UNTY
VENTE TOTALE: 7 349 titres (~434 736,51 $ US)
- Insiders
- Boyan George
- Total bought
- —
- Total sold
- $434,737
- Last activity
- 2026-09-03
- Last synced
-
2026-09-09 09:58:02
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bearish signal Scored 2026-09-08
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.
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
Valuation
Market cap ▲+18.6%EV / Sales ▲+0.9%EV / EBITDA ▼-15.2%EV / Op. cash flow ▲+2.493Earnings yield ▲+0.017Graham number ▲+14.569
Profitability
Return on equity ▲+0.027Return on assets ▲+0.004Return on invested capital ▲+0.020Return on capital employed ▲+0.025Operating ROA ▲+0.006Income quality ▼-0.383Tax burden ▲+0.005
Efficiency
Days sales outstanding ▼-3.423Days payables outstanding ▼-10.171Operating cycle ▼-3.423Cash conversion cycle ▲+6.748Capex / Sales ▼-0.001R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.061Net debt / EBITDA ▼-0.251Working capital ▼-83810000.000Invested capital ▼-84566000.000Intangibles / Total assets -0.000
Change over 5 years
Valuation
Market cap ▲+90.0%EV / Sales ▲+244.6%EV / EBITDA ▲+330.5%EV / Op. cash flow ▲+10.081Earnings yield ▼-0.021Graham number ▲+27.606
Profitability
Return on equity ▼-0.008Return on assets ▲+0.002Return on invested capital ▼-0.043Return on capital employed ▼-0.061Operating ROA ▲+0.003Income quality ▼-0.126Tax burden ▲+0.017
Efficiency
Days sales outstanding ▼-11.548Days payables outstanding ▼-5.944Operating cycle ▼-11.548Cash conversion cycle ▼-5.605Capex / Sales ▼-0.010R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.018Net debt / EBITDA ▲+4.437Working capital ▼-521690000.000Invested capital ▼-528782000.000Intangibles / Total assets -0.000
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
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.