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UNITY BANCORP INC (UNTY) Stock Fundamental Analysis

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

52.93  +0.28 (+0.53%)

After market: 52.93 0 (0%)

Fundamental Rating

6

Taking everything into account, UNTY scores 6 out of 10 in our fundamental rating. UNTY was compared to 396 industry peers in the Banks industry. UNTY has only an average score on both its financial health and profitability. UNTY is not priced too expensively while it is growing strongly. Keep and eye on this one! This makes UNTY very considerable for growth investing!


Dividend Valuation Growth Profitability Health

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5

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.
UNTY had positive earnings in each of the past 5 years.
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

With an excellent Return On Assets value of 1.57%, UNTY belongs to the best of the industry, outperforming 91.67% 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 90.66% 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

With an excellent Profit Margin value of 39.20%, UNTY belongs to the best of the industry, outperforming 94.70% 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.
The number of shares outstanding for UNTY has been reduced compared to 1 year ago.
The number of shares outstanding for UNTY has been reduced compared to 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 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 87.12% of its industry peers.
UNTY has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of UNTY (0.03) is better than 83.84% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.21
Altman-Z N/A
ROIC/WACCN/A
WACC11.21%
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 11.81% over the past year.
UNTY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.66% yearly.
The Revenue has been growing slightly by 7.26% in the past year.
The Revenue has been growing by 9.79% on average over the past years. This is quite good.
EPS 1Y (TTM)11.81%
EPS 3Y5.88%
EPS 5Y13.66%
EPS Q2Q%21.51%
Revenue 1Y (TTM)7.26%
Revenue growth 3Y6.32%
Revenue growth 5Y9.79%
Sales Q2Q%12.52%

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

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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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.42, which indicates a correct valuation of UNTY.
Compared to the rest of the industry, the Price/Earnings ratio of UNTY is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.69, UNTY is valued rather cheaply.
A Price/Forward Earnings ratio of 9.43 indicates a reasonable valuation of UNTY.
UNTY's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UNTY is cheaper than 65.40% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 37.36. UNTY is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.42
Fwd PE 9.43
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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 10.79
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 17.56% in the coming years.
PEG (NY)0.57
PEG (5Y)0.91
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%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 1.06, UNTY pays less dividend than the industry average, which is at 3.30. 81.82% 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

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
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.
UNTY's earnings are growing more than its dividend. This makes the dividend growth 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 (7/23/2025, 8:00:02 PM)

After market: 52.93 0 (0%)

52.93

+0.28 (+0.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-10 2025-07-10/bmo
Earnings (Next)10-09 2025-10-09/bmo
Inst Owners52.68%
Inst Owner Change-0.19%
Ins Owners28.2%
Ins Owner Change4.58%
Market Cap530.89M
Analysts84.44
Price Target58.82 (11.13%)
Short Float %1.1%
Short Ratio1.21
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)8.81%
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)2.13%
Valuation
Industry RankSector Rank
PE 12.42
Fwd PE 9.43
P/S 4.79
P/FCF 10.79
P/OCF 10.6
P/B 1.73
P/tB 1.74
EV/EBITDA N/A
EPS(TTM)4.26
EY8.05%
EPS(NY)5.61
Fwd EY10.6%
FCF(TTM)4.9
FCFY9.26%
OCF(TTM)4.99
OCFY9.43%
SpS11.05
BVpS30.52
TBVpS30.37
PEG (NY)0.57
PEG (5Y)0.91
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
WACC11.21%
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)11.81%
EPS 3Y5.88%
EPS 5Y13.66%
EPS Q2Q%21.51%
EPS Next Y21.97%
EPS Next 2Y17.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.26%
Revenue growth 3Y6.32%
Revenue growth 5Y9.79%
Sales Q2Q%12.52%
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%