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UNITY BANCORP INC (UNTY) Stock Fundamental Analysis

NASDAQ:UNTY - Nasdaq - US9132901029 - Common Stock - Currency: USD

49.11  -0.61 (-1.23%)

After market: 49.11 0 (0%)

Fundamental Rating

6

UNTY gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 393 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 is not overvalued while it is showing excellent growth. This is an interesting combination. These ratings could make UNTY a good candidate 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.
UNTY had positive earnings in each of the past 5 years.
UNTY had a positive operating cash flow in each of the past 5 years.
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

Looking at the Return On Assets, with a value of 1.57%, UNTY belongs to the top of the industry, outperforming 91.60% of the companies in the same industry.
UNTY has a Return On Equity of 14.20%. This is amongst the best in the industry. UNTY outperforms 90.59% of its industry peers.
Industry RankSector Rank
ROA 1.57%
ROE 14.2%
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

Looking at the Profit Margin, with a value of 39.20%, UNTY belongs to the top of the industry, outperforming 94.66% of the companies in the same industry.
In the last couple of years the Profit Margin of UNTY has grown nicely.
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) 39.2%
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.
Compared to 1 year ago, UNTY has less shares outstanding
Compared to 5 years ago, UNTY has less shares outstanding
Compared to 1 year ago, UNTY has an improved debt to assets ratio.
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

UNTY has a debt to FCF ratio of 0.21. This is a very positive value and a sign of high solvency as it would only need 0.21 years to pay back of all of its debts.
UNTY's Debt to FCF ratio of 0.21 is amongst the best of the industry. UNTY outperforms 86.51% of its industry peers.
A Debt/Equity ratio of 0.03 indicates that UNTY is not too dependend on debt financing.
UNTY's Debt to Equity ratio of 0.03 is amongst the best of the industry. UNTY outperforms 83.46% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.21
Altman-Z N/A
ROIC/WACCN/A
WACC11.39%
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.
Measured over the past years, UNTY shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.66% on average per year.
The Revenue has been growing slightly by 3.82% in the past year.
UNTY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.79% yearly.
EPS 1Y (TTM)19.53%
EPS 3Y5.88%
EPS 5Y13.66%
EPS Q2Q%29.03%
Revenue 1Y (TTM)3.82%
Revenue growth 3Y6.32%
Revenue growth 5Y9.79%
Sales Q2Q%34.54%

3.2 Future

The Earnings Per Share is expected to grow by 17.56% on average over the next years. This is quite good.
The Revenue is expected to grow by 12.79% on average over the next years. This is quite good.
EPS Next Y21.97%
EPS Next 2Y17.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.67%
Revenue Next 2Y12.79%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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

Based on the Price/Earnings ratio of 10.84, the valuation of UNTY can be described as reasonable.
Based on the Price/Earnings ratio, UNTY is valued a bit cheaper than the industry average as 63.87% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of UNTY to the average of the S&P500 Index (27.25), we can say UNTY is valued rather cheaply.
UNTY is valuated reasonably with a Price/Forward Earnings ratio of 8.75.
68.45% of the companies in the same industry are more expensive than UNTY, based on the Price/Forward Earnings ratio.
UNTY is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.80, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.84
Fwd PE 8.75
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

UNTY's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. UNTY is cheaper than 60.81% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.01
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

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 17.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.49
PEG (5Y)0.79
EPS Next 2Y17.56%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

UNTY has a Yearly Dividend Yield of 1.06%.
Compared to an average industry Dividend Yield of 3.33, UNTY's dividend is way lower than its industry peers. On top of this 81.68% of the companies listed in the same industry pay a better dividend than UNTY!
Compared to an average S&P500 Dividend Yield of 2.34, UNTY's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.06%

5.2 History

On average, the dividend of UNTY grows each year by 10.72%, which is quite nice.
UNTY has paid a dividend for at least 10 years, which is a reliable track record.
UNTY has not decreased their dividend for at least 10 years, which is a reliable track record.
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

UNTY pays out 11.77% of its income as dividend. This is a sustainable payout ratio.
The dividend of UNTY is growing, but earnings are growing more, so the dividend growth is sustainable.
DP11.77%
EPS Next 2Y17.56%
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 (7/31/2025, 8:00:02 PM)

After market: 49.11 0 (0%)

49.11

-0.61 (-1.23%)

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 Owners52.68%
Inst Owner Change-0.19%
Ins Owners28.2%
Ins Owner Change1.81%
Market Cap492.57M
Analysts84.44
Price Target58.82 (19.77%)
Short Float %1.26%
Short Ratio1.28
Dividend
Industry RankSector Rank
Dividend Yield 1.06%
Yearly Dividend0.5
Dividend Growth(5Y)10.72%
DP11.77%
Div Incr Years11
Div Non Decr Years11
Ex-Date06-06 2025-06-06 (0.14)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.45%
Min EPS beat(2)-1.61%
Max EPS beat(2)4.51%
EPS beat(4)2
Avg EPS beat(4)3.23%
Min EPS beat(4)-1.61%
Max EPS beat(4)10.85%
EPS beat(8)6
Avg EPS beat(8)3.96%
EPS beat(12)8
Avg EPS beat(12)2.32%
EPS beat(16)12
Avg EPS beat(16)3.13%
Revenue beat(2)0
Avg Revenue beat(2)-4.81%
Min Revenue beat(2)-4.99%
Max Revenue beat(2)-4.62%
Revenue beat(4)1
Avg Revenue beat(4)-2.28%
Min Revenue beat(4)-4.99%
Max Revenue beat(4)3.92%
Revenue beat(8)1
Avg Revenue beat(8)-2.58%
Revenue beat(12)2
Avg Revenue beat(12)-2.04%
Revenue beat(16)4
Avg Revenue beat(16)-1.59%
PT rev (1m)11.61%
PT rev (3m)11.61%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.03%
EPS NY rev (3m)0.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 10.84
Fwd PE 8.75
P/S 4.44
P/FCF 10.01
P/OCF 9.84
P/B 1.61
P/tB 1.62
EV/EBITDA N/A
EPS(TTM)4.53
EY9.22%
EPS(NY)5.61
Fwd EY11.42%
FCF(TTM)4.9
FCFY9.99%
OCF(TTM)4.99
OCFY10.17%
SpS11.05
BVpS30.52
TBVpS30.37
PEG (NY)0.49
PEG (5Y)0.79
Profitability
Industry RankSector Rank
ROA 1.57%
ROE 14.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 39.2%
GM N/A
FCFM 44.36%
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 0.21
Debt/EBITDA N/A
Cap/Depr 32.99%
Cap/Sales 0.81%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 113.17%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC11.39%
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 Y21.97%
EPS Next 2Y17.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.82%
Revenue growth 3Y6.32%
Revenue growth 5Y9.79%
Sales Q2Q%34.54%
Revenue Next Year15.67%
Revenue Next 2Y12.79%
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 1Y4.32%
FCF growth 3Y14.77%
FCF growth 5Y7.8%
OCF growth 1Y2.64%
OCF growth 3Y13.84%
OCF growth 5Y7.65%