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Unity Bancorp, Inc.(UNTY)Earnings, Financials & Key Ratios
UNTY•NASDAQ•Banking & Credit
10.0× P/E·Price updated Jun 13, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutUnity Bancorp, Inc. operates as the holding company for Unity Bank that provides commercial and retail banking products and services to individuals, small and medium sized businesses, and professional communities. The company offers personal and business checking accounts, time deposits, money market accounts, and regular savings accounts, as well as noninterest and interest-bearing demand deposits. It also provides small business administration loans; commercial loans; and residential mortgage and consumer loans, including residential real estate, home equity lines and loans, and residential construction lines, as well as personal loans. the company offered its services through the Internet and nineteen branch offices located in Bergen, Hunterdon, Middlesex, Somerset, Union, and Warren counties in New Jersey, as well as Northampton County, Pennsylvania. Unity Bancorp, Inc. was incorporated in 1991 and is based in Clinton, New Jersey.Show more
- Net Interest Income$117M+18.7%
- Total Revenue$188M+15.5%
- Net Income$58M+39.8%
- Return on Equity18.08%+21.4%
- Net Interest Margin3.94%+6.2%
- Efficiency Ratio27.79%-4.8%
- ROA2.06%+30.2%
- Equity / Assets11.65%+4.6%
- Book Value per Share33.81+16.7%
- Tangible BV/Share33.66+16.8%
- Debt/Equity0.77-1.4%
UNTY Key Insights
Unity Bancorp, Inc. (UNTY) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 19.6%
- ✓Strong NIM of 3.9%
- ✓Efficient operations: 27.8% efficiency ratio
- ✓12 consecutive years of dividend growth
- ✓Well capitalized: 11.7% equity/assets
- ✓Good 3Y average ROE of 16.3%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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UNTY Price & Volume
Unity Bancorp, Inc. (UNTY) stock price & volume — 10-year historical chart
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UNTY Growth Metrics
Unity Bancorp, Inc. (UNTY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years14.33%
5 Years15.66%
3 Years20.28%
TTM-
Profit CAGR
10 Years19.75%
5 Years19.64%
3 Years14.65%
TTM39.82%
EPS CAGR
10 Years18.71%
5 Years20.96%
3 Years16.46%
TTM39.66%
Return on Capital
10 Years9.64%
5 Years11.37%
3 Years10.2%
Last Year12.98%
UNTY Recent Earnings
Unity Bancorp, Inc. (UNTY) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (100%)●Beat Revenue 6/12 qtrs (60%)
Q2 2026Latest
Apr 13, 2026EPS
$1.40
Est $1.37
+2.2%
Revenue
$34M
Est $34M
+0.0%
Q2 2026
Apr 10, 2026EPS
$1.40
Est $1.37
+2.2%
Revenue
$34M
Est $34M
+0.0%
Q2 2026
Mar 4, 2026EPS
$1.52
Revenue
$50M
Q1 2026
Jan 21, 2026EPS
$1.41
Est $1.35
+4.4%
Revenue
$35M
Est $33M
+6.0%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 13, 2026 | $1.40vs $1.37+2.2% | $34Mvs $34M+0.0% |
| Q2 2026 | Apr 10, 2026 | $1.40vs $1.37+2.2% | $34Mvs $34M+0.0% |
| Q2 2026 | Mar 4, 2026 | $1.52 | $50M |
| Q1 2026 | Jan 21, 2026 | $1.41vs $1.35+4.4% | $35Mvs $33M+6.0% |
Based on last 12 quarters of dataView full earnings history →
UNTY Peer Comparison
Unity Bancorp, Inc. (UNTY) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.52B | 48.18 | 14.47 | 10.36% | 18.76% | 9.51% | 0.17 | |
 CZNC | 395.24M | 22.06 | 15.11 | -0.82% | 10.52% | 5.54% | 0.56 | |
 FUNC | 272.21M | 41.87 | 11.11 | 6.6% | 20.51% | 12.61% | 0.56 | |
 MNSB | 183.64M | 24.93 | 14.16 | -1.44% | 11.53% | 7.26% | 0.32 | |
 NFBK | 617.27M | 14.78 | 746.46 | -26.69% | 0.3% | 0.11% | 1.44 | |
 OCFC | 1.07B | 18.60 | 15.90 | -4.7% | 10.75% | 4.26% | 0.98 | |
 PBFS | 423.05M | 16.87 | 22.20 | -10.72% | 15.32% | 6.19% | ||
 CHMG | 348.82M | 72.51 | 23.16 | -6.46% | 10.79% | 6.27% | 0.02 |
Compare UNTY vs Peers
Unity Bancorp, Inc. (UNTY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
UNTY Income Statement
Unity Bancorp, Inc. (UNTY) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 45.86M | 53.75M | 57.59M | 64.44M | 77.04M | 90.11M | 95M | 98.61M | 117.03M |
NII Growth % | 19.87% | 17.21% | 7.16% | 11.88% | 19.56% | 16.96% | 5.43% | 3.8% | 18.68% |
Net Interest Margin % | 3.15% | 3.4% | 3.35% | 3.29% | 3.79% | 3.69% | 3.68% | 3.72% | 3.94% |
Interest Income | 55.31M | 67.26M | 75.65M | 78.92M | 84.78M | 100.74M | 143.49M | 155.74M | 173.63M |
Interest Expense | 9.45M | 13.52M | 18.05M | 14.48M | 7.74M | 10.63M | 48.5M | 57.13M | 56.59M |
Loan Loss Provision | 1.65M | 2.05M | 2.1M | 7M | 181K | 4.27M | 3.17M | 3.95M | 3.94M |
Non-Interest Income | 7.62M | 9.18M | 8.46M | 12.11M | 11M | 7.53M | 7.22M | 7.33M | 14.78M |
Non-Interest Income % | 12.11% | 12.01% | 10.06% | 13.3% | 11.48% | 6.95% | 4.79% | 4.5% | 7.84% |
Total Revenue | 62.93M▲ 0% | 76.45M▲ 21.5% | 84.11M▲ 10.0% | 91.02M▲ 8.2% | 95.78M▲ 5.2% | 108.27M▲ 13.0% | 150.72M▲ 39.2% | 163.07M▲ 8.2% | 188.41M▲ 15.5% |
Revenue Growth % | 14.39% | 21.48% | 10.02% | 8.22% | 5.22% | 13.04% | 39.21% | 8.19% | 15.54% |
Non-Interest Expense | 29.39M | 33.57M | 33.64M | 38.42M | 39.73M | 41.94M | 46.06M | 47.6M | 52.36M |
Efficiency Ratio | 46.71% | 43.92% | 39.99% | 42.21% | 41.48% | 38.74% | 30.56% | 29.19% | 27.79% |
Operating Income | 22.43M▲ 0% | 27.31M▲ 21.7% | 30.32M▲ 11.0% | 31.12M▲ 2.7% | 48.13M▲ 54.7% | 51.42M▲ 6.8% | 52.99M▲ 3.1% | 54.39M▲ 2.6% | 75.51M▲ 38.8% |
Operating Margin % | 35.65% | 35.72% | 36.04% | 34.19% | 50.25% | 47.5% | 35.16% | 33.35% | 40.08% |
Operating Income Growth % | 9.61% | 21.73% | 11.02% | 2.65% | 54.66% | 6.84% | 3.06% | 2.63% | 38.83% |
Pretax Income | 22.43M▲ 0% | 27.31M▲ 21.7% | 30.32M▲ 11.0% | 31.12M▲ 2.7% | 48.13M▲ 54.7% | 51.42M▲ 6.8% | 52.99M▲ 3.1% | 54.39M▲ 2.6% | 75.51M▲ 38.8% |
Pretax Margin % | 35.65% | 35.72% | 36.04% | 34.19% | 50.25% | 47.5% | 35.16% | 33.35% | 40.08% |
Income Tax | 9.54M | 5.39M | 6.66M | 7.47M | 12.01M | 12.96M | 13.29M | 12.94M | 17.56M |
Effective Tax Rate % | 42.53% | 19.73% | 21.98% | 24.02% | 24.96% | 25.21% | 25.07% | 23.79% | 23.26% |
Net Income | 12.89M▲ 0% | 21.92M▲ 70.0% | 23.65M▲ 7.9% | 23.64M▼ 0.0% | 36.12M▲ 52.8% | 38.46M▲ 6.5% | 39.71M▲ 3.3% | 41.45M▲ 4.4% | 57.95M▲ 39.8% |
Net Margin % | 20.49% | 28.67% | 28.12% | 25.98% | 37.71% | 35.52% | 26.35% | 25.42% | 30.76% |
Net Income Growth % | -2.39% | 70.01% | 7.91% | -0.04% | 52.76% | 6.47% | 3.25% | 4.39% | 39.81% |
Net Income (Continuing) | 12.89M | 21.92M | 23.65M | 23.64M | 36.12M | 38.46M | 39.71M | 41.45M | 57.95M |
EPS (Diluted) | 1.20▲ 0% | 2.01▲ 67.5% | 2.14▲ 6.5% | 2.19▲ 2.3% | 3.43▲ 56.6% | 3.59▲ 4.7% | 3.84▲ 7.0% | 4.06▲ 5.7% | 5.67▲ 39.7% |
EPS Growth % | -13.04% | 67.5% | 6.47% | 2.34% | 56.62% | 4.66% | 6.96% | 5.73% | 39.66% |
EPS (Basic) | 1.22 | 2.04 | 2.18 | 2.21 | 3.47 | 3.66 | 3.89 | 4.13 | 5.78 |
Diluted Shares Outstanding | 10.75M | 10.92M | 11.03M | 10.81M | 10.55M | 10.71M | 10.34M | 10.2M | 10.22M |
UNTY Balance Sheet
Unity Bancorp, Inc. (UNTY) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 75.99M | 66.74M | 85.38M | 68.37M | 301.3M | 210.19M | 286.54M | 195.97M | 340.53M |
Cash & Due from Banks | 23.7M | 20.03M | 21.11M | 22.75M | 244.82M | 114.79M | 194.78M | 180.44M | 216.52M |
Short Term Investments | 52.29M | 46.71M | 64.28M | 45.62M | 56.48M | 95.39M | 91.77M | 15.53M | 124.02M |
Total Investments | 1.23B | 1.35B | 1.48B | 1.65B | 1.71B | 2.22B | 2.28B | 2.38B | 138.33M |
Investments Growth % | 20% | 10.25% | 8.99% | 11.94% | 3.3% | 30.2% | 2.68% | 4.25% | -94.19% |
Long-Term Investments | 1.18B | 1.31B | 1.41B | 1.61B | 1.65B | 2.13B | 2.19B | 2.36B | 14.31M |
Accounts Receivables | 5.45M | 6.4M | 6.98M | 10.43M | 9.59M | 13.4M | 13.58M | 12.69M | 12.9M |
Goodwill & Intangibles | 1.52M | 1.52M | 1.52M | 1.52M | 1.52M | 1.52M | 1.52M | 1.52M | 1.52M |
Goodwill | 1.52M | 1.52M | 1.52M | 1.52M | 1.52M | 1.52M | 1.52M | 1.52M | 1.52M |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PP&E (Net) | 23.47M | 23.37M | 24.11M | 22.59M | 25.11M | 20M | 19.57M | 18.78M | 18.02M |
Other Assets | 166.75M | 165.28M | 181.54M | 236.45M | 29.75M | 51.44M | 54.62M | 47.59M | 2.54B |
Total Current Assets | 83.7M | 76.11M | 94.5M | 82.5M | 316.9M | 232.73M | 300.12M | 208.66M | 377.77M |
Total Non-Current Assets | 1.37B | 1.5B | 1.62B | 1.88B | 1.72B | 2.21B | 2.28B | 2.45B | 2.59B |
Total Assets | 1.46B▲ 0% | 1.58B▲ 8.5% | 1.72B▲ 8.9% | 1.96B▲ 14.0% | 2.03B▲ 3.8% | 2.44B▲ 20.2% | 2.58B▲ 5.5% | 2.65B▲ 2.9% | 2.97B▲ 11.8% |
Asset Growth % | 22.32% | 8.5% | 8.85% | 13.96% | 3.82% | 20.22% | 5.46% | 2.93% | 11.78% |
Return on Assets (ROA) | 0.97% | 1.44% | 1.43% | 1.29% | 1.81% | 1.72% | 1.58% | 1.58% | 2.06% |
Accounts Payable | 436K | 406K | 455K | 248K | 129K | 691K | 1.92M | 1.7M | 0 |
Total Debt | 285.31M | 220.31M | 293.31M | 212.73M | 55.61M | 398.91M | 366.75M | 230.81M | 266.08M |
Net Debt | 261.61M | 200.28M | 272.2M | 189.98M | -189.21M | 284.12M | 171.97M | 50.38M | 49.56M |
Long-Term Debt | 285.31M | 220.31M | 293.31M | 210.31M | 50.31M | 393.31M | 366.75M | 230.81M | 266.08M |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | 0 | 0 | 0 | 4.71M | -1.36M | -5.6M | 0 | 25.61M | 0 |
Total Current Liabilities | 1.05B | 1.22B | 1.26B | 1.57B | 1.77B | 1.81B | 1.95B | 2.1B | 2.35B |
Total Non-Current Liabilities | 285.31M | 220.31M | 293.31M | 218.36M | 55.61M | 393.31M | 366.75M | 256.42M | 266.08M |
Total Liabilities | 1.34B | 1.44B | 1.56B | 1.79B | 1.83B | 2.21B | 2.32B | 2.36B | 2.62B |
Total Equity | 118.11M▲ 0% | 138.49M▲ 17.3% | 160.71M▲ 16.0% | 173.91M▲ 8.2% | 205.73M▲ 18.3% | 239.23M▲ 16.3% | 261.43M▲ 9.3% | 295.58M▲ 13.1% | 345.63M▲ 16.9% |
Equity Growth % | 11.11% | 17.26% | 16.05% | 8.21% | 18.3% | 16.28% | 9.28% | 13.06% | 16.93% |
Equity / Assets (Capital Ratio) | 8.11% | 8.77% | 9.35% | 8.88% | 10.12% | 9.78% | 10.14% | 11.14% | 11.65% |
Return on Equity (ROE) | 11.49% | 17.08% | 15.81% | 14.13% | 19.03% | 17.29% | 15.86% | 14.88% | 18.08% |
Book Value per Share | 10.99 | 12.69 | 14.57 | 16.08 | 19.51 | 22.35 | 25.29 | 28.97 | 33.81 |
Tangible BV per Share | 10.85 | 12.55 | 14.43 | 15.94 | 19.36 | 22.21 | 25.14 | 28.82 | 33.66 |
Common Stock | 86.78M | 88.48M | 90.11M | 91.87M | 94M | 97.2M | 100.43M | 103.94M | 105.89M |
Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Retained Earnings | 31.12M | 50.16M | 70.44M | 90.67M | 123.04M | 156.96M | 191.11M | 227.33M | 243.94M |
Accumulated OCI | 206K | -157K | 154K | -1.19M | 322K | -3.26M | -2.74M | -2.11M | -1.09M |
Treasury Stock | 0 | 0 | 0 | -7.44M | -11.63M | -11.68M | -27.37M | -33.58M | -3.1M |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
UNTY Cash Flow Statement
Unity Bancorp, Inc. (UNTY) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 14.45M | 38.59M | 33.2M | 22.32M | 32.53M | 42.67M | 46.91M | 47.99M | 44.91M |
Operating CF Growth % | 64.42% | 167.08% | -13.96% | -32.77% | 45.72% | 31.17% | 9.94% | 2.3% | -6.42% |
Net Income | 12.89M | 21.92M | 23.65M | 23.64M | 36.12M | 38.46M | 39.71M | 41.45M | 57.95M |
Depreciation & Amortization | 1.24M | 1.94M | 1.62M | 1.91M | 1.61M | 2.76M | 2.38M | 2.58M | 2.81M |
Deferred Taxes | 1.55M | -1.26M | -299K | -3.09M | -1.46M | -1.21M | -87K | -1.75M | -840K |
Other Non-Cash Items | -3.21M | 13.88M | 5.48M | 1.42M | -7.11M | -230K | -1.28M | 894K | -4.81M |
Working Capital Changes | 1.23M | 1.06M | 1.48M | -2.98M | 1.75M | 1.21M | 4.44M | 2.99M | -12.29M |
Cash from Investing | -219.63M | -140.65M | -133.12M | -175.36M | -40.52M | -541.28M | -57.85M | -92.81M | -256.84M |
Purchase of Investments | -29.55M | -1.71M | -13.08M | -3.8M | -58.32M | -78.64M | -876K | -17.75M | -85K |
Sale/Maturity of Investments | 20.8M | 6.79M | 11.88M | 21.95M | 27.32M | 9.85M | 6.45M | 8.71M | 44.76M |
Net Investment Activity | -8.74M | 5.08M | -1.21M | 18.15M | -31.01M | -68.78M | 5.58M | -9.04M | 44.67M |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -209.38M | -144.22M | -131.2M | -192.95M | -8.26M | -471.02M | -62.47M | -83.08M | -301.51M |
Cash from Financing | 249.54M | 97.32M | 112.41M | 214.33M | 33.49M | 368.59M | 90.92M | 30.49M | 248.01M |
Dividends Paid | -2.38M | -2.8M | -3.25M | -3.3M | -3.62M | -4.37M | -4.72M | -5.02M | -5.61M |
Share Repurchases | 0 | 0 | 0 | -7.44M | -4.19M | -42K | -15.69M | -6.21M | -5.04M |
Stock Issued | 509K | 576K | 453K | 0 | 0 | 0 | 0 | 0 | -359K |
Net Stock Activity | 509K | 576K | 453K | -7.44M | -4.19M | -42K | -15.69M | -6.21M | -5.4M |
Debt Issuance (Net) | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K | 1000K |
Other Financing | 97.92M | 165.13M | 42.67M | 308.07M | 201.3M | 30M | 137.9M | 177.65M | 223.75M |
Net Change in Cash | 44.36M▲ 0% | -4.74M▼ 110.7% | 12.5M▲ 363.8% | 61.3M▲ 390.3% | 25.51M▼ 58.4% | -130.03M▼ 609.8% | 79.98M▲ 161.5% | -14.34M▼ 117.9% | 36.08M▲ 351.6% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 105.89M | 150.25M | 145.51M | 158.02M | 219.31M | 244.82M | 114.79M | 194.78M | 180.44M |
Cash at End | 150.25M | 145.51M | 158.02M | 219.31M | 244.82M | 114.79M | 194.78M | 180.44M | 216.52M |
Interest Paid | 9.45M | 13.55M | 18.01M | 14.69M | 7.86M | 10.07M | 47.26M | 57.35M | 0 |
Income Taxes Paid | 7M | 5.94M | 8.22M | 11.11M | 13.99M | 13.93M | 13.22M | 14.07M | 0 |
Free Cash Flow | 12.94M▲ 0% | 37.08M▲ 186.6% | 32.49M▼ 12.4% | 21.76M▼ 33.0% | 31.28M▲ 43.7% | 41.19M▲ 31.7% | 45.95M▲ 11.6% | 47.29M▲ 2.9% | 44.34M▼ 6.2% |
FCF Growth % | 1703.47% | 186.58% | -12.37% | -33.02% | 43.72% | 31.67% | 11.57% | 2.92% | -6.24% |
UNTY Banking Ratios
Unity Bancorp, Inc. (UNTY) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 14.3% | 11.49% | 17.08% | 15.81% | 14.13% | 19.03% | 17.29% | 15.86% | 14.88% | 18.08% |
| Return on Assets (ROA) | 1.16% | 0.97% | 1.44% | 1.43% | 1.29% | 1.81% | 1.72% | 1.58% | 1.58% | 2.06% |
| Net Interest Margin | 3.22% | 3.15% | 3.4% | 3.35% | 3.29% | 3.79% | 3.69% | 3.68% | 3.72% | 3.94% |
| Efficiency Ratio | 44.64% | 46.71% | 43.92% | 39.99% | 42.21% | 41.48% | 38.74% | 30.56% | 29.19% | 27.79% |
| Equity / Assets | 8.93% | 8.11% | 8.77% | 9.35% | 8.88% | 10.12% | 9.78% | 10.14% | 11.14% | 11.65% |
| Book Value / Share | 11.1 | 10.99 | 12.69 | 14.57 | 16.08 | 19.51 | 22.35 | 25.29 | 28.97 | 33.81 |
| NII Growth | 12.55% | 19.87% | 17.21% | 7.16% | 11.88% | 19.56% | 16.96% | 5.43% | 3.8% | 18.68% |
| Dividend Payout | 11.54% | 18.46% | 12.78% | 13.76% | 13.95% | 10.01% | 11.37% | 11.89% | 12.11% | 9.68% |
Related:UNTY Dividend History·UNTY Revenue History·UNTY Price History·UNTY P/E History·UNTY Financial Ratios·UNTY Institutional Holders
UNTY SEC Filings & Documents
Unity Bancorp, Inc. (UNTY) SEC filings — annual & quarterly reports (10-K, 10-Q)
UNTY Frequently Asked Questions
Unity Bancorp, Inc. (UNTY) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Unity Bancorp, Inc. (UNTY) grew revenue by 15.5% over the past year. This is strong growth.
Yes, Unity Bancorp, Inc. (UNTY) is profitable, generating $58.0M in net income for fiscal year 2025 (30.8% net margin).
Dividend & Returns
Yes, Unity Bancorp, Inc. (UNTY) pays a dividend with a yield of 0.97%. This makes it attractive for income-focused investors.
Unity Bancorp, Inc. (UNTY) has a return on equity (ROE) of 18.1%. This is reasonable for most industries.
Industry Metrics
Unity Bancorp, Inc. (UNTY) has a net interest margin (NIM) of 3.9%. This indicates healthy earnings from lending activities.
Unity Bancorp, Inc. (UNTY) has an efficiency ratio of 27.8%. This is excellent, indicating strong cost control.