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Unity Bancorp (UNTY)
NASDAQ:UNTY

Unity Bancorp (UNTY) Stock Statistics & Valuation Metrics

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Total Valuation

Unity Bancorp has a market cap or net worth of $500.92M. The enterprise value is $551.64M.
Market Cap$500.92M
Enterprise Value$551.64M

Share Statistics

Unity Bancorp has 10,016,427 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding10,016,427
Owned by Insiders45.28%
Owned by Institutions11.07%

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 Employee829.99K
Profits Per Employee255.29K
Employee Count227
Asset Turnover0.06
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Unity Bancorp is 8.4. Unity Bancorp’s PEG ratio is 0.22.
PE Ratio8.4
PS Ratio2.75
PB Ratio1.50
Price to Fair Value1.50
Price to FCF11.70
Price to Operating Cash Flow11.15
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
EBITDA75.51M
Earnings Per Share (EPS)5.78

Cash Flow

In the last 12 months, operating cash flow was 44.91M and capital expenditures -1.43M, giving a free cash flow of 43.48M billion.
Operating Cash Flow44.91M
Free Cash Flow43.48M
Free Cash Flow per Share4.34

Dividends & Yields

Unity Bancorp pays an annual dividend of $0.15, resulting in a dividend yield of 1.08%
Dividend Per Share$0.15
Dividend Yield1.08%
Payout Ratio12.11%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.91
52-Week Price Change20.29%
50-Day Moving Average53.04
200-Day Moving Average50.06
Relative Strength Index (RSI)34.16
Average Volume (3m)44.24K

Important Dates

Unity Bancorp upcoming earnings date is Apr 9, 2026, TBA (Confirmed).
Last Earnings DateJan 13, 2026
Next Earnings DateApr 9, 2026
Ex-Dividend Date

Financial Position

Unity Bancorp as a current ratio of 0.16, with Debt / Equity ratio of 76.98%
Current Ratio0.16
Quick Ratio0.16
Debt to Market Cap0.51
Net Debt to EBITDA0.66
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 7.53, with an EV/FCF ratio of 12.82.
EV to Sales3.02
EV to EBITDA7.53
EV to Free Cash Flow12.82
EV to Operating Cash Flow12.66

Balance Sheet

Unity Bancorp has $340.53M in cash and marketable securities with $266.08M in debt, giving a net cash position of $74.45M billion.
Cash & Marketable Securities$340.53M
Total Debt$266.08M
Net Cash$74.45M
Net Cash Per Share$7.43
Tangible Book Value Per Share$34.30

Margins

Gross margin is 63.07%, with operating margin of 40.08%, and net profit margin of 30.76%.
Gross Margin63.07%
Operating Margin40.08%
Pretax Margin40.08%
Net Profit Margin30.76%
EBITDA Margin40.08%
EBIT Margin40.08%

Analyst Forecast

The average price target for Unity Bancorp is $65.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$65.00
Price Target Upside29.97% Upside
Analyst ConsensusModerate Buy
Analyst Count2
Revenue Growth Forecast11.38%
EPS Growth Forecast36.10%

Scores

Smart Score4
AI Score