UNTY - NASDAQ

Unity Bancorp, Inc.

UNTY·NASDAQ

$54.73

-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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$549.54M

EPS5.7800

P/E Ratio8.95

Earnings Date07/10/2026

2.97B

Assets

12%

3Y+21.0%

5Y+51.0%

10Y+149.0%

2.62B

Total Liabilities

11%

3Y+19.0%

5Y+47.0%

10Y+142.0%

345.63M

Total Equity

17%

3Y+44.0%

5Y+99.0%

10Y+225.0%

Unity Bancorp, Inc. Funding & Solvency Profile

UNTY · NASDAQ

Current Assets

Cash & Cash Equivalents216.52M

Net Receivables12.90M

Inventory0.00

Other Current Assets0.00

Total Current Assets378 M

Non-Current Assets

Property, Plant & Equipment18.02M

Goodwill & Intangible Assets1.52M

Long-Term Investments14.31M

Other Non-Current Assets2.54B

Total Non-Current Assets3 B

Total Assets

2.97B

Financial Health Analysis

Current Ratio

0.16x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

7.58x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1977167000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

13% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Unity Bancorp, Inc. Balance Sheet

UNTY • NASDAQ

Unity Bancorp, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	216.5M	180.4M	194.8M	114.8M	244.8M	22.8M	21.1M	20M	23.7M	22.1M	22.7M	29.4M	24.3M	23.7M	17.7M	17.6M	73.6M	18.9M	14.3M	14.7M
Short-Term Investments	124M	15.5M	91.8M	95.4M	56.5M	45.6M	64.3M	46.7M	52.3M	40.6M	52.9M	60.1M	81.1M	89.5M	88.8M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	340.5M	196M	286.5M	210.2M	301.3M	68.4M	85.4M	66.7M	76M	62.7M	75.5M	89.4M	105.4M	113.2M	106.5M	17.6M	73.6M	18.9M	14.3M	14.7M
Net Receivables	12.9M	12.7M	13.6M	13.4M	9.6M	11.5M	7.3M	6.6M	5.5M	4.7M	4.1M	3.8M	3.7M	4.1M	4.4M	3.8M	4.2M	4.7M	4.4M	4.3M
Accounts Receivables	12.9M	12.7M	13.6M	13.4M	9.6M	10.4M	7M	6.4M	5.4M	4.5M	3.9M	3.5M	3.3M	3.3M	3.7M	3.8M	4.2M	4.7M	4M	3.9M
Other Receivables	0.0	0.0	0.0	0.0	0.0	1M	281K	151K	45K	236K	226K	318K	429K	758K	696K	0.0	0.0	0.0	388K	350K
Prepaids	24.3M	0.0	0.0	9.1M	6M	2.7M	1.9M	2.8M	2.2M	2M	516K	399K	481K	2.3M	3M	3.3M	4.7M	0.0	0.0	0.0
Total Current Assets	377.8M	208.7M	300.1M	232.7M	316.9M	82.5M	94.5M	76.1M	83.7M	69.4M	80.2M	93.7M	109.6M	119.6M	113.8M	24.7M	82.6M	23.6M	18.7M	19M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	18M	18.8M	19.6M	20M	25.1M	22.6M	24.1M	23.4M	23.5M	23.4M	15.2M	15.2M	15.7M	12.1M	11.4M	11M	11.8M	12.6M	12.1M	11.6M
Goodwill	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	0.0	0.0	1.6M	1.6M	1.6M	1.6M
Intangible Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	16K	16K	16K	16K	1.5M	1.5M	0.0	1.5M	0.0	0.0
Goodwill & Intangible Assets	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.5M	1.6M	3.1M	1.6M	1.6M
Long-Term Investments	14.3M	2.4B	2.2B	2.1B	1.7B	1.6B	1.4B	1.3B	1.2B	983M	894.7M	769.3M	691.9M	593.8M	595M	729.8M	812.2M	825.1M	680.3M	608.5M
Tax Assets	14.6M	14.1M	12.6M	12.3M	10M	9.2M	5.6M	5.4M	4M	5.5M	6M	5.9M	6.8M	6M	6.9M	7.6M	7.3M	5.7M	0.0	0.0
Other Non-Current Assets	2.5B	47.6M	54.6M	51.4M	29.8M	236.5M	181.5M	165.3M	166.8M	107.1M	87.4M	123.2M	95.7M	86.8M	82.2M	43.8M	14.9M	29.8M	39.4M	53.4M
Total Non-Current Assets	2.6B	2.4B	2.3B	2.2B	1.7B	1.9B	1.6B	1.5B	1.4B	1.1B	1B	915.1M	811.5M	700.1M	697M	793.7M	847.8M	874.7M	733.5M	675.1M
Total Assets	3B	2.7B	2.6B	2.4B	2B	2B	1.7B	1.6B	1.5B	1.2B	1.1B	1B	921.1M	819.7M	810.8M	818.4M	930.4M	898.3M	752.2M	694.1M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	1.7M	1.9M	691K	129K	248K	455K	406K	436K	430K	461K	474K	454K	434K	523K	556K	710K	805K	635K	475K
Accounts Payable	0.0	1.7M	1.9M	691K	129K	248K	455K	406K	436K	430K	461K	474K	454K	434K	523K	556K	710K	805K	635K	475K
Accrued Expenses	28.7M	0.0	24.3M	24.2M	13.4M	8.4M	14.4M	12.3M	8.5M	6.2M	4M	3.4M	2.3M	2.6M	2.3M	2.5M	3.1M	2.1M	0.0	0.0
Short Term Debt	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	15M	15M	15M	45M	45M	45M	75M	85M	105M	0.0	0.0
Tax Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-1.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	2.3B	2.1B	1.9B	1.8B	1.8B	1.6B	1.3B	1.2B	1B	945.7M	894.5M	794.3M	738.7M	648.8M	644M	654.8M	758.2M	707.1M	601.3M	566.5M
Total Current Liabilities	2.4B	2.1B	2B	1.8B	1.8B	1.6B	1.3B	1.2B	1.1B	967.3M	913.9M	813.2M	786.5M	696.8M	691.8M	732.9M	847M	815M	601.9M	566.9M
NON-CURRENT LIABILITIES
Long Term Debt	266.1M	230.8M	366.7M	393.3M	50.3M	210.3M	293.3M	220.3M	285.3M	131.3M	92.5M	125.5M	77.5M	45.5M	45.5M	15.5M	15.5M	15.5M	100.5M	79.7M
Deferred Revenue (Non-Current)	0.0	0.0	0.0	0.0	1.4M	926K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	0.0	25.6M	0.0	-5.6M	-1.4M	4.7M	0.0	0.0	0.0	-15M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.6M	1.2M
Total Non-Current Liabilities	266.1M	256.4M	366.7M	393.3M	55.6M	218.4M	293.3M	220.3M	285.3M	116.3M	92.5M	125.5M	77.5M	45.5M	45.5M	15.5M	15.5M	15.5M	103M	80.9M
Capital Lease Obligations	0.0	0.0	0.0	5.6M	5.3M	2.4M	2.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	2.6B	2.4B	2.3B	2.2B	1.8B	1.8B	1.6B	1.4B	1.3B	1.1B	1B	938.7M	863.9M	742.2M	737.3M	748.3M	862.5M	830.5M	704.9M	647.9M
SHAREHOLDERS' EQUITY
Treasury Stock	-3.1M	-33.6M	-27.4M	-11.7M	-11.6M	-7.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-4.2M	-4.2M	-4.2M	-4.2M	-242K
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	20.1M	19.5M	19M	18.5M	18.1M	0.0	0.0
Common Stock	105.9M	103.9M	100.4M	97.2M	94M	91.9M	90.1M	88.5M	86.8M	85.4M	59.4M	58.8M	52.1M	54.3M	53.7M	0.0	0.0	0.0	0.0	44.3M
Additional Paid-In Capital	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	53.7M	55.9M	55.5M	55.2M	49.4M	0.0
Retained Earnings	243.9M	227.3M	191.1M	157M	123M	90.7M	70.4M	50.2M	31.1M	20.7M	19.6M	11.2M	5.6M	1.8M	-854K	-772K	-1.5M	1.1M	2.5M	3M
Accumulated Other Comprehensive Income/Loss	-1.1M	-2.1M	-2.7M	-3.3M	322K	-1.2M	154K	-157K	206K	160K	-467K	143K	-476K	1.3M	-52.6M	123K	-461K	-2.4M	-490K	-824K
Total Stockholders' Equity	345.6M	295.6M	261.4M	239.2M	205.7M	173.9M	160.7M	138.5M	118.1M	106.3M	78.5M	70.1M	57.2M	77.5M	73.6M	70.1M	67.9M	67.8M	47.3M	46.2M
Total Equity	345.6M	295.6M	261.4M	239.2M	205.7M	173.9M	160.7M	138.5M	118.1M	106.3M	78.5M	70.1M	57.2M	77.5M	73.6M	70.1M	67.9M	67.8M	47.3M	46.2M
SUMMARY
Total Liabilities & Equity	3B	2.7B	2.6B	2.4B	2B	2B	1.7B	1.6B	1.5B	1.2B	1.1B	1B	921.1M	819.7M	810.8M	818.4M	930.4M	898.3M	752.2M	694.1M
Total Investments	138.3M	2.4B	2.3B	2.2B	1.7B	1.7B	1.5B	1.4B	1.2B	1B	947.5M	829.4M	773.1M	683.3M	683.8M	729.8M	812.2M	825.1M	680.3M	608.5M
Total Debt	266.1M	230.8M	366.7M	398.9M	55.6M	212.7M	293.3M	220.3M	285.3M	146.3M	107.5M	140.5M	122.5M	90.5M	90.5M	90.5M	100.5M	120.5M	100.5M	79.7M
Net Debt	49.6M	50.4M	172M	284.1M	-189.2M	190M	272.2M	200.3M	261.6M	124.2M	84.8M	111.1M	98.2M	66.8M	72.8M	72.8M	26.8M	101.6M	86.1M	65M
Shares Outstanding	10,032,077	10,032,077	10,032,077	10,032,077	10,032,077	10,032,077	10,032,077	10,032,077	10,032,077	10,032,077	10,032,077	10,032,077	10,032,077	10,032,077	10,032,077	10,032,077	10,032,077	10,032,077	10,032,077	10,032,077

SEC Filings

UNTY - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 21, 2026	May 21, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 07, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 23, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 22, 2026	April 22, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 14, 2026	April 14, 2026	2026	View Filing
DEF 14A DEF 14A 2025 N/A	March 06, 2026	December 31, 2025	2025	View Filing
10-K 10-K 2025 FY FY	March 04, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 26, 2026	February 26, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 13, 2026	January 13, 2026	2026	View Filing
8-K 8-K 2025 N/A	December 18, 2025	December 18, 2025	2025	View Filing

Showing 1 to 10 of 539 filings

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