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Unity Bancorp (UNTY)
NASDAQ:UNTY
US Market
UNTY
Unity Bancorp
RESEARCH TOOLSreports

Unity Bancorp (UNTY) Ratios

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146 Followers

Unity Bancorp Ratios

UNTY's free cash flow for Q3 2025 was $0.51. For the 2025 fiscal year, UNTY's free cash flow was decreased by $ and operating cash flow was $0.30. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
 0.16 0.10 0.15 185.96 714.10
Quick Ratio
 0.16 0.10 0.15 371.48 2.70K
Cash Ratio
 0.09 0.09 0.10 28.51 201.96
Solvency Ratio
 0.02 0.02 0.02 0.02 0.02
Operating Cash Flow Ratio
 0.03 0.02 0.02 61.75 181.81
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -2.24B$ -2.15B$ -2.02B$ -2.08B$ -1.74B
Leverage Ratios
Debt-to-Assets Ratio
 0.09 0.09 0.14 0.16 0.02
Debt-to-Equity Ratio
 0.77 0.78 1.40 1.64 0.24
Debt-to-Capital Ratio
 0.43 0.44 0.58 0.62 0.20
Long-Term Debt-to-Capital Ratio
 0.43 0.44 0.58 0.62 0.20
Financial Leverage Ratio
 8.58 8.98 9.86 10.22 9.89
Debt Service Coverage Ratio
 1.05 0.77 0.87 3.88 4.87
Interest Coverage Ratio
 1.35 0.95 1.09 5.84 6.22
Debt to Market Cap
 0.49 0.53 1.21 1.37 0.18
Interest Debt Per Share
 32.24 28.71 40.68 38.44 5.58
Net Debt to EBITDA
 0.64 0.88 3.11 6.90 0.49
Profitability Margins
Gross Profit Margin
63.07%62.55%65.72%100.00%100.00%
EBIT Margin
36.67%33.35%35.16%52.67%55.11%
EBITDA Margin
37.50%34.94%36.74%55.49%56.95%
Operating Profit Margin
37.18%33.35%35.16%63.57%55.11%
Pretax Profit Margin
36.67%33.35%35.16%52.67%55.11%
Net Profit Margin
28.15%25.42%26.35%39.39%41.36%
Continuous Operations Profit Margin
28.14%25.42%26.35%39.39%41.36%
Net Income Per EBT
76.75%76.21%74.93%74.79%75.04%
EBT Per EBIT
98.65%100.00%100.00%82.85%100.00%
Return on Assets (ROA)
1.95%1.56%1.54%1.57%1.78%
Return on Equity (ROE)
17.76%14.02%15.19%16.08%17.56%
Return on Capital Employed (ROCE)
12.51%9.85%8.44%2.54%2.37%
Return on Invested Capital (ROIC)
9.60%7.51%6.32%28.71%18.74%
Return on Tangible Assets
1.95%1.56%1.54%1.57%1.78%
Earnings Yield
10.73%9.48%13.15%13.39%13.23%
Efficiency Ratios
Receivables Turnover
 15.97 12.85 11.10 7.28 9.11
Payables Turnover
 0.00 35.88 26.85 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 11.43 8.68 7.70 4.88 4.39
Asset Turnover
 0.07 0.06 0.06 0.04 0.04
Working Capital Turnover Ratio
 -0.10 -0.09 -0.09 0.89 1.01
Cash Conversion Cycle
 22.86 18.24 19.30 50.11 40.06
Days of Sales Outstanding
 22.86 28.41 32.89 50.11 40.06
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 10.17 13.59 0.00 0.00
Operating Cycle
 22.86 28.41 32.89 50.11 40.06
Cash Flow Ratios
Operating Cash Flow Per Share
 6.10 4.78 4.60 4.06 2.25
Free Cash Flow Per Share
 6.00 4.71 4.50 3.92 2.13
CapEx Per Share
 0.10 0.07 0.09 0.14 0.12
Free Cash Flow to Operating Cash Flow
 0.98 0.99 0.98 0.97 0.95
Dividend Paid and CapEx Coverage Ratio
 9.49 8.40 8.26 7.29 4.80
Capital Expenditure Coverage Ratio
 59.95 69.25 49.12 28.79 18.48
Operating Cash Flow Coverage Ratio
 0.23 0.21 0.13 0.11 0.47
Operating Cash Flow to Sales Ratio
 0.30 0.29 0.31 0.44 0.27
Free Cash Flow Yield
11.09%10.81%15.22%14.34%8.12%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.32 10.55 7.61 7.47 7.56
Price-to-Sales (P/S) Ratio
 2.63 2.68 2.00 2.94 3.13
Price-to-Book (P/B) Ratio
 1.56 1.48 1.16 1.20 1.33
Price-to-Free Cash Flow (P/FCF) Ratio
 9.02 9.25 6.57 6.97 12.31
Price-to-Operating Cash Flow Ratio
 8.84 9.12 6.44 6.73 11.64
Price-to-Earnings Growth (PEG) Ratio
 1.25 1.71 1.21 1.36 0.13
Price-to-Fair Value
 1.56 1.48 1.16 1.20 1.33
Enterprise Value Multiple
 7.66 8.56 8.56 12.20 5.98
Enterprise Value
 591.29M 487.83M 474.00M 660.79M 297.34M
EV to EBITDA
 7.66 8.56 8.56 12.20 5.98
EV to Sales
 2.87 2.99 3.14 6.77 3.40
EV to Free Cash Flow
 9.84 10.31 10.31 16.04 13.40
EV to Operating Cash Flow
 9.68 10.17 10.10 15.49 12.68
Tangible Book Value Per Share
 34.38 29.32 25.46 22.56 19.53
Shareholders’ Equity Per Share
 34.54 29.47 25.61 22.77 19.78
Tax and Other Ratios
Effective Tax Rate
 0.23 0.24 0.25 0.25 0.25
Revenue Per Share
 20.57 16.26 14.77 9.29 8.40
Net Income Per Share
 5.79 4.13 3.89 3.66 3.47
Tax Burden
 0.77 0.76 0.75 0.75 0.75
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.20 0.20 0.21 0.30 0.30
Stock-Based Compensation to Revenue
 <0.01 0.01 0.01 0.02 0.02
Income Quality
 1.13 1.16 1.18 1.11 0.65
Currency in USD