Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.19 | 7.97 | 10.33 | 9.26 | 8.51 | 8.66 | 7.31 | 9.00 | 9.65 | 7.96 | 7.95 | 7.42 | 7.71 | 6.04 | 6.21 | 5.94 | 7.35 | 6.75 | 7.52 | 8.23 | 7.13 |
| — | -8.0% | +41.3% | +2.8% | -11.8% | +8.9% | -8.0% | +21.4% | +25.2% | +31.8% | +28.0% | +24.9% | +4.9% | -10.5% | -17.5% | -27.8% | +3.0% | +3.8% | +9.2% | +19.7% | +12.2% | |
| P/S Ratio | 4.40 | 3.78 | 4.44 | 3.93 | 3.74 | 2.57 | 3.33 | 3.55 | 3.94 | 3.15 | 2.99 | 2.77 | 2.88 | 2.37 | 2.36 | 2.42 | 2.77 | 2.72 | 2.90 | 3.40 | 2.99 |
| — | +47.0% | +33.5% | +10.7% | -5.2% | -18.3% | +11.3% | +28.0% | +36.7% | +32.9% | +26.7% | +14.5% | +4.1% | -13.0% | -18.5% | -28.7% | -7.3% | -2.4% | +5.0% | +26.6% | +33.3% | |
| P/B Ratio | 1.71 | 1.43 | 1.61 | 1.48 | 1.53 | 1.50 | 1.50 | 1.36 | 1.51 | 1.22 | 1.10 | 1.06 | 1.16 | 0.95 | 0.99 | 1.01 | 1.23 | 1.17 | 1.28 | 1.39 | 1.35 |
| — | -4.6% | +7.2% | +8.4% | +1.3% | +23.1% | +36.9% | +28.1% | +30.3% | +27.7% | +11.3% | +4.9% | -5.8% | -18.5% | -23.2% | -27.0% | -8.9% | -6.7% | +4.0% | +8.2% | +25.6% | |
| P/FCF | 13.08 | — | — | 9.12 | 21.66 | 2.76 | — | 5.93 | 4.90 | 4.93 | — | 4.52 | 3.05 | 4.58 | — | 4.50 | 1.70 | — | — | 3.81 | 22.23 |
| — | — | — | +53.7% | +341.5% | -44.1% | — | +31.2% | +60.7% | +7.7% | — | +0.6% | +79.4% | — | — | +17.9% | -92.3% | — | — | -25.1% | -61.5% | |
| EV / EBITDA | 8.04 | 4.10 | 9.05 | 7.14 | 6.93 | 6.53 | 6.58 | 7.12 | 8.07 | 6.89 | 7.60 | 7.69 | 8.88 | 8.26 | 9.01 | 9.59 | 10.11 | 9.57 | 8.01 | 6.51 | 1.61 |
| — | -37.1% | +37.5% | +0.2% | -14.1% | -5.3% | -13.4% | -7.4% | -9.0% | -16.5% | -15.7% | -19.8% | -12.2% | -13.7% | +12.5% | +47.3% | +526.9% | +71.8% | -8.2% | -19.8% | -82.0% | |
| EV / EBIT | 8.34 | 4.10 | 9.05 | 7.25 | 7.32 | 7.14 | 6.67 | 7.44 | 8.55 | 7.35 | 7.72 | 8.02 | 9.08 | 9.16 | 9.97 | 9.08 | 10.59 | 10.07 | 8.62 | 6.76 | 1.67 |
| — | -42.5% | +35.7% | -2.5% | -14.3% | -2.9% | -13.6% | -7.3% | -5.9% | -19.7% | -22.5% | -11.6% | -14.2% | -9.1% | +15.6% | +34.4% | +533.2% | +73.4% | -2.2% | -20.0% | -82.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 97.0% | 97.1% | 96.5% | 96.9% | 100.0% | 66.5% | 94.9% | 95.5% | 95.4% | 96.1% | 96.3% | 97.5% | 93.3% | 97.8% | 97.3% | 99.6% | 93.8% | 93.9% | 95.1% | 100.8% | 101.4% |
| — | +46.1% | +1.8% | +1.4% | +4.8% | -30.8% | -1.5% | -2.0% | +2.2% | -1.8% | -1.0% | -2.1% | -0.5% | +4.2% | +2.2% | -1.2% | -7.4% | -6.1% | -4.9% | +3.2% | +6.5% | |
| Operating Margin | 57.3% | 54.6% | 55.3% | 57.2% | 55.8% | 41.0% | 59.6% | 52.5% | 51.3% | 53.1% | 50.0% | 50.0% | 49.8% | 51.4% | 51.4% | 54.8% | 51.4% | 53.7% | 51.5% | 54.3% | 56.6% |
| — | +33.2% | -7.2% | +8.9% | +8.8% | -22.8% | +19.1% | +5.1% | +3.1% | +3.2% | -2.7% | -8.8% | -3.2% | -4.2% | -0.2% | +1.0% | -9.1% | -6.7% | -0.0% | +2.7% | +19.4% | |
| Net Margin | 44.0% | 47.4% | 42.9% | 42.5% | 43.9% | 29.7% | 45.6% | 39.5% | 40.8% | 39.7% | 37.7% | 37.5% | 37.3% | 39.2% | 38.0% | 40.9% | 37.5% | 40.3% | 38.6% | 41.5% | 42.0% |
| — | +59.9% | -6.0% | +7.6% | +7.6% | -25.4% | +21.2% | +5.4% | +9.3% | +1.3% | -1.0% | -8.3% | -0.7% | -2.6% | -1.5% | -1.4% | -10.6% | -6.3% | -3.1% | +5.7% | +19.1% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 18.1% | 4.6% | 4.0% | 4.1% | 4.6% | 4.4% | 5.3% | 3.9% | 4.0% | 3.9% | 3.5% | 3.6% | 3.8% | 4.0% | 4.0% | 4.3% | 4.2% | 4.4% | 4.3% | 4.3% | 4.8% |
| — | +3.8% | -24.7% | +5.3% | +14.7% | +12.6% | +50.5% | +6.2% | +4.3% | -2.4% | -12.6% | -15.4% | -10.3% | -9.1% | -7.7% | -1.0% | -12.5% | -10.3% | -4.7% | -9.5% | +13.3% | |
| ROA | 2.1% | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% | 0.6% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.5% | 0.4% | 0.5% |
| — | +8.7% | -19.7% | +11.4% | +21.7% | +19.0% | +58.2% | +14.8% | +14.5% | +7.1% | -5.1% | -10.9% | -8.7% | -12.8% | -14.6% | -5.9% | -14.1% | -6.5% | +6.7% | +3.6% | +28.2% | |
| ROIC | 10.0% | 2.2% | 2.1% | 2.3% | 2.5% | 2.3% | 2.5% | 2.1% | 2.0% | 2.0% | 1.7% | 1.6% | 1.5% | 1.5% | 1.5% | 1.6% | 1.8% | 2.2% | 2.9% | 3.4% | 3.7% |
| — | -4.3% | -16.5% | +10.3% | +24.5% | +19.2% | +53.6% | +33.8% | +30.6% | +32.5% | +9.9% | -2.8% | -13.3% | -32.2% | -47.2% | -51.7% | -52.7% | -28.0% | +27.1% | +47.9% | +103.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.77 | 0.67 | 0.88 | 0.72 | 0.77 | 0.72 | 1.21 | 0.83 | 0.78 | 0.97 | 1.04 | 1.16 | 1.40 | 1.58 | 1.78 | 1.60 | 1.67 | 1.26 | 0.79 | 0.23 | 0.27 |
| — | -7.1% | -27.5% | -12.8% | -1.4% | -25.7% | +16.2% | -28.6% | -44.3% | -38.3% | -41.3% | -27.4% | -15.9% | +25.4% | +123.6% | +582.8% | +516.9% | +252.0% | -14.5% | -76.5% | -77.9% | |
| Debt / EBITDA | 3.40 | 7.32 | 17.50 | 13.24 | 12.80 | 11.73 | 17.75 | 15.74 | 15.05 | 17.84 | 22.34 | 23.22 | 27.47 | 27.58 | 29.87 | 29.44 | 27.94 | 20.79 | 12.92 | 4.07 | 4.08 |
| — | -37.6% | -1.4% | -15.9% | -15.0% | -34.2% | -20.5% | -32.2% | -45.2% | -35.3% | -25.2% | -21.1% | -1.7% | +32.7% | +131.3% | +623.2% | +584.0% | +290.6% | -19.0% | -73.1% | -79.9% | |
| Current Ratio | 0.16 | 0.15 | 0.17 | 0.15 | 0.16 | 0.13 | 0.15 | 0.14 | 0.10 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.13 | 0.13 | 0.09 | 0.08 | 0.07 | 0.18 |
| — | +17.3% | +17.4% | +3.8% | +61.6% | -11.6% | -5.5% | -2.4% | -35.5% | -2.5% | +1.6% | +10.8% | +19.8% | +69.9% | +87.5% | +88.5% | -28.2% | +92.6% | +75.2% | +51.5% | +239.5% | |
| Quick Ratio | 0.16 | 0.15 | 0.17 | 0.15 | 0.16 | 0.13 | 0.15 | 0.14 | 0.10 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.13 | 0.13 | 0.09 | 0.08 | 0.07 | 0.18 |
| — | +17.3% | +17.4% | +3.8% | +61.6% | -11.6% | -5.5% | -2.4% | -35.5% | -2.5% | +1.6% | +10.8% | +19.8% | +69.9% | +87.5% | +88.5% | -28.2% | +92.6% | +75.2% | +51.5% | +239.5% | |
| Interest Coverage | 1.33 | 2.27 | 1.26 | 1.33 | 1.36 | 1.30 | 1.53 | 1.14 | 1.05 | 0.99 | 0.86 | 0.91 | 0.95 | 0.97 | 1.10 | 1.46 | 2.43 | 5.34 | 9.60 | 9.80 | 9.24 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying UNTY stock.
Unity Bancorp, Inc.'s current P/E is 10.2x. The average P/E over the last 4 quarters is 9.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Unity Bancorp, Inc.'s current operating margin is 57.3%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Unity Bancorp, Inc.'s business trajectory between earnings reports.