53.87 USD
-0.63 (-1.16%)
We assign a fundamental rating of 6 out of 10 to UNTY. UNTY was compared to 383 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 priced too expensively while it is growing strongly. Keep and eye on this one! These ratings could make UNTY a good candidate for growth investing.
1. Profitability
1.1 Basic Checks
- In the past year UNTY was profitable.
- UNTY had a positive operating cash flow in the past year.
- In the past 5 years UNTY has always been profitable.
- Of the past 5 years UNTY 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of UNTY (1.88%) is better than 94.78% of its industry peers.
- With an excellent Return On Equity value of 16.16%, UNTY belongs to the best of the industry, outperforming 95.30% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.88% | ||
| ROE | 16.16% | ||
| 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
1.3 Margins
- UNTY has a Profit Margin of 43.20%. This is amongst the best in the industry. UNTY outperforms 97.65% of its industry peers.
- UNTY's Profit Margin has improved in the last couple of years.
- 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) | 43.2% | ||
| 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
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 0.17, which is an excellent value as it means it would take UNTY, only 0.17 years of fcf income to pay off all of its debts.
- UNTY's Debt to FCF ratio of 0.17 is amongst the best of the industry. UNTY outperforms 86.95% of its industry peers.
- A Debt/Equity ratio of 0.03 indicates that UNTY is not too dependend on debt financing.
- UNTY has a Debt to Equity ratio of 0.03. This is amongst the best in the industry. UNTY outperforms 84.60% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.17 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.93%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
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.
- The Earnings Per Share has been growing by 18.51% on average over the past years. This is quite good.
- Looking at the last year, UNTY shows a very strong growth in Revenue. The Revenue has grown by 23.10%.
- 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
- Based on estimates for the next years, UNTY will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.99% on average per year.
- UNTY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.53% yearly.
EPS Next Y12.82%
EPS Next 2Y10.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.16%
Revenue Next 2Y11.53%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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.
4. Valuation
4.1 Price/Earnings Ratio
- UNTY is valuated reasonably with a Price/Earnings ratio of 10.52.
- Compared to the rest of the industry, the Price/Earnings ratio of UNTY indicates a somewhat cheap valuation: UNTY is cheaper than 78.59% of the companies listed in the same industry.
- UNTY is valuated cheaply when we compare the Price/Earnings ratio to 27.32, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 9.33 indicates a reasonable valuation of UNTY.
- Based on the Price/Forward Earnings ratio, UNTY is valued a bit cheaper than 75.98% of the companies in the same industry.
- UNTY is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.52 | ||
| Fwd PE | 9.33 |
4.2 Price Multiples
- 75.72% of the companies in the same industry are more expensive than UNTY, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9 | ||
| EV/EBITDA | N/A |
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.
PEG (NY)0.82
PEG (5Y)0.57
EPS Next 2Y10.99%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- UNTY has a Yearly Dividend Yield of 1.14%. Purely for dividend investing, there may be better candidates out there.
- With a Dividend Yield of 1.14, UNTY pays less dividend than the industry average, which is at 2.91. 81.98% of the companies listed in the same industry pay a better dividend than UNTY!
- UNTY's Dividend Yield is slightly below the S&P500 average, which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.14% |
5.2 History
- The dividend of UNTY is nicely growing with an annual growth rate of 10.72%!
- UNTY has been paying a dividend for at least 10 years, so it has 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
5.3 Sustainability
- 10.03% of the earnings are spent on dividend by UNTY. This is a low number and sustainable payout ratio.
- UNTY's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP10.03%
EPS Next 2Y10.99%
EPS Next 3YN/A
NASDAQ:UNTY (1/22/2026, 2:53:10 PM)
53.87
-0.63 (-1.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-13 2026-01-13/bmo
Earnings (Next)04-09 2026-04-09
Inst Owners55.42%
Inst Owner Change-0.01%
Ins Owners28.22%
Ins Owner Change-0.04%
Market Cap540.85M
Revenue(TTM)131.81M
Net Income(TTM)53.98M
Analysts84.44
Price Target61.2 (13.61%)
Short Float %1.12%
Short Ratio1.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.14% |
Yearly Dividend0.5
Dividend Growth(5Y)10.72%
DP10.03%
Div Incr Years11
Div Non Decr Years11
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.6%
Min EPS beat(2)-0.13%
Max EPS beat(2)3.33%
EPS beat(4)2
Avg EPS beat(4)1.53%
Min EPS beat(4)-1.61%
Max EPS beat(4)4.51%
EPS beat(8)5
Avg EPS beat(8)3.31%
EPS beat(12)8
Avg EPS beat(12)2.63%
EPS beat(16)11
Avg EPS beat(16)2.45%
Revenue beat(2)1
Avg Revenue beat(2)4.5%
Min Revenue beat(2)-2.23%
Max Revenue beat(2)11.22%
Revenue beat(4)1
Avg Revenue beat(4)-0.15%
Min Revenue beat(4)-4.99%
Max Revenue beat(4)11.22%
Revenue beat(8)2
Avg Revenue beat(8)-0.64%
Revenue beat(12)2
Avg Revenue beat(12)-1.28%
Revenue beat(16)4
Avg Revenue beat(16)-1.01%
PT rev (1m)1.69%
PT rev (3m)-0.55%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.87%
EPS NY rev (1m)0%
EPS NY rev (3m)1.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.45%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.52 | ||
| Fwd PE | 9.33 | ||
| P/S | 4.33 | ||
| P/FCF | 9 | ||
| P/OCF | 8.85 | ||
| P/B | 1.62 | ||
| P/tB | 1.63 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.12
EY9.5%
EPS(NY)5.78
Fwd EY10.72%
FCF(TTM)5.98
FCFY11.11%
OCF(TTM)6.09
OCFY11.3%
SpS12.45
BVpS33.27
TBVpS33.12
PEG (NY)0.82
PEG (5Y)0.57
Graham Number61.91
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.88% | ||
| ROE | 16.16% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 43.2% | ||
| GM | N/A | ||
| FCFM | 48.08% |
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-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.17 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 39.9% | ||
| Cap/Sales | 0.82% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 111.28% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC10.93%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)26.11%
EPS 3Y12.56%
EPS 5Y18.51%
EPS Q2Q%26.55%
EPS Next Y12.82%
EPS Next 2Y10.99%
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 Year11.16%
Revenue Next 2Y11.53%
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 1Y21.74%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y22.52%
OCF growth 3YN/A
OCF growth 5YN/A
UNITY BANCORP INC / UNTY 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.
Can you provide the profitability details for UNITY BANCORP INC?
UNITY BANCORP INC (UNTY) has a profitability rating of 5 / 10.
What are the PE and PB ratios of UNITY BANCORP INC (UNTY) stock?
The Price/Earnings (PE) ratio for UNITY BANCORP INC (UNTY) is 10.52 and the Price/Book (PB) ratio is 1.62.
What is the expected EPS growth for UNITY BANCORP INC (UNTY) stock?
The Earnings per Share (EPS) of UNITY BANCORP INC (UNTY) is expected to grow by 12.82% in the next year.