UNITY BANCORP INC (UNTY) Fundamental Analysis & Valuation

NASDAQ:UNTY • US9132901029

Current stock price

52.91 USD
+0.63 (+1.21%)
At close:
52.91 USD
0 (0%)
After Hours:

This UNTY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. UNTY Profitability Analysis

1.1 Basic Checks

  • UNTY had positive earnings in the past year.
  • In the past year UNTY had a positive cash flow from operations.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M 20M 30M 40M 50M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.95%, UNTY belongs to the top of the industry, outperforming 95.26% of the companies in the same industry.
  • With an excellent Return On Equity value of 16.77%, UNTY belongs to the best of the industry, outperforming 94.74% of the companies in the same industry.
Industry RankSector Rank
ROA 1.95%
ROE 16.77%
ROIC N/A
ROA(3y)1.69%
ROA(5y)1.68%
ROE(3y)15.33%
ROE(5y)15.92%
ROIC(3y)N/A
ROIC(5y)N/A
UNTY Yearly ROA, ROE, ROICUNTY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With an excellent Profit Margin value of 43.96%, UNTY belongs to the best of the industry, outperforming 97.63% 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 RankSector Rank
OM N/A
PM (TTM) 43.96%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.91%
PM growth 5Y7.55%
GM growth 3YN/A
GM growth 5YN/A
UNTY Yearly Profit, Operating, Gross MarginsUNTY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. UNTY Health Analysis

2.1 Basic Checks

  • UNTY does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for UNTY has been reduced compared to 1 year ago.
  • UNTY has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, UNTY has an improved debt to assets ratio.
UNTY Yearly Shares OutstandingUNTY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
UNTY Yearly Total Debt VS Total AssetsUNTY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • UNTY has a debt to FCF ratio of 0.23. This is a very positive value and a sign of high solvency as it would only need 0.23 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 0.23, UNTY belongs to the best of the industry, outperforming 88.42% 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.
  • Looking at the Debt to Equity ratio, with a value of 0.03, UNTY belongs to the top of the industry, outperforming 85.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.23
Altman-Z N/A
ROIC/WACCN/A
WACC11.64%
UNTY Yearly LT Debt VS Equity VS FCFUNTY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. UNTY Growth Analysis

3.1 Past

  • UNTY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.11%, which is quite impressive.
  • UNTY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.51% yearly.
  • The Revenue has grown by 23.10% in the past year. This is a very strong growth!
  • UNTY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.24% yearly.
EPS 1Y (TTM)26.11%
EPS 3Y12.56%
EPS 5Y18.51%
EPS Q2Q%26.55%
Revenue 1Y (TTM)23.1%
Revenue growth 3Y10.32%
Revenue growth 5Y11.24%
Sales Q2Q%30.11%

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 14.01% yearly.
  • UNTY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.85% yearly.
EPS Next Y16.04%
EPS Next 2Y14.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.18%
Revenue Next 2Y9.85%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
UNTY Yearly Revenue VS EstimatesUNTY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
UNTY Yearly EPS VS EstimatesUNTY Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

More info and screens

Find the best growth stocksShow best growing peers

6

4. UNTY Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.33, the valuation of UNTY can be described as reasonable.
  • UNTY's Price/Earnings ratio is a bit cheaper when compared to the industry. UNTY is cheaper than 75.00% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of UNTY to the average of the S&P500 Index (26.17), we can say UNTY is valued rather cheaply.
  • UNTY is valuated reasonably with a Price/Forward Earnings ratio of 8.91.
  • 79.74% 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 23.05, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.33
Fwd PE 8.91
UNTY Price Earnings VS Forward Price EarningsUNTY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • UNTY's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.96
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.
  • A more expensive valuation may be justified as UNTY's earnings are expected to grow with 14.01% in the coming years.
PEG (NY)0.64
PEG (5Y)0.56
EPS Next 2Y14.01%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. UNTY Dividend Analysis

5.1 Amount

  • UNTY has a Yearly Dividend Yield of 1.26%.
  • UNTY's Dividend Yield is slightly below the industry average, which is at 2.73.
  • Compared to the average S&P500 Dividend Yield of 1.89, UNTY is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.26%

5.2 History

  • The dividend of UNTY is nicely growing with an annual growth rate of 12.70%!
  • UNTY has paid a dividend for at least 10 years, which is 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)12.7%
Div Incr Years12
Div Non Decr Years12
UNTY Yearly Dividends per shareUNTY Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • UNTY pays out 9.68% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of UNTY is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP9.68%
EPS Next 2Y14.01%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M 20M 30M 40M 50M
UNTY Dividend Payout.UNTY Dividend Payout, showing the Payout Ratio.UNTY Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

UNTY Fundamentals: All Metrics, Ratios and Statistics

UNITY BANCORP INC

NASDAQ:UNTY (4/2/2026, 8:00:02 PM)

After market: 52.91 0 (0%)

52.91

+0.63 (+1.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-13
Earnings (Next)04-09
Inst Owners55.01%
Inst Owner Change0%
Ins Owners28.56%
Ins Owner Change3.26%
Market Cap530.16M
Revenue(TTM)131.81M
Net Income(TTM)57.95M
Analysts82.5
Price Target66.3 (25.31%)
Short Float %1.18%
Short Ratio1.81
Dividend
Industry RankSector Rank
Dividend Yield 1.26%
Yearly Dividend0.56
Dividend Growth(5Y)12.7%
DP9.68%
Div Incr Years12
Div Non Decr Years12
Ex-Date03-06
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.34%
Min EPS beat(2)3.33%
Max EPS beat(2)3.34%
EPS beat(4)2
Avg EPS beat(4)1.23%
Min EPS beat(4)-1.61%
Max EPS beat(4)3.34%
EPS beat(8)5
Avg EPS beat(8)2.6%
EPS beat(12)9
Avg EPS beat(12)3.46%
EPS beat(16)11
Avg EPS beat(16)2.32%
Revenue beat(2)1
Avg Revenue beat(2)0.84%
Min Revenue beat(2)-2.23%
Max Revenue beat(2)3.91%
Revenue beat(4)2
Avg Revenue beat(4)2.07%
Min Revenue beat(4)-4.62%
Max Revenue beat(4)11.22%
Revenue beat(8)3
Avg Revenue beat(8)-0.11%
Revenue beat(12)3
Avg Revenue beat(12)-0.88%
Revenue beat(16)4
Avg Revenue beat(16)-0.92%
PT rev (1m)0%
PT rev (3m)8.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.49%
EPS NY rev (1m)0%
EPS NY rev (3m)3.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.61%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.02%
Valuation
Industry RankSector Rank
PE 10.33
Fwd PE 8.91
P/S 4.02
P/FCF 11.96
P/OCF 11.81
P/B 1.53
P/tB 1.54
EV/EBITDA N/A
EPS(TTM)5.12
EY9.68%
EPS(NY)5.94
Fwd EY11.23%
FCF(TTM)4.43
FCFY8.36%
OCF(TTM)4.48
OCFY8.47%
SpS13.15
BVpS34.49
TBVpS34.34
PEG (NY)0.64
PEG (5Y)0.56
Graham Number63.04
Profitability
Industry RankSector Rank
ROA 1.95%
ROE 16.77%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 43.96%
GM N/A
FCFM 33.64%
ROA(3y)1.69%
ROA(5y)1.68%
ROE(3y)15.33%
ROE(5y)15.92%
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 3Y3.91%
PM growth 5Y7.55%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.23
Debt/EBITDA N/A
Cap/Depr 20.09%
Cap/Sales 0.43%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 76.52%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC11.64%
ROIC/WACCN/A
Cap/Depr(3y)29.01%
Cap/Depr(5y)43.66%
Cap/Sales(3y)0.67%
Cap/Sales(5y)0.98%
Profit Quality(3y)102.12%
Profit Quality(5y)100.01%
High Growth Momentum
Growth
EPS 1Y (TTM)26.11%
EPS 3Y12.56%
EPS 5Y18.51%
EPS Q2Q%26.55%
EPS Next Y16.04%
EPS Next 2Y14.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)23.1%
Revenue growth 3Y10.32%
Revenue growth 5Y11.24%
Sales Q2Q%30.11%
Revenue Next Year11.18%
Revenue Next 2Y9.85%
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-6.24%
FCF growth 3Y2.49%
FCF growth 5Y15.3%
OCF growth 1Y-6.42%
OCF growth 3Y1.72%
OCF growth 5Y15.01%

UNITY BANCORP INC / UNTY Fundamental Analysis FAQ

What is the ChartMill fundamental rating of UNITY BANCORP INC (UNTY) stock?

ChartMill assigns a fundamental rating of 6 / 10 to UNTY.


Can you provide the valuation status for UNITY BANCORP INC?

ChartMill assigns a valuation rating of 6 / 10 to UNITY BANCORP INC (UNTY). This can be considered as Fairly Valued.


What is the profitability of UNTY stock?

UNITY BANCORP INC (UNTY) has a profitability rating of 5 / 10.


What is the valuation of UNITY BANCORP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for UNITY BANCORP INC (UNTY) is 10.33 and the Price/Book (PB) ratio is 1.53.


Can you provide the expected EPS growth for UNTY stock?

The Earnings per Share (EPS) of UNITY BANCORP INC (UNTY) is expected to grow by 16.04% in the next year.