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Unity Bancorp, Inc. UNTY
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 43.79
-0.273 %
$ 439 M
Market Cap
10.28
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 22, 2025.

The intrinsic value of one UNTY stock under the worst case scenario is HIDDEN Compared to the current market price of 43.8 USD, Unity Bancorp, Inc. is HIDDEN

UNTY Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 22, 2025.

The intrinsic value of one UNTY stock under the base case scenario is HIDDEN Compared to the current market price of 43.8 USD, Unity Bancorp, Inc. is HIDDEN

UNTY Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 22, 2025.

The intrinsic value of one UNTY stock under the best case scenario is HIDDEN Compared to the current market price of 43.8 USD, Unity Bancorp, Inc. is HIDDEN

UNTY Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart UNTY

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1M 1%
6M --%
1Y 50%
3Y 74%
5Y 228.0%
All
$52.0$52.0$50.0$50.0$48.0$48.0$46.0$46.0$44.0$44.0$42.0$42.0$40.0$40.0$38.0$38.0Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
163 M REVENUE
8.19%
Growth Rates
1Year 8.19%
3Years 19.41%
5Years 14.16%
7Years 14.57%
10Years 13.97%
54.4 M OPERATING INCOME
2.63%
Growth Rates
1Year 2.63%
3Years 4.16%
5Years 12.40%
7Years 13.49%
10Years 19.00%
41.4 M NET INCOME
4.39%
Growth Rates
1Year 4.39%
3Years 4.70%
5Years 11.87%
7Years 18.16%
10Years 20.53%
48 M OPERATING CASH FLOW
2.30%
Growth Rates
1Year 2.30%
3Years 13.84%
5Years 7.64%
7Years 18.71%
10Years 15.14%
-92.8 M INVESTING CASH FLOW
-60.45%
Growth Rates
1Year -60.45%
3Years -31.82%
5Years 6.96%
7Years 11.58%
10Years -4.39%
30.5 M FINANCING CASH FLOW
-66.47%
Growth Rates
1Year -66.47%
3Years -3.08%
5Years -22.97%
7Years -25.94%
10Years -9.09%
42.9 M REVENUE
2.15%
Growth Rates
1Year 8.19%
3Years 19.41%
5Years 14.16%
7Years 14.57%
10Years 13.97%
15.4 M OPERATING INCOME
6.45%
Growth Rates
1Year 2.63%
3Years 4.16%
5Years 12.40%
7Years 13.49%
10Years 19.00%
11.6 M NET INCOME
0.81%
Growth Rates
1Year 4.39%
3Years 4.70%
5Years 11.87%
7Years 18.16%
10Years 20.53%
17.9 M OPERATING CASH FLOW
-22.44%
Growth Rates
1Year 2.30%
3Years 13.84%
5Years 7.64%
7Years 18.71%
10Years 15.14%
-82.8 M INVESTING CASH FLOW
-87.06%
Growth Rates
1Year -60.45%
3Years -31.82%
5Years 6.96%
7Years 11.58%
10Years -4.39%
96.1 M FINANCING CASH FLOW
1241.16%
Growth Rates
1Year -66.47%
3Years -3.08%
5Years -22.97%
7Years -25.94%
10Years -9.09%
Balance Sheet Unity Bancorp, Inc.
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Current Assets 209 M
Cash & Short-Term Investments 196 M
Receivables 12.7 M
Other Current Assets 0
Non-Current Assets 2.45 B
Long-Term Investments 2.36 B
PP&E 18.8 M
Other Non-Current Assets 63.2 M
7.38 %89.05 %Total Assets$2.7b
Current Liabilities 2.1 B
Accounts Payable 1.7 M
Short-Term Debt 0
Other Current Liabilities 2.1 B
Non-Current Liabilities 256 M
Long-Term Debt 231 M
Other Non-Current Liabilities 25.6 M
89.06 %9.79 %Total Liabilities$2.4b
EFFICIENCY
Earnings Waterfall Unity Bancorp, Inc.
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Revenue 163 M
Cost Of Revenue 61.1 M
Gross Profit 102 M
Operating Expenses 47.6 M
Operating Income 54.4 M
Other Expenses 12.9 M
Net Income 41.4 M
180m180m160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m00163m(61m)102m(48m)54m(13m)41mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
62.55% GROSS MARGIN
62.55%
Averages
1Year 62.55%
3Years 71.50%
5Years 76.53%
7Years 76.90%
10Years 78.60%
33.35% OPERATING MARGIN
33.35%
Averages
1Year 33.35%
3Years 38.67%
5Years 40.09%
7Years 38.89%
10Years 37.42%
25.42% NET MARGIN
25.42%
Averages
1Year 25.42%
3Years 29.09%
5Years 30.19%
7Years 29.68%
10Years 27.16%
14.02% ROE
14.02%
Averages
1Year 14.02%
3Years 15.10%
5Years 15.29%
7Years 15.28%
10Years 14.25%
1.56% ROA
1.56%
Averages
1Year 1.56%
3Years 1.56%
5Years 1.53%
7Years 1.49%
10Years 1.33%
7.51% ROIC
7.51%
Averages
1Year 7.51%
3Years 6.64%
5Years 7.95%
7Years 7.30%
10Years 6.50%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Unity Bancorp, Inc.
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50m50m45m45m40m40m35m35m30m30m25m25m20m20m15m15m10m10m5m5m00(5m)(5m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 41.4 M
Depreciation & Amortization 2.58 M
Capital Expenditures -693 K
Stock-Based Compensation 1.82 M
Change in Working Capital 2.99 M
Others 3.88 M
Free Cash Flow 47.3 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Unity Bancorp, Inc.
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Wall Street analysts predict an average 1-year price target for UNTY of $44 , with forecasts ranging from a low of $44 to a high of $44 .
UNTY Lowest Price Target Wall Street Target
44 USD 0.48%
UNTY Average Price Target Wall Street Target
44 USD 0.48%
UNTY Highest Price Target Wall Street Target
44 USD 0.48%
Price
Max Price Target
Min Price Target
Average Price Target
5555505045454040353530302525Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.33% DIVIDEND YIELD
0.14 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.600000000.600000000.500000000.500000000.400000000.400000000.300000000.300000000.200000000.200000000.100000000.100000000.000000000.000000000.027272730.036363640.050.060.070.080.080.10.120.130.140.027272730.036363640.060.070.080.080.090.110.120.130.140.036363640.045454550.060.070.080.080.090.110.120.130.036363640.130.050.170.060.230.070.270.080.310.080.320.10.360.110.430.120.480.130.520.282015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 13
6. Ownership
Insider Ownership Unity Bancorp, Inc.
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Sold
0-3 MONTHS
55 K USD 1
3-6 MONTHS
381 K USD 4
6-9 MONTHS
884 K USD 6
9-12 MONTHS
207 K USD 3
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Unity Bank Expands Branch Network with Opening of New Location in Madison, New Jersey 22nd Branch Enhances Unity Bank's Community Banking Presence Across the Region 22nd Branch Enhances Unity Bank's Community Banking Presence Across the Region globenewswire.com - 1 week ago
Unity Bancorp Announces Second Quarter Dividend CLINTON, N.J., May 22, 2025 (GLOBE NEWSWIRE) -- Unity Bancorp, Inc. (NASDAQ: UNTY), parent company of Unity Bank, announced that its Board of Directors has declared a cash dividend of $0.14 per common share. globenewswire.com - 1 month ago
Unity Bank Recognized Again on Hovde Group's High-Performer List Bank earns spot for the third time in annual ranking of top-performing small banks Bank earns spot for the third time in annual ranking of top-performing small banks globenewswire.com - 2 months ago
Unity Bancorp: Quality At A Decent Price Unity Bancorp, a small New Jersey-based bank with a market cap of $401.7 million, shows consistent growth and high asset quality, making it a compelling buy. Despite higher price-to-book ratios, Unity Bancorp's low price-to-earnings multiple and strong return on assets (1.68%) and equity (14.99%) justify its valuation. The bank's deposits grew impressively from $1.79 billion to $2.10 billion from 2022 to 2024, with minimal reliance on brokered deposits. seekingalpha.com - 2 months ago
Unity Bancorp: Batting Away Tariff Concerns New Jersey lender Unity Bancorp recently released first quarter results. The financials were excellent, while commentary on loan demand was equally bullish. Despite earning a mid-teens ROE and enjoying strong organic growth prospects, UNTY stock trades for less than 9x earnings. seekingalpha.com - 2 months ago
Unity Bancorp: No Tariff Impact On Loan Demand Unity Bancorp, Inc. is a highly efficient regional bank, unaffected by tariffs, with strong loan and deposit growth in Q1 2025. The bank reported net income of $11.6 million, with net interest margin expanding to 4.46%, indicating solid financial performance. Asset quality remains strong despite a slight uptick in nonperforming assets; return on average assets and equity are stable and improving. seekingalpha.com - 2 months ago
Compared to Estimates, Unity Bancorp (UNTY) Q1 Earnings: A Look at Key Metrics Although the revenue and EPS for Unity Bancorp (UNTY) give a sense of how its business performed in the quarter ended March 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 2 months ago
Unity Bancorp (UNTY) Surpasses Q1 Earnings and Revenue Estimates Unity Bancorp (UNTY) came out with quarterly earnings of $1.13 per share, beating the Zacks Consensus Estimate of $1.12 per share. This compares to earnings of $0.93 per share a year ago. zacks.com - 2 months ago
Unity Bancorp Reports Quarterly Earnings of $11.6 Million CLINTON, N.J., April 11, 2025 (GLOBE NEWSWIRE) -- Unity Bancorp, Inc. (NASDAQ: UNTY), parent company of Unity Bank, reported net income of $11.6 million, or $1.13 per diluted share, for the quarter ended March 31, 2025, compared to net income of $11.5 million, or $1.13 per diluted share for the quarter ended December 31, 2024. globenewswire.com - 2 months ago
Buy Two Ideal March 'Safer' Dividend Dogs Of 34 Barron's 2025 Pro-Picks Barron's New-Year (NY) Roundtable (RT) selections published in three issues 1/13-27/2025, listed 34 dividend picks as the best of 2025. Analysts predict top picks like AdvanSix, Applied Materials, and Salesforce could net significant returns, with an average gain estimate of 28.85%. Two standout "safer" stocks, AT&T and Annaly Capital, meet the dogcatcher ideal, offering high yields relative to their prices. seekingalpha.com - 3 months ago
Unity Bancorp Announces 8% Increase in First Quarter Dividend CLINTON, N.J., Feb. 27, 2025 (GLOBE NEWSWIRE) -- Unity Bancorp, Inc. (NASDAQ: UNTY), parent company of Unity Bank, announced that its Board of Directors has declared a cash dividend of $0.14 per common share. Such dividend is payable on March 28, 2025, to shareholders of record as of March 14, 2025. globenewswire.com - 3 months ago
Unity Bancorp (UNTY) is an Incredible Growth Stock: 3 Reasons Why Unity Bancorp (UNTY) could produce exceptional returns because of its solid growth attributes. zacks.com - 4 months ago
8. Profile Summary

Unity Bancorp, Inc. UNTY

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 439 M
Dividend Yield 0.33%
Description 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.
Contact 64 Old Highway 22, Clinton, NJ, 08809 https://www.unitybank.com
IPO Date Jan. 14, 1997
Employees 227
Officers Mr. Vincent Geraci First Senior Vice President & Director of Mortgage Lending Mr. George Allen Boyan III, J.D. Executive Vice President & Chief Financial Officer Mr. Daniel Sharabba Senior Vice President & Chief Retail Officer Mr. James Donovan Senior Vice President & Chief Lending Officer Mr. David Bove Senior Vice President & Chief Information Officer Crystal Rose First Vice President & Marketing Director Mr. James A. Hughes President, Chief Executive Officer & Director Mr. Robert H. Dallas II Founder & Director Mr. David D. Dallas Founder & Chairman of the Board Christopher Fenimore First Vice President & Chief Compliance Officer