UNTYNasdaqState Commercial BanksFiscal year ends December 31
UNITY BANCORP INC /NJ/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$55.57−0.83 (-1.47%)
Close on Oct 19, 2026
- Market cap
- $567.98M
- P/E (TTM)
- 9.7
- Dividend yield
- 1.04%
Unity Bancorp statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Unity Bancorp | Industry median |
|---|---|---|
| Market Cap | $558.07M | $679.86M |
| Enterprise Value | $307.75M | $408.94M |
| PE Ratio | 9.66 | 11.99 |
| PS Ratio | 4.12 | 3.59 |
| PB Ratio | 1.50 | 1.18 |
| P/TBV Ratio | 1.51 | 1.41 |
| P/FCF Ratio | 20.65 | 10.89 |
| P/OCF Ratio | 20.19 | 10.01 |
Enterprise value
| Measure | Unity Bancorp | Industry median |
|---|---|---|
| EV / Sales | 2.27 | 2.76 |
| EV / FCF | 11.39 | 8.23 |
Income (trailing twelve months)
| Measure | Unity Bancorp | Industry median |
|---|---|---|
| Revenue | $135.44M | $170.85M |
| Pretax Income | $75.70M | $70.12M |
| Net Income | $58.62M | $54.33M |
| EPS (Diluted) | $5.75 | $2.91 |
Margins
| Measure | Unity Bancorp | Industry median |
|---|---|---|
| Pretax Margin | 55.9% | 36.5% |
| Profit Margin | 43.3% | 29.1% |
| FCF Margin | 20.0% | 33.2% |
Returns
| Measure | Unity Bancorp | Industry median |
|---|---|---|
| Return on Equity (ROE) | 17.0% | 10.6% |
| Return on Assets (ROA) | 1.91% | 1.12% |
Growth
| Measure | Unity Bancorp | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 13.1% | 11.8% |
| Net Income Growth (YoY) | 16.1% | 23.2% |
| EPS Growth (YoY) | 16.4% | 23.1% |
| FCF Growth (YoY) | -18.5% | 28.5% |
| Revenue Growth (3Y CAGR) | 10.3% | 5.82% |
| Revenue Growth (5Y CAGR) | 11.2% | 6.17% |
| EPS Growth (3Y CAGR) | 16.5% | 1.31% |
| EPS Growth (5Y CAGR) | 21.0% | 8.24% |
Balance sheet
| Measure | Unity Bancorp | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $250.32M | $205.54M |
| Net Cash (Debt) | $250.32M | $164.40M |
| Net Cash Per Share | $24.93 | $8.13 |
| Equity (Book Value) | $371.81M | $563.88M |
| Book Value Per Share | $37.02 | $28.47 |
| Tangible Book Value | $370.30M | $475.36M |
Cash flow (trailing twelve months)
| Measure | Unity Bancorp | Industry median |
|---|---|---|
| Operating Cash Flow | $27.64M | $61.52M |
| Capital Expenditures | -$617.00K | -$4.08M |
| Free Cash Flow | $27.03M | $52.15M |
| FCF Per Share | $2.69 | $3.05 |
Efficiency
| Measure | Unity Bancorp | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $594.05K | $353.78K |
| Profits Per Employee | $257.11K | $107.28K |
| Employee Count | 228 | 489 |
Dividends and yields
| Measure | Unity Bancorp | Industry median |
|---|---|---|
| Earnings Yield | 10.5% | 8.13% |
| FCF Yield | 4.84% | 8.91% |
| Dividend Yield | 1.04% | 2.48% |
| Buyback Yield | 0.61% | 1.55% |
| Shareholder Yield | 1.66% | 3.13% |
| Dividend Per Share | $0.58 | $0.93 |
| Dividend Growth (YoY) | 11.5% | 4.26% |
| Years of Dividend Growth | 11 | 2 |
| Payout Ratio | 10.3% | 29.3% |
| FCF Payout Ratio | 22.3% | 26.0% |
Shares
| Measure | Unity Bancorp | Industry median |
|---|---|---|
| Shares Outstanding | 10,042,600 | 18,839,100 |
| Shares Change (YoY) | 0.03% | 0.40% |
| Shares Change (QoQ) | 0.02% | 0.00% |
| Float | 7,833,470 | 17,061,900 |
| Shares Held by Insiders | 22.0% | 5.89% |
| Shares Held by Institutions | 52.2% | 61.9% |
Taxes
| Measure | Unity Bancorp | Industry median |
|---|---|---|
| Income Tax | $17.08M | $14.50M |
| Effective Tax Rate | 22.6% | 21.1% |
Scores
| Measure | Unity Bancorp | Industry median |
|---|---|---|
| Graham Number | $69.21 | $45.31 |
| Graham Upside | 24.5% | 21.9% |
| Altman Z-Score | 0.28 | 0.21 |
| Piotroski F-Score | 5 | 6 |
Calculated by StockData from Unity Bancorp's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.