Unity Bancorp, Inc.

Unity Bancorp, Inc.

UNTYยทNASDAQ

$52.76

-3.6%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$529.76M
EPS5.7800
P/E Ratio9.13
Earnings Date07/10/2026
0.31%
Dividend Yield
10%
3Y-39.0%
5Y-12.0%
10Y+5.0%
11.21%
Dividend Payout Ratio
19%
3Y-5.0%
5Y+19.0%
10Y-
3Y+29.0%
5Y+79.0%
10Y+362.0%
Unity Bancorp, Inc.

Unity Bancorp, Inc. Dividend History

UNTY ยท NASDAQ
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

UNTY Dividend Payment History

UNTY ยท NASDAQ

Total Payments

50

Latest Dividend

$0.1600

Annual Amount

$0.7600

Frequency

Quarterly

DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
May 21, 2026
Jun 4, 2026Jun 18, 2026
$0.1600
$0.1600
Quarterly0.00%
Feb 26, 2026
Mar 6, 2026Mar 20, 2026
$0.1600
$0.1600
Quarterly+6.67%
Nov 20, 2025
Dec 5, 2025Dec 19, 2025
$0.1500
$0.1500
Quarterly0.00%
Aug 21, 2025
Sep 5, 2025Sep 19, 2025
$0.1500
$0.1500
Quarterly+7.14%
May 22, 2025
Jun 6, 2025Jun 20, 2025
$0.1400
$0.1400
Quarterly0.00%
Feb 27, 2025
Mar 14, 2025Mar 28, 2025
$0.1400
$0.1400
Quarterly+7.69%
Nov 21, 2024
Dec 13, 2024Dec 31, 2024
$0.1300
$0.1300
Quarterly0.00%
Aug 15, 2024
Sep 6, 2024Sep 20, 2024
$0.1300
$0.1300
Quarterly0.00%
May 16, 2024
Jun 7, 2024Jun 21, 2024
$0.1300
$0.1300
Quarterly0.00%
Feb 22, 2024
Mar 15, 2024Mar 29, 2024
$0.1300
$0.1300
Quarterly+8.33%
Nov 16, 2023
Dec 15, 2023Dec 29, 2023
$0.1200
$0.1200
Quarterly0.00%
Aug 17, 2023
Sep 8, 2023Sep 22, 2023
$0.1200
$0.1200
Quarterly0.00%
Apr 27, 2023
Jun 9, 2023Jun 23, 2023
$0.1200
$0.1200
Quarterly0.00%
Feb 16, 2023
Mar 10, 2023Mar 24, 2023
$0.1200
$0.1200
Quarterly+9.09%
Nov 17, 2022
Dec 16, 2022Dec 30, 2022
$0.1100
$0.1100
Quarterly0.00%
Aug 25, 2022
Sep 9, 2022Sep 23, 2022
$0.1100
$0.1100
Quarterly0.00%
Apr 28, 2022
Jun 10, 2022Jun 24, 2022
$0.1100
$0.1100
Quarterly+10.00%
Feb 24, 2022
Mar 11, 2022Mar 25, 2022
$0.1000
$0.1000
Quarterly0.00%
Nov 18, 2021
Dec 17, 2021Dec 31, 2021
$0.1000
$0.1000
Quarterly+11.11%
Aug 26, 2021
Sep 10, 2021Sep 24, 2021
$0.0900
$0.0900
Quarterly0.00%
May 27, 2021
Jun 11, 2021Jun 25, 2021
$0.0900
$0.0900
Quarterly+12.50%
Feb 25, 2021
Mar 12, 2021Mar 26, 2021
$0.0800
$0.0800
Quarterly0.00%
Nov 19, 2020
Dec 17, 2020Dec 31, 2020
$0.0800
$0.0800
Quarterly0.00%
Aug 27, 2020
Sep 11, 2020Sep 25, 2020
$0.0800
$0.0800
Quarterly0.00%
Apr 23, 2020
Jun 12, 2020Jun 26, 2020
$0.0800
$0.0800
Quarterly0.00%
Feb 27, 2020
Mar 13, 2020Mar 27, 2020
$0.0800
$0.0800
Quarterly0.00%
Nov 21, 2019
Dec 13, 2019Dec 27, 2019
$0.0800
$0.0800
Quarterly0.00%
Aug 22, 2019
Sep 13, 2019Sep 27, 2019
$0.0800
$0.0800
Quarterly0.00%
Apr 25, 2019
Jun 14, 2019Jun 28, 2019
$0.0800
$0.0800
Quarterly+14.29%
Feb 28, 2019
Mar 15, 2019Mar 29, 2019
$0.0700
$0.0700
Quarterly0.00%
Nov 29, 2018
Dec 14, 2018Dec 28, 2018
$0.0700
$0.0700
Quarterly0.00%
Aug 23, 2018
Sep 14, 2018Sep 28, 2018
$0.0700
$0.0700
Quarterly0.00%
Apr 26, 2018
Jun 15, 2018Jun 29, 2018
$0.0700
$0.0700
Quarterly+16.67%
Feb 22, 2018
Mar 16, 2018Mar 30, 2018
$0.0600
$0.0600
Quarterly0.00%
Nov 16, 2017
Dec 15, 2017Dec 29, 2017
$0.0600
$0.0600
Quarterly0.00%
Aug 24, 2017
Sep 15, 2017Sep 29, 2017
$0.0600
$0.0600
Quarterly0.00%
Apr 28, 2017
Jun 15, 2017Jun 29, 2017
$0.0600
$0.0600
Quarterly+20.00%
Feb 24, 2017
Mar 17, 2017Mar 31, 2017
$0.0500
$0.0500
Quarterly0.00%
Nov 21, 2016
Dec 16, 2016Dec 30, 2016
$0.0500
$0.0500
Quarterly+11.11%
Aug 26, 2016
Sep 13, 2016Sep 29, 2016
$0.0500
$0.0450
Quarterly+25.00%
May 31, 2016
Jun 16, 2016Jun 30, 2016
$0.0400
$0.0360
Quarterly0.00%
Feb 26, 2016
Mar 17, 2016Mar 31, 2016
$0.0400
$0.0360
Quarterly0.00%
Nov 20, 2015
Dec 15, 2015Dec 30, 2015
$0.0400
$0.0360
Quarterly0.00%
Aug 28, 2015
Sep 15, 2015Sep 30, 2015
$0.0400
$0.0360
Quarterly+33.33%
May 26, 2015
Jun 15, 2015Jun 30, 2015
$0.0300
$0.0270
Quarterly0.00%
Feb 27, 2015
Mar 16, 2015Mar 31, 2015
$0.0300
$0.0270
Quarterly0.00%
Nov 20, 2014
Dec 8, 2014Dec 19, 2014
$0.0300
$0.0270
Quarterly0.00%
Aug 28, 2014
Sep 12, 2014Sep 26, 2014
$0.0300
$0.0270
Quarterly+50.00%
May 29, 2014
Jun 13, 2014Jun 27, 2014
$0.0200
$0.0180
Quarterly0.00%
Feb 27, 2014
Mar 17, 2014Mar 31, 2014
$0.0200
$0.0180
Quarterly-
unty

Unity Bancorp, Inc. Payout Ratio Analysis

UNTY ยท NASDAQ
Dividends Paid
-5.61M
2025
Net Income
57.95M
2025
Payout Ratio
9.68%
2025

Dividend Sustainability Analysis

Payout Ratio
9.68%

Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.

FCF Payout Ratio
12.6%

Excellent FCF coverage. Dividend is well-supported by actual cash generation with ample room for increases and business reinvestment.

Dividend Growth
-11.7%

Significant dividend reduction signals serious challenges. Company prioritizing financial stability over shareholder returns. High risk of further cuts.

Sustainability
Good

Sustainable dividend with adequate coverage. Some areas for improvement but overall appears safe for dividend investors.

Key Insight

Recent dividend cut signals distress: Management forced to reduce payout, indicating financial pressure. Evaluate whether business challenges are temporary or structural before reinvesting.