52.5 USD
-0.51 (-0.96%)
We assign a fundamental rating of 6 out of 10 to UNTY. UNTY was compared to 388 industry peers in the Banks industry. UNTY has an average financial health and profitability rating. UNTY is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! With these ratings, UNTY could be worth investigating further for growth investing!.
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.
In the past 5 years UNTY has always been profitable.
Each year in the past 5 years UNTY had a positive operating cash flow.
1.2 Ratios
UNTY has a Return On Assets of 1.88%. This is amongst the best in the industry. UNTY outperforms 95.10% of its industry peers.
Looking at the Return On Equity, with a value of 16.16%, UNTY belongs to the top of the industry, outperforming 95.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.88% | ||
| ROE | 16.16% | ||
| 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
1.3 Margins
The Profit Margin of UNTY (43.20%) is better than 97.68% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 43.2% | ||
| 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
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
UNTY has less shares outstanding than it did 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.
Looking at the Debt to FCF ratio, with a value of 0.17, UNTY belongs to the top of the industry, outperforming 86.60% 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 84.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.17 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.98%
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 23.91%, which is quite impressive.
The Earnings Per Share has been growing by 13.66% on average over the past years. This is quite good.
Looking at the last year, UNTY shows a quite strong growth in Revenue. The Revenue has grown by 18.69% in the last year.
The Revenue has been growing by 9.79% on average over the past years. This is quite good.
EPS 1Y (TTM)23.91%
EPS 3Y5.88%
EPS 5Y13.66%
EPS Q2Q%27.1%
Revenue 1Y (TTM)18.69%
Revenue growth 3Y6.32%
Revenue growth 5Y9.79%
Sales Q2Q%13.05%
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 15.88% on average per year.
UNTY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.73% yearly.
EPS Next Y27.53%
EPS Next 2Y19.07%
EPS Next 3Y15.88%
EPS Next 5YN/A
Revenue Next Year18.27%
Revenue Next 2Y14.66%
Revenue Next 3Y13.73%
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 stable.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.89 indicates a reasonable valuation of UNTY.
Based on the Price/Earnings ratio, UNTY is valued a bit cheaper than the industry average as 70.62% of the companies are valued more expensively.
UNTY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.92.
The Price/Forward Earnings ratio is 9.12, which indicates a very decent valuation of UNTY.
UNTY's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UNTY is cheaper than 74.23% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.46, UNTY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.89 | ||
| Fwd PE | 9.12 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, UNTY is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.77 | ||
| 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.
A more expensive valuation may be justified as UNTY's earnings are expected to grow with 15.88% in the coming years.
PEG (NY)0.4
PEG (5Y)0.8
EPS Next 2Y19.07%
EPS Next 3Y15.88%
5. Dividend
5.1 Amount
UNTY has a Yearly Dividend Yield of 1.13%.
With a Dividend Yield of 1.13, UNTY pays less dividend than the industry average, which is at 2.74. 81.19% of the companies listed in the same industry pay a better dividend than UNTY!
Compared to an average S&P500 Dividend Yield of 2.00, UNTY's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.13% |
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.
The dividend of UNTY is growing, but earnings are growing more, so the dividend growth is sustainable.
DP10.03%
EPS Next 2Y19.07%
EPS Next 3Y15.88%
NASDAQ:UNTY (12/26/2025, 8:19:51 PM)
52.5
-0.51 (-0.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners51.82%
Inst Owner Change2.03%
Ins Owners28.23%
Ins Owner Change0.35%
Market Cap527.10M
Revenue(TTM)124.95M
Net Income(TTM)53.98M
Analysts84.44
Price Target61.2 (16.57%)
Short Float %0.99%
Short Ratio1.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.13% |
Yearly Dividend0.5
Dividend Growth(5Y)10.72%
DP10.03%
Div Incr Years11
Div Non Decr Years11
Ex-Date
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)-1.33%
EPS NQ rev (3m)5.11%
EPS NY rev (1m)0.93%
EPS NY rev (3m)3.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.45%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.89 | ||
| Fwd PE | 9.12 | ||
| P/S | 4.22 | ||
| P/FCF | 8.77 | ||
| P/OCF | 8.63 | ||
| P/B | 1.58 | ||
| P/tB | 1.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.82
EY9.18%
EPS(NY)5.76
Fwd EY10.96%
FCF(TTM)5.98
FCFY11.4%
OCF(TTM)6.09
OCFY11.59%
SpS12.45
BVpS33.27
TBVpS33.12
PEG (NY)0.4
PEG (5Y)0.8
Graham Number60.07
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)1.56%
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
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 3Y-1.53%
PM growth 5Y1.9%
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
WACC10.98%
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)23.91%
EPS 3Y5.88%
EPS 5Y13.66%
EPS Q2Q%27.1%
EPS Next Y27.53%
EPS Next 2Y19.07%
EPS Next 3Y15.88%
EPS Next 5YN/A
Revenue 1Y (TTM)18.69%
Revenue growth 3Y6.32%
Revenue growth 5Y9.79%
Sales Q2Q%13.05%
Revenue Next Year18.27%
Revenue Next 2Y14.66%
Revenue Next 3Y13.73%
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-6.66%
FCF growth 3Y14.77%
FCF growth 5Y7.8%
OCF growth 1Y-7.98%
OCF growth 3Y13.84%
OCF growth 5Y7.65%
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.
What is the valuation status for UNTY stock?
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.
Can you provide the PE and PB ratios for UNTY stock?
The Price/Earnings (PE) ratio for UNITY BANCORP INC (UNTY) is 10.89 and the Price/Book (PB) ratio is 1.58.
Can you provide the financial health for UNTY stock?
The financial health rating of UNITY BANCORP INC (UNTY) is 5 / 10.