UNITY BANCORP INC (UNTY) Stock Fundamental Analysis
USA - NASDAQ:UNTY - US9132901029 - Common Stock
47.64 USD
+0.23 (+0.49%)
Overall UNTY gets a fundamental rating of 5 out of 10. We evaluated UNTY against 388 industry peers in the Banks industry. Both the profitability and the financial health of UNTY get a neutral evaluation. Nothing too spectacular is happening here. UNTY has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year UNTY was profitable.
In the past year UNTY had a positive cash flow from operations.
In the past 5 years UNTY has always been profitable.
Each year in the past 5 years UNTY had a positive operating cash flow.
1.2 Ratios
UNTY has a better Return On Assets (1.72%) than 93.81% of its industry peers.
UNTY has a Return On Equity of 15.79%. This is amongst the best in the industry. UNTY outperforms 94.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.72% | ||
| ROE | 15.79% | ||
| ROIC | N/A |
ROA(3y)1.56%
ROA(5y)1.53%
ROE(3y)15.1%
ROE(5y)15.29%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 42.16%, UNTY belongs to the best of the industry, outperforming 97.16% of the companies in the same industry.
In the last couple of years the Profit Margin of UNTY has grown nicely.
UNTY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 42.16% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.53%
PM growth 5Y1.9%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
UNTY does not have a ROIC to compare to the WACC, probably because it is not profitable.
UNTY has less shares outstanding than it did 1 year ago.
The number of shares outstanding for UNTY has been reduced compared to 5 years ago.
UNTY has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of UNTY is 0.32, which is an excellent value as it means it would take UNTY, only 0.32 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.32, UNTY belongs to the best of the industry, outperforming 83.76% of the companies in the same industry.
UNTY has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
UNTY has a better Debt to Equity ratio (0.03) than 83.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.32 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.16%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 5.73% over the past year.
The Earnings Per Share has been growing by 13.66% on average over the past years. This is quite good.
UNTY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.69%.
Measured over the past years, UNTY shows a quite strong growth in Revenue. The Revenue has been growing by 9.79% on average per year.
EPS 1Y (TTM)5.73%
EPS 3Y5.88%
EPS 5Y13.66%
EPS Q2Q%30.86%
Revenue 1Y (TTM)18.69%
Revenue growth 3Y6.32%
Revenue growth 5Y9.79%
Sales Q2Q%13.05%
3.2 Future
UNTY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.88% yearly.
UNTY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.73% yearly.
EPS Next Y26.34%
EPS Next 2Y19.07%
EPS Next 3Y15.88%
EPS Next 5YN/A
Revenue Next Year18.27%
Revenue Next 2Y14.66%
Revenue Next 3Y13.73%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.73 indicates a reasonable valuation of UNTY.
UNTY's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of UNTY to the average of the S&P500 Index (26.35), we can say UNTY is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.28, the valuation of UNTY can be described as very reasonable.
79.38% of the companies in the same industry are more expensive than UNTY, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of UNTY to the average of the S&P500 Index (33.72), we can say UNTY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.73 | ||
| Fwd PE | 8.28 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of UNTY is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.82 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
UNTY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
UNTY's earnings are expected to grow with 15.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)0.86
EPS Next 2Y19.07%
EPS Next 3Y15.88%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.33%, UNTY has a reasonable but not impressive dividend return.
UNTY's Dividend Yield is slightly below the industry average, which is at 3.38.
With a Dividend Yield of 1.33, UNTY pays less dividend than the S&P500 average, which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.33% |
5.2 History
On average, the dividend of UNTY grows each year by 10.72%, which is quite nice.
UNTY has been paying a dividend for at least 10 years, so it has a reliable track record.
UNTY has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)10.72%
Div Incr Years11
Div Non Decr Years11
5.3 Sustainability
10.33% of the earnings are spent on dividend by UNTY. This is a low number and sustainable payout ratio.
The dividend of UNTY is growing, but earnings are growing more, so the dividend growth is sustainable.
DP10.33%
EPS Next 2Y19.07%
EPS Next 3Y15.88%
NASDAQ:UNTY (11/11/2025, 5:37:36 PM)
47.64
+0.23 (+0.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners51.54%
Inst Owner Change1.56%
Ins Owners28.22%
Ins Owner Change0.47%
Market Cap478.31M
Revenue(TTM)124.95M
Net Income(TTM)50.50M
Analysts84.44
Price Target60.86 (27.75%)
Short Float %0.96%
Short Ratio1.83
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.33% |
Yearly Dividend0.5
Dividend Growth(5Y)10.72%
DP10.33%
Div Incr Years11
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-0.87%
Min EPS beat(2)-1.61%
Max EPS beat(2)-0.13%
EPS beat(4)2
Avg EPS beat(4)3.41%
Min EPS beat(4)-1.61%
Max EPS beat(4)10.85%
EPS beat(8)5
Avg EPS beat(8)3.71%
EPS beat(12)7
Avg EPS beat(12)2.27%
EPS beat(16)11
Avg EPS beat(16)2.81%
Revenue beat(2)1
Avg Revenue beat(2)3.3%
Min Revenue beat(2)-4.62%
Max Revenue beat(2)11.22%
Revenue beat(4)2
Avg Revenue beat(4)1.38%
Min Revenue beat(4)-4.99%
Max Revenue beat(4)11.22%
Revenue beat(8)2
Avg Revenue beat(8)-0.48%
Revenue beat(12)2
Avg Revenue beat(12)-1.29%
Revenue beat(16)5
Avg Revenue beat(16)-0.81%
PT rev (1m)-1.1%
PT rev (3m)-1.1%
EPS NQ rev (1m)0.52%
EPS NQ rev (3m)0.52%
EPS NY rev (1m)2.25%
EPS NY rev (3m)3.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.67%
Revenue NY rev (1m)0.5%
Revenue NY rev (3m)1.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.73 | ||
| Fwd PE | 8.28 | ||
| P/S | 3.99 | ||
| P/FCF | 14.82 | ||
| P/OCF | 14.4 | ||
| P/B | 1.5 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.06
EY8.52%
EPS(NY)5.76
Fwd EY12.08%
FCF(TTM)3.21
FCFY6.75%
OCF(TTM)3.31
OCFY6.94%
SpS11.93
BVpS31.86
TBVpS31.71
PEG (NY)0.45
PEG (5Y)0.86
Graham Number53.95
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.72% | ||
| ROE | 15.79% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 42.16% | ||
| GM | N/A | ||
| FCFM | 26.93% |
ROA(3y)1.56%
ROA(5y)1.53%
ROE(3y)15.1%
ROE(5y)15.29%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.53%
PM growth 5Y1.9%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.32 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 33.77% | ||
| Cap/Sales | 0.79% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 63.89% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC11.16%
ROIC/WACCN/A
Cap/Depr(3y)40.19%
Cap/Depr(5y)45.5%
Cap/Sales(3y)1.03%
Cap/Sales(5y)1.04%
Profit Quality(3y)112.31%
Profit Quality(5y)103.12%
High Growth Momentum
Growth
EPS 1Y (TTM)5.73%
EPS 3Y5.88%
EPS 5Y13.66%
EPS Q2Q%30.86%
EPS Next Y26.34%
EPS Next 2Y19.07%
EPS Next 3Y15.88%
EPS Next 5YN/A
Revenue 1Y (TTM)18.69%
Revenue growth 3Y6.32%
Revenue growth 5Y9.79%
Sales Q2Q%13.05%
Revenue Next Year18.27%
Revenue Next 2Y14.66%
Revenue Next 3Y13.73%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-14.05%
FCF growth 3Y14.77%
FCF growth 5Y7.8%
OCF growth 1Y-15.93%
OCF growth 3Y13.84%
OCF growth 5Y7.65%
UNITY BANCORP INC / UNTY FAQ
What is the ChartMill fundamental rating of UNITY BANCORP INC (UNTY) stock?
ChartMill assigns a fundamental rating of 5 / 10 to UNTY.
What is the valuation status for UNTY stock?
ChartMill assigns a valuation rating of 5 / 10 to UNITY BANCORP INC (UNTY). This can be considered as Fairly Valued.
Can you provide the profitability details for UNITY BANCORP INC?
UNITY BANCORP INC (UNTY) has a profitability rating of 5 / 10.
Can you provide the PE and PB ratios for UNTY stock?
The Price/Earnings (PE) ratio for UNITY BANCORP INC (UNTY) is 11.73 and the Price/Book (PB) ratio is 1.5.
Can you provide the financial health for UNTY stock?
The financial health rating of UNITY BANCORP INC (UNTY) is 5 / 10.