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Total Valuation
Unity Bancorp has a market cap or net worth of $591.31M. The enterprise value is $580.27M.
Market Cap$591.31M
Enterprise Value$580.27M
Share Statistics
Unity Bancorp has 10,040,902 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding10,040,902
Owned by Insiders45.34%
Owned by Institutions1.41%
Financial Efficiency
Unity Bancorp’s return on equity (ROE) is 0.17 and return on invested capital (ROIC) is 9.47%.
Return on Equity (ROE)0.17
Return on Assets (ROA)0.02
Return on Invested Capital (ROIC)9.47%
Return on Capital Employed (ROCE)0.12
Revenue Per Employee778.54K
Profits Per Employee239.47K
Employee Count242
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Unity Bancorp is 10.1. Unity Bancorp’s PEG ratio is 0.22.
PE Ratio10.1
PS Ratio2.75
PB Ratio1.50
Price to Fair Value1.50
Price to FCF11.70
Price to Operating Cash Flow8.81
PEG Ratio0.22
Income Statement
In the last 12 months, Unity Bancorp had revenue of 188.41M and earned 57.95M in profits. Earnings per share was 5.78.
Revenue188.41M
Gross Profit127.87M
Operating Income75.51M
Pretax Income75.51M
Net Income57.95M
EBITDA78.32M
Earnings Per Share (EPS)5.78
Cash Flow
In the last 12 months, operating cash flow was 67.29M and capital expenditures -1.38M, giving a free cash flow of 65.91M billion.
Operating Cash Flow67.29M
Free Cash Flow65.91M
Free Cash Flow per Share6.56
Dividends & Yields
Unity Bancorp pays an annual dividend of $0.16, resulting in a dividend yield of 1.05%
Dividend Per Share$0.16
Dividend Yield1.05%
Payout Ratio11.15%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.95
52-Week Price Change25.01%
50-Day Moving Average56.65
200-Day Moving Average52.89
Relative Strength Index (RSI)59.10
Average Volume (3m)44.24K
Important Dates
Unity Bancorp upcoming earnings date is Jan 21, 2027, TBA (Confirmed).
Last Earnings DateJul 14, 2026
Next Earnings DateJan 21, 2027
Ex-Dividend Date―
Financial Position
Unity Bancorp as a current ratio of 0.16, with Debt / Equity ratio of 87.79%
Current Ratio0.16
Quick Ratio0.16
Debt to Market Cap0.51
Net Debt to EBITDA0.63
Interest Coverage Ratio1.33
Taxes
In the past 12 months, Unity Bancorp has paid 17.56M in taxes.
Income Tax17.56M
Effective Tax Rate0.23
Enterprise Valuation
Unity Bancorp EV to EBITDA ratio is 7.26, with an EV/FCF ratio of 12.82.
EV to Sales3.02
EV to EBITDA7.26
EV to Free Cash Flow12.82
EV to Operating Cash Flow12.66
Balance Sheet
Unity Bancorp has $369.62M in cash and marketable securities with $326.43M in debt, giving a net cash position of $43.19M billion.
Cash & Marketable Securities$369.62M
Total Debt$326.43M
Net Cash$43.19M
Net Cash Per Share$4.30
Tangible Book Value Per Share$34.30
Margins
Gross margin is 63.36%, with operating margin of 40.08%, and net profit margin of 30.76%.
Gross Margin63.36%
Operating Margin40.08%
Pretax Margin40.08%
Net Profit Margin30.76%
EBITDA Margin41.57%
EBIT Margin40.08%
Analyst Forecast
The average price target for Unity Bancorp is $69.00, which is 11.43% higher than the current price. The consensus rating is Strong Buy
Price Target$69.00
Price Target Upside18.88% Upside
Analyst ConsensusStrong Buy
Analyst Count4
Revenue Growth Forecast10.15%
EPS Growth Forecast16.03%