UNTY Stock Analysis: Unity Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 571m USD | 12M Return: 16.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.87M
EPS Trend: 93.9%
Qual. Beats: 0
Rev. Trend: 97.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Unity Bancorp, Inc. is a bank holding company that operates Unity Bank, providing commercial and retail banking services primarily to individuals and businesses. Its deposit offerings include checking, savings, money market, retirement, and time deposit accounts, while its lending portfolio spans commercial, small business administration (SBA), consumer, mortgage, and home equity loans, including owner- and non-owner-occupied commercial mortgages. The company is also active in residential construction, commercial, and industrial lending secured by assets such as real estate, receivables, inventory, and equipment.
Beyond core banking products, Unity Bancorp provides ancillary services including credit and debit cards, wire transfers, safe deposit boxes, ATMs, internet and mobile banking, automated clearing house (ACH) origination, and remote deposit capture. It also offers business services such as escrow accounts, merchant services, and online banking tools. As a U.S. regional bank holding company, it operates within a sector that typically focuses on local and community-based lending and deposit gathering, often serving small and middle-market businesses that are underserved by larger national banks.
The company was founded in 1991 and is headquartered in Clinton, New Jersey. It trades on the NASDAQ under the ticker UNTY and is classified within the Financials sector under the Regional Banks sub-industry.
- Net interest margin compression pressures profitability as Fed cuts rates
- Commercial real estate and construction loan growth drives earnings
- Deposit costs rise amid regional bank competition for funding
| Net Income: 58.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.41 > 1.0 |
| NWC/Revenue: -1.10k% < 20% (prev -1.06k%; Δ -45.96% < -1%) |
| CFO/TA 0.01 > 3% & CFO 42.0m > Net Income 58.6m |
| Net Debt (-37.6m) to EBITDA (80.3m): -0.47 < 3 |
| Current Ratio: 0.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.2m) vs 12m ago -0.02% < -2% |
| Gross Margin: 63.36% > 18% (prev 65.23%; Δ -1.87% > 0.5%) |
| Asset Turnover: 6.84% > 50% (prev 6.05%; Δ 0.79% > 0%) |
| Interest Coverage Ratio: 1.33 > 6 (EBIT TTM 77.5m / Interest Expense TTM 58.3m) |
| A: -0.72 (Total Current Assets 474.6m - Total Current Liabilities 2.78b) / Total Assets 3.19b |
| B: 0.08 (Retained Earnings 269.5m / Total Assets 3.19b) |
| C: 0.03 (EBIT TTM 77.5m / Avg Total Assets 3.06b) |
| D: 0.13 (Book Value of Equity 371.8m / Total Liabilities 2.82b) |
| Altman-Z'' = -4.15 = D |
| DSRI: 0.89 (Receivables 13.0m/12.4m, Revenue 209.4m/177.2m) |
| GMI: 1.03 (GM 65.23% / 63.36%) |
| AQI: 0.96 (AQ_t 0.85 / AQ_t-1 0.88) |
| SGI: 1.18 (Revenue 209.4m / 177.2m) |
| TATA: 0.01 (NI 58.6m - CFO 42.0m) / TA 3.19b) |
| Beneish M = -2.99 (Cap -4..+1) = A |
As of July 28, 2026, the stock is trading at USD 58.11 with a total of 53,675 shares traded. Over the past week, the price has changed by +1.75%, over one month by -1.01%, over three months by +10.18% and over the past year by +16.76%.
Current recommended Stop Loss: 55.30 (which is 4.8% or 1.6 ATR below the current price).
Unity Bancorp has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy UNTY.
- StrongBuy: 1
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 68.6 | 18% |
P/E Trailing = 9.9597
P/E Forward = 8.3893
P/S = 4.3781
P/B = 1.5471
P/EG = 0.991
Revenue TTM = 209.4m USD
EBIT TTM = 77.5m USD
EBITDA TTM = 80.3m USD
Long Term Debt = 266.1m USD (from longTermDebt, last fiscal year)
Short Term Debt = 316.1m USD (from shortTermDebt, last quarter)
Debt = 332.0m USD (from shortLongTermDebtTotal, last quarter) + Leases 5.60m
Net Debt = -37.6m USD (calculated: Debt 332.0m - CCE 369.6m)
Enterprise Value = 533.4m USD (571.0m + Debt 332.0m - CCE 369.6m)
Interest Coverage Ratio = 1.33 (Ebit TTM 77.5m / Interest Expense TTM 58.3m)
EV/FCF = 13.20x (Enterprise Value 533.4m / FCF TTM 40.4m)
FCF Yield = 7.57% (FCF TTM 40.4m / Enterprise Value 533.4m)
FCF Margin = 19.29% (FCF TTM 40.4m / Revenue TTM 209.4m)
Net Margin = 27.99% (Net Income TTM 58.6m / Revenue TTM 209.4m)
Gross Margin = 63.36% ((Revenue TTM 209.4m - Cost of Revenue TTM 76.7m) / Revenue TTM)
Gross Margin QoQ = 67.10% (prev 67.75%)
Tobins Q-Ratio = 0.17 (Enterprise Value 533.4m / Total Assets 3.19b)
Interest Expense / Debt = 17.55% (Interest Expense 58.3m / Debt 332.0m)
Taxrate = 22.56% (17.1m / 75.7m)
NOPAT = 60.0m (EBIT 77.5m * (1 - 22.56%))
Current Ratio = 0.17 (Total Current Assets 474.6m / Total Current Liabilities 2.78b)
Debt / Equity = 0.89 (Debt 332.0m / totalStockholderEquity, last quarter 371.8m)
Debt / EBITDA = -0.47 (Net Debt -37.6m / EBITDA 80.3m)
Debt / FCF = -0.93 (Net Debt -37.6m / FCF TTM 40.4m)
Total Stockholder Equity = 352.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.92% (Net Income 58.6m / Total Assets 3.19b)
RoE = 16.64% (Net Income TTM 58.6m / Total Stockholder Equity 352.4m)
RoCE = 12.53% (EBIT 77.5m / Capital Employed (Equity 352.4m + L.T.Debt 266.1m))
RoIC = 8.35% (NOPAT 60.0m / Invested Capital 718.5m)
WACC = 10.23% (E(571.0m)/V(903.1m) * Re(8.28%) + D(332.0m)/V(903.1m) * Rd(17.55%) * (1-Tc(0.23)))
Discount Rate = 8.28% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 1.72 | Cagr: -0.29%
[DCF] Terminal Value 66.41% ; FCFF base≈43.9m ; Y1≈38.5m ; Y5≈31.1m
[DCF] Fair Price = 41.76 (EV 381.7m - Net Debt -37.6m = Equity 419.3m / Shares 10.0m; r=10.23% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 93.95 | EPS CAGR: 21.05% | SUE: -0.14 | # QB: 0
Revenue Correlation: 97.03 | Revenue CAGR: 16.01% | SUE: 0.71 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.50 | Chg30d=+1.01% | Revisions=-25% | Analysts=4
EPS current Year (2026-12-31): EPS=5.85 | Chg30d=+0.19% | Revisions=-25% | GrowthEPS=+3.1% | GrowthRev=+2.1%
EPS next Year (2027-12-31): EPS=6.36 | Chg30d=+0.52% | Revisions=-25% | GrowthEPS=+8.8% | GrowthRev=+12.0%
[Analyst] Revisions Ratio: -50% (up=0, down=3)