UNITY BANCORP INC (UNTY) Stock Fundamental Analysis

NASDAQ:UNTY • US9132901029

53.19 USD
-0.16 (-0.3%)
At close: Feb 27, 2026
53.19 USD
0 (0%)
After Hours: 2/27/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

UNTY gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. UNTY has only an average score on both its financial health and profitability. 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!.


Dividend Valuation Growth Profitability Health

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.
  • In the past 5 years UNTY has always been profitable.
  • UNTY had a positive operating cash flow in 4 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M 20M 30M 40M 50M

1.2 Ratios

  • The Return On Assets of UNTY (1.88%) is better than 94.99% of its industry peers.
  • The Return On Equity of UNTY (16.16%) is better than 94.72% of its industry peers.
Industry RankSector 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
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

  • The Profit Margin of UNTY (43.20%) is better than 97.63% 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 RankSector 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
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

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

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.
  • The debt/assets ratio for UNTY has been reduced compared to a year ago.
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 0.17. This is a very positive value and a sign of high solvency as it would only need 0.17 years to pay back of all of its debts.
  • The Debt to FCF ratio of UNTY (0.17) is better than 86.81% of its industry peers.
  • A Debt/Equity ratio of 0.03 indicates that UNTY is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.03, UNTY belongs to the top of the industry, outperforming 84.43% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.17
Altman-Z N/A
ROIC/WACCN/A
WACC10.75%
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 10M 20M 30M

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

7

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.
  • Measured over the past years, UNTY shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.51% on average per year.
  • UNTY shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.10%.
  • The Revenue has been growing by 11.24% on average over the past years. This is quite good.
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

  • 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.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
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

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.39, the valuation of UNTY can be described as very reasonable.
  • 78.36% of the companies in the same industry are more expensive than UNTY, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.10, UNTY is valued rather cheaply.
  • UNTY is valuated reasonably with a Price/Forward Earnings ratio of 8.95.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of UNTY indicates a rather cheap valuation: UNTY is cheaper than 82.59% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. UNTY is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.39
Fwd PE 8.95
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 ratio is a bit cheaper when compared to the industry. UNTY is cheaper than 77.84% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.84
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)0.65
PEG (5Y)0.56
EPS Next 2Y14.01%
EPS Next 3YN/A

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.12%, UNTY has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.74, UNTY's dividend is way lower than its industry peers. On top of this 81.53% 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 1.80.
Industry RankSector Rank
Dividend Yield 1.12%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)10.72%
Div Incr Years11
Div Non Decr Years11
UNTY Yearly Dividends per shareUNTY Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

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 more than its dividend. This makes the dividend growth sustainable.
DP10.03%
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

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Find the best dividend stocksShow peers with best dividend

UNITY BANCORP INC

NASDAQ:UNTY (2/27/2026, 8:00:02 PM)

After market: 53.19 0 (0%)

53.19

-0.16 (-0.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-13
Earnings (Next)04-09
Inst Owners55.42%
Inst Owner Change-1.68%
Ins Owners28.22%
Ins Owner Change1.56%
Market Cap530.84M
Revenue(TTM)131.81M
Net Income(TTM)53.98M
Analysts84.44
Price Target66.3 (24.65%)
Short Float %1.16%
Short Ratio1.71
Dividend
Industry RankSector Rank
Dividend Yield 1.12%
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)8.33%
PT rev (3m)10.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.33%
EPS NY rev (1m)2.85%
EPS NY rev (3m)3.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.02%
Valuation
Industry RankSector Rank
PE 10.39
Fwd PE 8.95
P/S 4.25
P/FCF 8.84
P/OCF 8.69
P/B 1.59
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)5.12
EY9.63%
EPS(NY)5.94
Fwd EY11.17%
FCF(TTM)6.02
FCFY11.32%
OCF(TTM)6.12
OCFY11.51%
SpS12.52
BVpS33.47
TBVpS33.32
PEG (NY)0.65
PEG (5Y)0.56
Graham Number62.09
Profitability
Industry RankSector 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 RankSector 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
WACC10.75%
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 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 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 10.39 and the Price/Book (PB) ratio is 1.59.


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 16.04% in the next year.