Trailing Dividend / Share
$0.55
Unity Bancorp, Inc. (UNTY) Dividend History
Income profile from 1997 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
1.0%
Payout Ratio
9.7%
Sustainable
Dividend Streak
12 years
UNTY Dividend Income Check
Safety
9.7% payout ratio with sustainable safety profile.
Consistency
12 straight years of dividend increases.
Income Trend
Yield on cost is 3.3% and trend is rising.
UNTY Dividend Scorecard
Yield & Income
Dividend Yield1.0%
Trailing DPS$0.55
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout9.7%
Earnings SafetySustainable
FCF Payout12.9%
FCF SafetyWell Covered
Piotroski F-Score6/9
Growth
Growth Streak12 years
3Y CAGR10.5%
5Y CAGR12.6%
Yield on Cost (5Y)3.3%
YOC Trendrising
Total Returns
Buyback Yield0.9%
Total Shareholder Yield1.8%
1Y Total Return25.1%
5Y Total Return163.6%
Div Contribution (5Y)11.2%
Estimated $10K growth (return + dividends):
5Y ago$26,35910Y ago$51,55920Y ago$42,385
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
UNTY Income Growth Story
Dividend per share and yield on cost over time (23 years of payments)
UNTY Dividend Safety Story
EPS is the container — dividend is what's drawn out
Get UNTY's next ex-dividend date and payout in your inbox
Monthly dividend calendar — upcoming ex-dates for stocks you follow.
Dividend Analysis
Payout Safety
Unity Bancorp, Inc. distributes 9.7% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 12.9%, rated "Well Covered".
Piotroski F-Score: 6/9 — moderate financial health.
Growth Track Record
UNTY has raised its dividend for 12 consecutive years, with a 3-year CAGR of 10.5% and 5-year CAGR of 12.6%.
Total Shareholder Returns
Beyond cash dividends, UNTY returns capital through share repurchases. The combined picture: 1.0% dividend yield, 0.9% buyback yield, 1.8% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 3.3% and is currently rising. The 5-year total return is 163.6%, with dividends contributing 11.2% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $51,559 today.
UNTY Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$2.52
Avg/Payment$0.1260
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Jun 4, 2026Latest | $0.1600 | — | 1.15% | Jun 18, 2026 |
| Mar 6, 2026 | $0.1600 | ↑ +6.7% | 1.17% | Mar 20, 2026 |
| Dec 5, 2025 | $0.1500 | — | 1.12% | Dec 19, 2025 |
| Sep 5, 2025 | $0.1500 | ↑ +7.1% | 1.07% | Sep 19, 2025 |
| Jun 6, 2025 | $0.1400 | — | 1.26% | Jun 20, 2025 |
| Mar 14, 2025 | $0.1400 | ↑ +7.7% | 1.25% | Mar 28, 2025 |
| Dec 13, 2024 | $0.1300 | — | 1.11% | Dec 31, 2024 |
| Sep 6, 2024 | $0.1300 | — | 1.59% | Sep 20, 2024 |
UNTY Dividend vs Peers
Comparable companies in the same industry
#8 yield in peer group
Div Yield
1.0%
#8 of 8
Safety
Sustainable
9.7% payout
Streak
12Y
12.6% 5Y CAGR
Total Shareholder
1.8%
#8 of 8
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
 UNTYUnity Bancorp, Inc. | $577M | 1.0% | 9.7% | 12 | Sustainable |
 NBTBNBT Bancorp Inc. | $2.5B | 3.0% | 42.9% | 13 | Sustainable |
1st  CZNCCitizens & Northern … | $395M | 4.6% | 69.5% | 0 | Watch |
 FUNCFirst United Corpora… | $272M | 2.2% | 24.3% | 7 | Sustainable |
 MNSBMainStreet Bancshare… | $184M | 1.6% | 19.5% | 0 | Sustainable |
3rd  NFBKNorthfield Bancorp, … | $617M | 3.6% | 26.6% | 0 | Sustainable |
2nd  OCFCOceanFirst Financial… | $1.1B | 4.5% | 68.0% | 0 | Watch |
 CHMGChemung Financial Co… | $349M | 1.8% | 41.9% | 1 | Sustainable |
UNTY Annual Dividend History (1996–2026)
31 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.32 | — | 2 | — | — | — | 1.8% |
| 2025 | $0.58 | 11.5% | 4 | $5.67 | 10.2% | 9.78x | 3.3% |
| 2024 | $0.52 | 8.3% | 4 | $4.06 | 12.8% | 7.81x | 3.0% |
| 2023 | $0.48 | 11.6% | 4 | $3.84 | 12.5% | 8.00x | 2.7% |
| 2022 | $0.43 | 19.4% | 4 | $3.59 | 12.0% | 8.35x | 2.5% |
| 2021 | $0.36 | 12.5% | 4 | $3.43 | 10.5% | 9.53x | 2.1% |
| 2020 | $0.32 | 3.2% | 4 | $2.19 | 14.6% | 6.84x | 1.8% |
| 2019 | $0.31 | 14.8% | 4 | $2.14 | 14.5% | 6.90x | 1.8% |
| 2018 | $0.27 | 17.4% | 4 | $2.01 | 13.4% | 7.44x | 1.5% |
| 2017 | $0.23 | 36.8% | 4 | $1.20 | 19.2% | 5.22x | 1.3% |
What if you invested $1,000 in UNTY back in 1997?
Total return with dividends reinvested · 29+ years of data
Calculate ReturnsHow much would $100/month in UNTY be worth today?
Dollar cost averaging vs lump sum · see how regular investing compounds over time
Run the NumbersIs UNTY Undervalued Right Now?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationUNTY vs BRK-B — which is the better buy?
Side-by-side revenue, margins, P/E and 10-year returns vs Berkshire Hathaway Inc..
Compare NowUNTY — Frequently Asked Questions
Quick answers to the most common questions about buying UNTY stock.
How much dividend does UNTY pay per share?
Unity Bancorp, Inc. (UNTY) pays a trailing 12-month dividend of $0.55 per share, with a current dividend yield of +1.0%. Payments are made Semi-Annual.
When is UNTY's next ex-dividend date?
UNTY's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. UNTY typically pays dividends Semi-Annual.
Is UNTY's dividend safe?
UNTY's dividend safety is rated "Sustainable" based on an earnings payout ratio of +9.7% and FCF payout ratio of +12.9%. With 12 consecutive years of dividend growth, the track record supports sustainability.
Is UNTY a Dividend Achiever?
Yes, Unity Bancorp, Inc. is classified as a Dividend Achiever with 12 consecutive years of dividend increases. The 5-year dividend CAGR is +12.6%, demonstrating above-inflation dividend growth.
How often does UNTY pay dividends?
Unity Bancorp, Inc. pays dividends Semi-Annual. The trailing 12-month total is $0.55 per share. Dividend data on this page covers 29+ years from 1997 to 2026.
How much would $10,000 invested in UNTY grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in UNTY five years ago would be worth approximately $26,359 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is UNTY's yield on cost for long-term holders?
UNTY's yield on cost — the current dividend divided by the original purchase price — is +3.3% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +1.0% market yield, thanks to consistent dividend growth.