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UNTYUnity Bancorp, Inc.
$58.56$588M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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UNTY logo

Unity Bancorp, Inc.

UNTY
NASDAQ · Regional Banks
$58.56
At close - Sep 21, 4:00 PM EDT - USD
Market Cap$588M
P/E10.3x
52W High$62.50
Volume45.89K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Securities-Heavy Balance Sheet Drives Earnings, But Volatility Persists

Unity Bancorp's earnings growth is driven by a 35.9% increase in net interest income over two years, supported by a strategic shift toward a securities portfolio that now comprises approximately 88% of total assets. However, the bank's profitability is heavily...

GrowthAccelerating
ProfitabilityStrong
ValuationAttractive
TechnicalsMixed
Explore valuation models
MARKET ACTION

UNTY price & volume

Price trend, volume and key moving averages

Launch Terminal
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Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

9/12 Beats

EPS beat 9 of last 12 quarters

02

Valuation risk

-39% Peers

P/E is 39% below peer median

03

Market leadership

RS 68 · Avg

Average momentum (RS Rating: 68)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Oct 14

Market performance

Price History →

Trailing total returns as of 9/22/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
UNTY+15.60%
S&P 500 (^GSPC)+13.22%
1-Year Return
UNTY+15.26%
S&P 500 (^GSPC)+15.99%
3-Year Return
UNTY+151.75%
S&P 500 (^GSPC)+78.77%
5-Year Return
UNTY+168.84%
S&P 500 (^GSPC)+81.18%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
10.3x
Forward P/EExpansion
10.0x
EV/EBITDA40th %ile
8.1x
FCF YieldCash Flow
7.5%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
10.3x
7.7x
80th· High
EV/EBITDA
8.1x
8.6x
40th· Fair
Price/FCF
13.3x
8.9x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$132M+24.4% YoY
Net income
$58M+39.8% YoY
Free cash flow
$44M-6.2% YoY
Operating margin
40.1%+6.7 pts YoY
ROIC (TTM)10%
Avg ROIC 5Y-
ROE (TTM)18.1%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate9/12 (90%)
Revenue Beat Rate6/12 (60%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 14, 2026
$1.42-1.4%
vs $1.44
$34M-0.6%
vs $35M
Q2 2026
Apr 13, 2026
$1.40+2.2%
vs $1.37
$34M+0.0%
vs $34M
Q2 2026
Apr 10, 2026
$1.40+2.2%
vs $1.37
$34M+0.0%
vs $34M
Q2 2026
Mar 4, 2026
$1.52
vs —
$50M
vs —
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Zacks Investment Research·Sep 9, 2026
Unity Bancorp (UNTY) Upgraded to Buy: Here's What You Should Know

Unity Bancorp (UNTY) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Defense World·Sep 2, 2026
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

Zacks Investment Research·Aug 24, 2026
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.

GlobeNewsWire·Aug 20, 2026
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.

Filtered for Unity Bancorp, Inc.More Headlines
04

Compare before deciding

Benchmark UNTY against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Unity Bancorp, Inc. (UNTY)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
UNTY logoUNTYUnity Bancorp, Inc.Current
$58.56$588M10.3324.42%30.76%18.08%0.94%
NBTB logoNBTBNBT Bancorp Inc.
$51.22$2.66B15.3814.54%22.65%11.26%—
CZNC logoCZNCCitizens & Northern Corporation
$25.76$461.53M17.640.3%10.52%5.54%—
FUNC logoFUNCFirst United Corporation
$43.64$281.65M11.588.34%20.89%12.7%—
MNSB logoMNSBMainStreet Bancshares, Inc.
$24.67$175.59M14.0212.18%13.25%8%—
NFBK logoNFBKNorthfield Bancorp, Inc.
$15.31$639.41M773.23-43.3%1.79%0.68%—

Compare UNTY vs Peers

Unity Bancorp, Inc. (UNTY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for UNTY.

Scale Benchmark

vs NTRS

Larger-name benchmark to compare UNTY against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, CZNC, FUNC, MNSB

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

UNTY SEC Filings & Documents

Unity Bancorp, Inc. (UNTY) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 20, 2026·SEC

Material company update

Aug 7, 2026·SEC

Material company update

Jul 14, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 4, 2026·SEC

FY 2025

Mar 7, 2025·SEC

FY 2024

Mar 7, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 6, 2026·SEC

FY 2026

May 7, 2026·SEC

FY 2025

Nov 6, 2025·SEC

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UNTY Frequently Asked Questions

Unity Bancorp, Inc. (UNTY) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Unity Bancorp, Inc. growing?

Unity Bancorp, Inc. (UNTY) grew revenue by 24.4% over the past year. This is strong growth.

Is UNTY profitable?

Yes, Unity Bancorp, Inc. (UNTY) is profitable, generating $58.6M in net income for fiscal year 2025 (30.8% net margin).

Dividend & Returns
Does UNTY pay dividends?

Yes, Unity Bancorp, Inc. (UNTY) pays a dividend with a yield of 0.94%. This makes it attractive for income-focused investors.

What is UNTY's return on equity?

Unity Bancorp, Inc. (UNTY) has a return on equity (ROE) of 18.1%. This is reasonable for most industries.

Industry Metrics
What is Unity Bancorp, Inc.'s net interest margin?

Unity Bancorp, Inc. (UNTY) has a net interest margin (NIM) of 3.9%. This indicates healthy earnings from lending activities.

What is Unity Bancorp, Inc.'s efficiency ratio?

Unity Bancorp, Inc. (UNTY) has an efficiency ratio of 27.8%. This is excellent, indicating strong cost control.

What if you invested $1,000 in UNTY back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →