UNTY trades 16.1% below Wall Street's consensus target of $68.00.
Last 12 months price action with 12-month analyst target path
The base valuation assumes UNTY achieves its forward estimates and maintains a stable P/E multiple of 10.0x. This scenario reflects the blended consensus of 5 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of September 22, 2026, Unity Bancorp, Inc. (UNTY) has a Wall Street consensus price target of $68.00, based on estimates from 5 covering analysts. With the stock currently trading at $58.56, this represents a potential upside of +16.1%. The company has a market capitalization of $588M.
Analyst price targets range from a low of $68.00 to a high of $68.00, representing a 0% spread in expectations. The median target of $68.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Buy, with 5 analysts rating the stock as a Buy or Strong Buy,0 rating it Hold, and 0 rating it Sell or Strong Sell. This overwhelmingly bullish sentiment suggests analysts see significant catalysts for upside ahead.
From a valuation perspective, UNTY trades at a trailing P/E of 10.3x and forward P/E of 10.0x. The forward PEG ratio of 0.48 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow +2.0% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $67.16, with bear and bull scenarios of $42.31 and $88.48 respectively. Model confidence stands at 50/100, reflecting moderate uncertainty in projections.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 NBTBNBT Bancorp Inc. | $2.7B | $51.22 | $56.67 | +10.6% | Hold | 12.3x | 10 |
 CZNCCitizens & Northern Corporation | $462M | $25.76 | $23.50 | -8.8% | Hold | 11.9x | 1 |
 FUNCFirst United Corporation | $282M | $43.64 | $49.50 | +13.4% | Buy | 9.8x | 1 |
 MNSBMainStreet Bancshares, Inc. | $176M | $24.67 | — | — | Hold | 10.9x | 1 |
 NFBKNorthfield Bancorp, Inc. | $639M | $15.31 | $14.50 | -5.3% | Hold | 11.3x | 9 |
 OCFCOceanFirst Financial Corp. | $1.1B | $17.57 | $19.00 | +8.1% | Hold | 9.9x | 8 |
 PBFSPioneer Bancorp, Inc. | $452M | $18.04 | — | — | — | — | — |
 CHMGChemung Financial Corporation | $397M | $82.38 | $87.00 | +5.6% | Hold | 10.8x | 7 |
 FXNCFirst National Corporation | $277M | $30.62 | $21.00 | -31.4% | Buy | 12.6x | 1 |
 BWFGBankwell Financial Group, Inc. | $526M | $65.94 | — | — | Buy | 11.4x | 3 |
Quick answers to the most common questions about buying UNTY stock.
Unity Bancorp, Inc. (UNTY) has a consensus 12-month price target of $68, implying 16.1% upside from $58.56. The 5 analysts covering UNTY see moderate appreciation potential.
UNTY has a consensus rating of "Buy" based on 5 Wall Street analysts. The rating breakdown is predominantly bullish, with 5 Buy/Strong Buy ratings. The consensus 12-month price target of $68 implies 16.1% upside from current levels.
With a forward P/E of 9.9966x, UNTY trades at a relatively low valuation. The consensus target of $68 implies 16.1% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $68 for UNTY, while the most conservative target is $68. The consensus of $68 represents the median expectation. Our quantitative valuation model projects a bull case target of $88 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
UNTY is moderately covered, with 5 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 5 have Buy ratings, 0 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month UNTY stock forecast based on 5 Wall Street analysts shows a consensus price target of $68, with estimates ranging from $68 (bear case) to $68 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $67, with bear/bull scenarios of $42/$88.
Our quantitative valuation model calculates UNTY's fair value at $67 (base case), with a bear case of $42 and bull case of $88. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 50/100.
UNTY trades at a forward P/E ratio of 10.0x based on next-twelve-months earnings estimates compared to a trailing P/E of 10.3x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are optimistic on UNTY, with a "Buy" consensus rating and $68 price target (16.1% upside). 5 of 5 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
UNTY analyst price targets range from $68 to $68, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $68 consensus represents the middle ground. Our model's $42-$88 range provides an independent fundamental perspective.
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