Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Unity Bancorp, Inc.'s quarterly P/E stands at 8.5x, down 11.8% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 9.3% YoY to 7.3x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.99 | 8.51 | 8.66 | 7.31 | 9.00 | 9.65 | 7.96 | 7.95 | 7.42 | 7.71 | 6.04 | 6.21 | 5.94 |
| — | -11.8% | +8.9% | -8.0% | +21.4% | +25.2% | +31.8% | +28.0% | +24.9% | +4.9% | -10.5% | -17.5% | -27.8% | |
| P/S Ratio | 3.06 | 2.65 | 1.98 | 2.39 | 2.43 | 2.65 | 2.05 | 1.89 | 1.79 | 1.89 | 1.55 | 1.61 | 1.76 |
| — | +0.0% | -3.3% | +26.6% | +35.9% | +40.0% | +32.5% | +17.5% | +1.5% | -17.2% | -37.4% | -41.4% | -45.3% | |
| P/B Ratio | 1.68 | 1.53 | 1.50 | 1.50 | 1.36 | 1.51 | 1.22 | 1.10 | 1.06 | 1.16 | 0.95 | 0.99 | 1.01 |
| — | +1.3% | +23.1% | +36.9% | +28.1% | +30.3% | +27.7% | +11.3% | +4.9% | -5.8% | -18.5% | -23.2% | -27.0% | |
| P/FCF | 13.02 | 21.66 | 2.76 | — | 5.93 | 4.90 | 4.93 | — | 4.52 | 3.05 | 4.58 | — | 4.50 |
| — | +341.5% | -44.1% | — | +31.2% | +60.7% | +7.7% | — | +0.6% | +79.4% | — | — | +17.9% | |
| EV / EBITDA | 8.30 | 7.32 | 6.53 | 6.58 | 7.12 | 8.07 | 6.89 | 7.60 | 7.69 | 8.88 | 8.26 | 9.01 | 9.59 |
| — | -9.3% | -5.3% | -13.4% | -7.4% | -9.0% | -16.5% | -15.7% | -19.8% | -12.2% | -13.7% | +12.5% | +47.3% | |
| EV / EBIT | 8.30 | 7.32 | 7.14 | 6.67 | 7.44 | 8.55 | 7.35 | 7.72 | 8.02 | 9.08 | 9.16 | 9.97 | 9.08 |
| — | -14.3% | -2.9% | -13.6% | -7.3% | -5.9% | -19.7% | -22.5% | -11.6% | -14.2% | -9.1% | +15.6% | +34.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Unity Bancorp, Inc.'s operating margin was 39.6% in Q4 2025, up 8.0 pp QoQ and up 5.1 pp YoY. The trailing four-quarter average of 37.5% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 10.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 67.9% | 70.9% | 51.2% | 68.3% | 65.3% | 64.1% | 62.6% | 61.0% | 62.8% | 61.2% | 63.9% | 66.4% | 72.4% |
| — | +10.5% | -18.2% | +12.1% | +4.0% | +4.7% | -2.1% | -8.2% | -13.2% | -20.9% | -25.1% | -26.5% | -24.2% | |
| Operating Margin | 40.1% | 39.6% | 31.6% | 42.9% | 36.0% | 34.5% | 34.6% | 31.6% | 32.2% | 32.7% | 33.6% | 35.1% | 39.9% |
| — | +14.7% | -8.7% | +35.6% | +11.5% | +5.6% | +2.9% | -9.8% | -19.1% | -23.0% | -31.1% | -28.3% | -22.5% | |
| Net Margin | 30.8% | 31.1% | 22.8% | 32.9% | 27.0% | 27.4% | 25.9% | 23.8% | 24.2% | 24.5% | 25.6% | 26.0% | 29.7% |
| — | +13.5% | -11.8% | +37.9% | +11.8% | +11.9% | +1.0% | -8.2% | -18.7% | -21.0% | -29.9% | -29.2% | -24.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 18.1% | 4.6% | 4.4% | 5.3% | 3.9% | 4.0% | 3.9% | 3.5% | 3.6% | 3.8% | 4.0% | 4.0% | 4.3% |
| — | +14.7% | +12.6% | +50.5% | +6.2% | +4.3% | -2.4% | -12.6% | -15.4% | -10.3% | -9.1% | -7.7% | -1.0% | |
| ROA | 2.1% | 0.5% | 0.5% | 0.6% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% |
| — | +21.7% | +19.0% | +58.2% | +14.8% | +14.5% | +7.1% | -5.1% | -10.9% | -8.7% | -12.8% | -14.6% | -5.9% | |
| ROIC | 10.0% | 2.5% | 2.3% | 2.5% | 2.1% | 2.0% | 2.0% | 1.7% | 1.6% | 1.5% | 1.5% | 1.5% | 1.6% |
| — | +24.5% | +19.2% | +53.6% | +33.8% | +30.6% | +32.5% | +9.9% | -2.8% | -13.3% | -32.2% | -47.2% | -51.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Unity Bancorp, Inc.'s Debt/EBITDA ratio is 13.5x, up from 11.7x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 61.6% YoY to 0.16x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.77 | 0.77 | 0.72 | 1.21 | 0.83 | 0.78 | 0.97 | 1.04 | 1.16 | 1.40 | 1.58 | 1.78 | 1.60 |
| — | -1.4% | -25.7% | +16.2% | -28.6% | -44.3% | -38.3% | -41.3% | -27.4% | -15.9% | +25.4% | +123.6% | +582.8% | |
| Debt / EBITDA | 3.52 | 13.51 | 11.73 | 17.75 | 15.74 | 15.05 | 17.84 | 22.34 | 23.22 | 27.47 | 27.58 | 29.87 | 29.44 |
| — | -10.2% | -34.2% | -20.5% | -32.2% | -45.2% | -35.3% | -25.2% | -21.1% | -1.7% | +32.7% | +131.3% | +623.2% | |
| Current Ratio | 0.16 | 0.16 | 0.13 | 0.15 | 0.14 | 0.10 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.13 |
| — | +61.6% | -11.6% | -5.5% | -2.4% | -35.5% | -2.5% | +1.6% | +10.8% | +19.8% | +69.9% | +87.5% | +88.5% | |
| Quick Ratio | 0.16 | 0.16 | 0.13 | 0.15 | 0.14 | 0.10 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.13 |
| — | +61.6% | -11.6% | -5.5% | -2.4% | -35.5% | -2.5% | +1.6% | +10.8% | +19.8% | +69.9% | +87.5% | +88.5% | |
| Interest Coverage | 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 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Unity Bancorp, Inc.'s current P/E is 10.0x. The average P/E over the last 4 quarters is 8.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Unity Bancorp, Inc.'s current operating margin is 40.1%. Margins have been expanding 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.