UNTY
Neutral signalScored 2026-09-08 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
Unity Bancorp, Inc.
- Nom
- Unity Bancorp, Inc.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $583.9M
- Employés
- 242
- PDG
- James A. Hughes
- Site web
- https://www.unitybank.com
- Marché
- BCBPCFBKCMTVCZWIHBCPJMSB
As the parent entity of Unity Bank, Unity Bancorp, Inc. delivers a comprehensive range of commercial and retail banking solutions, catering to individual consumers, small and mid-sized enterprises, and professional organizations. Its product portfolio encompasses various deposit accounts, such as personal and business checking, certificates of deposit (time deposits), money market accounts, and traditional savings accounts, alongside both interest-earning and non-interest-bearing demand deposit options. Furthermore, the bank extends a variety of lending products, including Small Business Administration (SBA) loans, commercial financing, and consumer credit facilities, which feature residential mortgages, home equity lines of credit and loans, residential construction financing, and personal loans. Customers can access these services both online and through its network of nineteen physical branches, strategically situated across Bergen, Hunterdon, Middlesex, Somerset, Union, and Warren counties in New Jersey, and Northampton County in Pennsylvania. Established in 1991, Unity Bancorp, Inc. maintains its corporate headquarters in Clinton, New Jersey.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 7 349 titres (~434 736,51 $ US)
- Insiders
- Boyan George
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$461,172
Avg sell (VWAP, 90d window) $58.98 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-09-03
- Last synced
-
2026-09-09 09:58:02
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-20 | Maricondo Peter E | Sell · S | 470 | $56.25 | $26,436 | Form 4 |
| 2026-09-03 | Boyan George | Sell · S | 6,504 | $59.16 | $384,792 | Form 4 |
| 2026-09-02 | Boyan George | Sell · S | 845 | $59.11 | $49,945 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-09-08 Drivers: fundamentals. Moteurs : fondamentaux.
UNTY presents a deeply conflicted profile: while operational fundamentals show improving margins and cash flow generation (trend score: 75), the critically low liquidity ratios (0.16 current/quick) and negative working…
The first sentence of the analysis written for UNTY on 2026-09-08 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.16 · operating margin 40% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 67.9% | 62.5% | 65.7% | 86.2% | 91.7% | |
| Ebit Margin | 40.1% | 33.4% | 35.2% | 47.5% | 50.3% | |
| Ebitda Margin | 41.6% | 34.9% | 36.7% | 50.0% | 51.9% | |
| Operating Profit Margin | 40.1% | 33.4% | 35.2% | 47.5% | 50.3% | |
| Pretax Profit Margin | 40.1% | 33.4% | 35.2% | 47.5% | 50.3% | |
| Continuous Operations Profit Margin | 30.8% | 25.4% | 26.3% | 35.5% | 37.7% | |
| Net Profit Margin | 30.8% | 25.4% | 26.3% | 35.5% | 37.7% | |
| Bottom Line Profit Margin | 30.8% | 25.4% | 26.3% | 35.5% | 37.7% | |
| Current Ratio | 0.160 | 0.099 | 0.154 | 0.128 | 0.179 | |
| Quick Ratio | 0.160 | 0.099 | 0.154 | 0.128 | 0.179 | |
| Solvency Ratio | 0.023 | 0.019 | 0.018 | 0.019 | 0.021 | |
| Cash Ratio | 0.092 | 0.086 | 0.100 | 0.063 | 0.138 | |
| Price To Earnings Ratio | 8.948 | 10.559 | 7.607 | 7.467 | 7.565 | |
| Price To Earnings Growth Ratio | 0.224 | 1.711 | 1.210 | 1.364 | 0.133 | |
| Forward Price To Earnings Growth Ratio | 0.224 | 1.711 | 1.210 | 1.364 | 0.133 | |
| Price To Earnings Diluted Ratio | 9.122 | 10.741 | 7.706 | 7.613 | 7.653 | |
| Price To Earnings Diluted Growth Ratio | 0.230 | 1.875 | 1.107 | 1.632 | 0.135 | |
| Price To Book Ratio | 1.501 | 1.480 | 1.155 | 1.200 | 1.327 | |
| Price To Sales Ratio | 2.754 | 2.683 | 2.004 | 2.653 | 2.851 | |
| Price To Free Cash Flow Ratio | 11.702 | 9.250 | 6.572 | 6.973 | 8.730 | |
| Price To Operating Cash Flow Ratio | 11.555 | 9.116 | 6.439 | 6.730 | 8.395 | |
| Debt To Assets Ratio | 0.090 | 0.087 | 0.142 | 0.163 | 0.027 | |
| Debt To Equity Ratio | 0.770 | 0.781 | 1.403 | 1.667 | 0.270 | |
| Debt To Capital Ratio | 0.435 | 0.438 | 0.584 | 0.625 | 0.213 | |
| Long Term Debt To Capital Ratio | 0.435 | 0.438 | 0.584 | 0.622 | 0.196 | |
| Financial Leverage Ratio | 8.583 | 8.979 | 9.863 | 10.220 | 9.885 | |
| Working Capital Turnover Ratio | -0.097 | -0.092 | -0.093 | -0.071 | -0.065 | |
| Operating Cash Flow Ratio | 0.019 | 0.023 | 0.024 | 0.024 | 0.018 | |
| Operating Cash Flow Sales Ratio | 0.238 | 0.294 | 0.311 | 0.394 | 0.340 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.987 | 0.986 | 0.980 | 0.965 | 0.962 | |
| Debt Service Coverage Ratio | 1.074 | 0.771 | 0.868 | 3.877 | 4.874 | |
| Interest Coverage Ratio | 1.334 | 0.952 | 1.093 | 4.837 | 6.218 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.169 | 0.208 | 0.128 | 0.107 | 0.585 | |
| Capital Expenditure Coverage Ratio | 79.621 | 69.245 | 49.119 | 28.791 | 26.044 | |
| Dividend Paid And Capex Coverage Ratio | 7.275 | 8.398 | 8.264 | 7.288 | 6.685 | |
| Dividend Payout Ratio | 0.097 | 0.121 | 0.119 | 0.114 | 0.100 | |
| Enterprise Value Multiple | 7.258 | 8.563 | 8.559 | 10.545 | 1.686 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 67.9% | ▲5.3% | ▼-7.0% |
| Ebit Margin | 40.1% | ▲6.7% | ▼-1.2% |
| Ebitda Margin | 41.6% | ▲6.6% | ▼-1.5% |
| Operating Profit Margin | 40.1% | ▲6.7% | ▼-1.2% |
| Pretax Profit Margin | 40.1% | ▲6.7% | ▼-1.2% |
| Continuous Operations Profit Margin | 30.8% | ▲5.3% | ▼-0.4% |
| Net Profit Margin | 30.8% | ▲5.3% | ▼-0.4% |
| Bottom Line Profit Margin | 30.8% | ▲5.3% | ▼-0.4% |
| Current Ratio | 0.160 | ▲0.061 | ▲0.016 |
| Quick Ratio | 0.160 | ▲0.061 | ▲0.016 |
| Solvency Ratio | 0.023 | ▲0.004 | ▲0.003 |
| Cash Ratio | 0.092 | ▲0.006 | ▼-0.004 |
| Price To Earnings Ratio | 8.948 | ▼-1.611 | ▲0.519 |
| Price To Earnings Growth Ratio | 0.224 | ▼-1.488 | ▼-0.705 |
| Forward Price To Earnings Growth Ratio | 0.224 | ▼-1.488 | ▼-0.705 |
| Price To Earnings Diluted Ratio | 9.122 | ▼-1.620 | ▲0.555 |
| Price To Earnings Diluted Growth Ratio | 0.230 | ▼-1.645 | ▼-0.766 |
| Price To Book Ratio | 1.501 | ▲0.021 | ▲0.168 |
| Price To Sales Ratio | 2.754 | ▲0.072 | ▲0.165 |
| Price To Free Cash Flow Ratio | 11.702 | ▲2.453 | ▲3.057 |
| Price To Operating Cash Flow Ratio | 11.555 | ▲2.439 | ▲3.108 |
| Debt To Assets Ratio | 0.090 | ▲0.003 | ▼-0.012 |
| Debt To Equity Ratio | 0.770 | ▼-0.011 | ▼-0.208 |
| Debt To Capital Ratio | 0.435 | ▼-0.004 | ▼-0.024 |
| Long Term Debt To Capital Ratio | 0.435 | ▼-0.004 | ▼-0.020 |
| Financial Leverage Ratio | 8.583 | ▼-0.396 | ▼-0.923 |
| Working Capital Turnover Ratio | -0.097 | ▼-0.005 | ▼-0.013 |
| Operating Cash Flow Ratio | 0.019 | ▼-0.004 | ▼-0.003 |
| Operating Cash Flow Sales Ratio | 0.238 | ▼-0.056 | ▼-0.077 |
| Free Cash Flow Operating Cash Flow Ratio | 0.987 | ▲0.002 | ▲0.011 |
| Debt Service Coverage Ratio | 1.074 | ▲0.303 | ▼-1.219 |
| Interest Coverage Ratio | 1.334 | ▲0.382 | ▼-1.552 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.169 | ▼-0.039 | ▼-0.070 |
| Capital Expenditure Coverage Ratio | 79.621 | ▲10.375 | ▲29.056 |
| Dividend Paid And Capex Coverage Ratio | 7.275 | ▼-1.124 | ▼-0.307 |
| Dividend Payout Ratio | 0.097 | ▼-0.024 | ▼-0.013 |
| Enterprise Value Multiple | 7.258 | ▼-1.304 | ▼-0.064 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $518.9M | $437.5M | $302.0M | $287.2M | $273.1M | |
| Enterprise value | $568.5M | $487.8M | $474.0M | $571.3M | $83.9M | |
| EV / Sales | 3.02x | 2.99x | 3.15x | 5.28x | 0.88x | |
| EV / Op. cash flow | 12.66x | 10.17x | 10.11x | 13.39x | 2.58x | |
| EV / Free cash flow | 12.82x | 10.31x | 10.31x | 13.87x | 2.68x | |
| EV / EBITDA | 7.26x | 8.56x | 8.56x | 10.54x | 1.69x | |
| Net debt / EBITDA | 0.63x | 0.88x | 3.10x | 5.24x | -3.80x | |
| Current ratio | 0.16x | 0.10x | 0.15x | 0.13x | 0.18x | |
| Income quality | 0.78x | 1.16x | 1.18x | 1.11x | 0.90x | |
| Graham number | $67 | $52 | $47 | $43 | $39 | |
| Graham net-net | -$226 | -$215 | -$198 | -$189 | -$146 | |
| Tax burden | 76.7% | 76.2% | 74.9% | 74.8% | 75.0% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$1.98B | -$1.89B | -$1.65B | -$1.58B | -$1.46B | |
| Invested capital | -$1.96B | -$1.87B | -$1.63B | -$1.56B | -$1.43B | |
| Return on assets | 2.0% | 1.6% | 1.5% | 1.6% | 1.8% | |
| Operating ROA | 2.7% | 2.1% | 2.1% | 2.3% | 2.4% | |
| Return on tangible assets | 2.0% | 1.6% | 1.5% | 1.6% | 1.8% | |
| Return on equity | 16.8% | 14.0% | 15.2% | 16.1% | 17.6% | |
| Return on invested capital | 9.5% | 7.5% | 6.3% | 6.1% | 13.8% | |
| Return on capital employed | 12.3% | 9.9% | 8.4% | 8.1% | 18.4% | |
| Earnings yield | 11.2% | 9.5% | 13.1% | 13.4% | 13.2% | |
| Free cash flow yield | 8.5% | 10.8% | 15.2% | 14.3% | 11.5% | |
| Capex / Op. cash flow | 1.3% | 1.4% | 2.0% | 3.5% | 3.8% | |
| Capex / Depreciation | 20.1% | 26.9% | 40.1% | 53.8% | 77.6% | |
| Capex / Sales | 0.3% | 0.4% | 0.6% | 1.4% | 1.3% | |
| SG&A / Sales | 20.6% | 20.5% | 21.9% | 27.8% | 28.9% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.1% | 1.1% | 1.2% | 1.6% | 1.7% | |
| Intangibles / Total assets | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | |
| Days sales outstanding | 25d | 28d | 33d | 45d | 37d | |
| Days payables outstanding | 0d | 10d | 14d | 17d | 6d | |
| Operating cycle | 25d | 28d | 33d | 45d | 37d | |
| Cash conversion cycle | 25d | 18d | 19d | 28d | 31d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-09-02 550,326 Shares in Unity Bancorp, Inc. $UNTY Purchased by BlackRock Inc. BlackRock Inc. bought a new stake in shares of Unity Bancorp, Inc. (NASDAQ: UNTY) in the second quarter, according to its most recent filing with the Securities and Exchange Commission. The institutional investor bought 550,326 shares of the financial services provider''s stock, valued at approximately $32,299,000. BlackRock Inc. owned about 5.48% of Unity
- 2026-08-24 3 Bank Stocks With Recent Dividend Increases Worth Considering Dividend hikes from Unity Bancorp, Stock Yards Bancorp and Chemung Financial highlight their profitability, capital strength and income appeal.
- 2026-08-20 Unity Bancorp Announces 6% Increase in Third Quarter Dividend CLINTON, N.J., Aug. 20, 2026 (GLOBE NEWSWIRE) -- Unity Bancorp, Inc. (NASDAQ: UNTY), parent company of Unity Bank, announced that its Board of Directors has declared a cash dividend of $0.17 per common share. Such dividend is payable on September 17, 2026, to shareholders of record as of September 3, 2026.
- 2026-08-07 Unity Bancorp, Inc. Mourns the Passing of Director Robert ("Bobby") H. Dallas II CLINTON, N.J., Aug. 07, 2026 (GLOBE NEWSWIRE) -- Unity Bancorp, Inc. (NASDAQ: UNTY), parent company of Unity Bank, today announced with profound sadness the passing of Robert ("Bobby") H. Dallas II. Mr. Dallas was a founding member of the Bank and served on the Company''s Board since inception and brother of Chairman David D. Dallas. He played an instrumental role in helping guide Unity from a community bank startup to one of New Jersey''s strongest independent banking franchises. His leadership, wisdom, and unwavering commitment to customers, communities, employees, and shareholders helped shape the organization for more than three decades.
- 2026-08-04 Unity Bank Named New Jersey Economic Development Authority Premier Lender Partnership expands access to capital for small businesses across New Jersey Partnership expands access to capital for small businesses across New Jersey
- 2026-07-14 Unity Bancorp: A Resilient Regional Bank Unity Bancorp, Inc. remains a quality Hold, with no compelling buy or sell catalyst as 2026 unfolds. Q2 showed strong loan and deposit growth, margin expansion to 4.56%, and resilient asset quality despite minor softening. UNTY trades at a significant premium to book value ($56 vs. $37.02), making shares expensive for new entry.
- 2026-07-14 Compared to Estimates, Unity Bancorp (UNTY) Q2 Earnings: A Look at Key Metrics Although the revenue and EPS for Unity Bancorp (UNTY) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
- 2026-07-14 Unity Bancorp (UNTY) Misses Q2 Earnings and Revenue Estimates Unity Bancorp (UNTY) came out with quarterly earnings of $1.42 per share, missing the Zacks Consensus Estimate of $1.44 per share. This compares to earnings of $1.2 per share a year ago.
- 2026-07-14 Unity Bancorp Reports Quarterly Earnings of $14.5 Million CLINTON, N.J., July 14, 2026 (GLOBE NEWSWIRE) -- Unity Bancorp, Inc. (NASDAQ: UNTY), parent company of Unity Bank, reported net income of $14.5 million, or $1.42 per diluted share, for the quarter ended June 30, 2026, compared to net income of $14.3 million, or $1.40 per diluted share for the quarter ended March 31, 2026.
- 2026-07-01 Unity Bancorp Remains Cheap Enough To Bank On Unity Bancorp is maintained as a ''strong buy'' due to robust fundamentals, expanding margins, and attractive valuation. UNTY''s organic deposit growth, low uninsured deposit ratio (21.6%), and focus on debt reduction and liquidity strengthen its balance sheet. Net interest margin improved to 4.53%, with net profits rising from $11.6M to $14.3M and a low P/E multiple of 9.7.