda7.35
Forecast
1Y Price Target
$63.00Price Target Upside14.32% 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 ReturnsPersistent high margins and double-digit ROE indicate durable earnings power from core banking spreads and efficient operations. Sustained profitability supports internal capital generation for lending, cushions cyclical shocks, and underpins consistent dividend capability over the next several quarters.
Improved Leverage And Capital BaseMaterial reduction in leverage lowers balance-sheet risk and expands strategic flexibility. A stronger equity base supports asset growth and regulatory cushions, enabling the bank to pursue lending opportunities and sustain capital returns without excessive reliance on costly external funding.
Healthy Loan And Deposit Growth With Efficiency GainsConsistent loan and deposit expansion combined with a low efficiency ratio point to scalable core franchise growth and disciplined cost control. This mix supports net interest income expansion and margin preservation, making earnings growth more sustainable than for peers with weaker funding or cost discipline.
Bears Say
Weakening Cash-flow MomentumAlthough profits largely convert to cash today, negative free-cash-flow growth and declining operating cash flow from 2023–2025 signal weakening cash-generation momentum. That reduces slack for loan growth, provisioning flexibility, buybacks or higher dividends if trends persist over coming quarters.
Margin Compression And Growth VolatilityEarnings margins and growth have proven cyclical, with margins below prior peaks and TTM growth appearing abnormally elevated versus trend. Persistent compression or reversion to lower growth would make earnings less predictable and constrain long-term capital generation and dividend sustainability.
Concentrated Regional FranchiseHeavy geographic focus on New Jersey regional markets concentrates credit and deposit risk to local economic cycles and CRE exposures. Limited geographic and product diversification can amplify downturn impacts, slowing recovery and limiting scale advantages vs larger, more diversified banks.
Unity Bancorp News
UNTY FAQ
What was Unity Bancorp’s price range in the past 12 months?
Unity Bancorp lowest stock price was $43.05 and its highest was $57.30 in the past 12 months.
What is Unity Bancorp’s market cap?
Unity Bancorp’s market cap is $563.50M.
When is Unity Bancorp’s upcoming earnings report date?
Unity Bancorp’s upcoming earnings report date is Jul 10, 2026 which is in 29 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 $0.16 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 -2.204%.
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
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7
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9
10
Analyst Consensus
Strong 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
Increased
By 24.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $556.9K 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
17.87%
Trailing 12-Months
Asset Growth
9.37%
Trailing 12-Months
Company Description
Unity Bancorp
As the parent entity of Unity Bank, Unity Bancorp, Inc. delivers a comprehensive range of commercial and retail banking solutions, catering to individual consumers, small and mid-sized enterprises, and professional organizations. Its product portfolio encompasses various deposit accounts, such as personal and business checking, certificates of deposit (time deposits), money market accounts, and traditional savings accounts, alongside both interest-earning and non-interest-bearing demand deposit options. Furthermore, the bank extends a variety of lending products, including Small Business Administration (SBA) loans, commercial financing, and consumer credit facilities, which feature residential mortgages, home equity lines of credit and loans, residential construction financing, and personal loans. Customers can access these services both online and through its network of nineteen physical branches, strategically situated across Bergen, Hunterdon, Middlesex, Somerset, Union, and Warren counties in New Jersey, and Northampton County in Pennsylvania. Established in 1991, Unity Bancorp, Inc. maintains its corporate headquarters in Clinton, New Jersey.
UNTY Stock 12 Month Forecast
Average Price Target
$63.00
▲(14.32% Upside)
Technical Analysis
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Ownership Overview
45.34% Insiders
11.27% Mutual Funds
12.91% Other Institutional Investors
18.51% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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