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UNITY BANCORP INC (UNTY) Stock Fundamental Analysis

NASDAQ:UNTY - US9132901029 - Common Stock

52.215 USD
+3.64 (+7.48%)
Last: 8/22/2025, 8:00:02 PM
52.215 USD
0 (0%)
After Hours: 8/22/2025, 8:00:02 PM
Fundamental Rating

6

Overall UNTY gets a fundamental rating of 6 out of 10. We evaluated UNTY against 393 industry peers in the Banks industry. UNTY has only an average score on both its financial health and profitability. UNTY is growing strongly while it is still valued neutral. This is a good combination! This makes UNTY very considerable for growth investing!


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

UNTY had positive earnings in the past year.
UNTY had a positive operating cash flow in the past year.
Each year in the past 5 years UNTY has been profitable.
Each year in the past 5 years UNTY had a positive operating cash flow.
UNTY Yearly Net Income VS EBIT VS OCF VS FCFUNTY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M 40M

1.2 Ratios

UNTY's Return On Assets of 1.72% is amongst the best of the industry. UNTY outperforms 93.64% of its industry peers.
With an excellent Return On Equity value of 15.79%, UNTY belongs to the best of the industry, outperforming 94.66% of the companies in the same industry.
Industry RankSector 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
UNTY Yearly ROA, ROE, ROICUNTY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

The Profit Margin of UNTY (42.16%) is better than 97.20% of its industry peers.
UNTY's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for UNTY so they could not be analyzed.
Industry RankSector 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
UNTY Yearly Profit, Operating, Gross MarginsUNTY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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5

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.
UNTY has less shares outstanding than it did 5 years ago.
UNTY has a better debt/assets ratio than last year.
UNTY Yearly Shares OutstandingUNTY Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
UNTY Yearly Total Debt VS Total AssetsUNTY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

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.
Looking at the Debt to FCF ratio, with a value of 0.32, UNTY belongs to the top of the industry, outperforming 84.99% 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.
With an excellent Debt to Equity ratio value of 0.03, UNTY belongs to the best of the industry, outperforming 83.72% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.32
Altman-Z N/A
ROIC/WACCN/A
WACC11.13%
UNTY Yearly LT Debt VS Equity VS FCFUNTY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UNTY Yearly Current Assets VS Current LiabilitesUNTY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 19.53% over the past year.
The Earnings Per Share has been growing by 13.66% on average over the past years. This is quite good.
The Revenue has grown by 16.09% in the past year. This is quite good.
The Revenue has been growing by 9.79% on average over the past years. This is quite good.
EPS 1Y (TTM)19.53%
EPS 3Y5.88%
EPS 5Y13.66%
EPS Q2Q%29.03%
Revenue 1Y (TTM)16.09%
Revenue growth 3Y6.32%
Revenue growth 5Y9.79%
Sales Q2Q%34.54%

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 18.44% yearly.
Based on estimates for the next years, UNTY will show a quite strong growth in Revenue. The Revenue will grow by 13.36% on average per year.
EPS Next Y23.56%
EPS Next 2Y18.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.68%
Revenue Next 2Y13.36%
Revenue Next 3YN/A
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 accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
UNTY Yearly Revenue VS EstimatesUNTY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
UNTY Yearly EPS VS EstimatesUNTY Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.53, the valuation of UNTY can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of UNTY indicates a somewhat cheap valuation: UNTY is cheaper than 66.41% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.24. UNTY is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.17, the valuation of UNTY can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UNTY indicates a somewhat cheap valuation: UNTY is cheaper than 70.48% of the companies listed in the same industry.
UNTY is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.82, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.53
Fwd PE 9.17
UNTY Price Earnings VS Forward Price EarningsUNTY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as UNTY.
Industry RankSector Rank
P/FCF 16.23
EV/EBITDA N/A
UNTY Per share dataUNTY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as UNTY's earnings are expected to grow with 18.44% in the coming years.
PEG (NY)0.49
PEG (5Y)0.84
EPS Next 2Y18.44%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

UNTY has a Yearly Dividend Yield of 1.15%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 1.15, UNTY pays less dividend than the industry average, which is at 3.34. 80.41% of the companies listed in the same industry pay a better dividend than UNTY!
With a Dividend Yield of 1.15, UNTY pays less dividend than the S&P500 average, which is at 2.32.
Industry RankSector Rank
Dividend Yield 1.15%

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
UNTY Yearly Dividends per shareUNTY Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

10.33% of the earnings are spent on dividend by UNTY. This is a low number and sustainable payout ratio.
UNTY's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP10.33%
EPS Next 2Y18.44%
EPS Next 3YN/A
UNTY Yearly Income VS Free CF VS DividendUNTY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M 40M
UNTY Dividend Payout.UNTY Dividend Payout, showing the Payout Ratio.UNTY Dividend Payout.PayoutRetained Earnings

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UNITY BANCORP INC

NASDAQ:UNTY (8/22/2025, 8:00:02 PM)

After market: 52.215 0 (0%)

52.215

+3.64 (+7.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-15 2025-07-15/bmo
Earnings (Next)10-09 2025-10-09/bmo
Inst Owners51.69%
Inst Owner Change-1.92%
Ins Owners28.21%
Ins Owner Change2.35%
Market Cap523.72M
Analysts84.44
Price Target61.54 (17.86%)
Short Float %1.02%
Short Ratio1
Dividend
Industry RankSector Rank
Dividend Yield 1.15%
Yearly Dividend0.5
Dividend Growth(5Y)10.72%
DP10.33%
Div Incr Years11
Div Non Decr Years11
Ex-Date06-06 2025-06-06 (0.14)
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)4.62%
PT rev (3m)16.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.27%
EPS NY rev (1m)1.3%
EPS NY rev (3m)1.34%
Revenue NQ rev (1m)-0.67%
Revenue NQ rev (3m)2.27%
Revenue NY rev (1m)1.74%
Revenue NY rev (3m)1.74%
Valuation
Industry RankSector Rank
PE 11.53
Fwd PE 9.17
P/S 4.37
P/FCF 16.23
P/OCF 15.77
P/B 1.64
P/tB 1.65
EV/EBITDA N/A
EPS(TTM)4.53
EY8.68%
EPS(NY)5.7
Fwd EY10.91%
FCF(TTM)3.22
FCFY6.16%
OCF(TTM)3.31
OCFY6.34%
SpS11.94
BVpS31.89
TBVpS31.74
PEG (NY)0.49
PEG (5Y)0.84
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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
WACC11.13%
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)19.53%
EPS 3Y5.88%
EPS 5Y13.66%
EPS Q2Q%29.03%
EPS Next Y23.56%
EPS Next 2Y18.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.09%
Revenue growth 3Y6.32%
Revenue growth 5Y9.79%
Sales Q2Q%34.54%
Revenue Next Year17.68%
Revenue Next 2Y13.36%
Revenue Next 3YN/A
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%