NGM · Banks - Regional

Unity Bancorp, Inc. (UNTY) Stock

$54.33 -1.67% NGM: UNTY Financial Services

Valuation

MetricValue
Price$54.33
Market Cap$545.52M
P/E Ratio9.46
P/B Ratio1.49
P/S Ratio2.65
EPS (TTM)$5.67
52-Week High$62.50
52-Week Low$44.34
Dividend Yield1.23%

Financials & Margins

MetricValue
ROE16.64%
ROA1.84%
ROCE18.77%
Gross Margin39.89%
Operating Margin40.43%
Net Margin27.99%
Debt/Equity0.72
Current Ratio0.16

Annual Financials (USD)

Metric20212022202320242025
Revenue$96.0M$108.0M$151.0M$163.0M$188.0M
Operating Profit$48.0M$51.0M$53.0M$54.0M$76.0M
Net Profit$36.0M$38.0M$40.0M$41.0M$58.0M
EPS$3.43$3.59$3.84$4.06$5.67
Op Margin50.3%47.5%35.2%33.4%40.1%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.0B$2.4B$2.6B$2.7B$3.0B
Total Liabilities$1.8B$2.2B$2.3B$2.4B$2.6B
Cash$245.0M$115.0M$195.0M$180.0M$217.0M
Borrowings$56.0M$399.0M$367.0M$231.0M$266.0M

Latest News

Compared to Estimates, Unity Bancorp (UNTY) Q2 Earnings: A Look at Key Metrics Zacks · Jul 14, 2026 Unity Bancorp (UNTY) Misses Q2 Earnings and Revenue Estimates Zacks · Jul 14, 2026 Unity Bancorp: Q2 Earnings Snapshot Associated Press · Jul 14, 2026 Unity Bancorp Reports Quarterly Earnings of $14.5 Million GlobeNewswire · Jul 14, 2026 Unity Bank Appoints Sara M. Sooy and Alfred J. Gaburo to Board of Directors GlobeNewswire · Jun 11, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$33.0M$43.0M$47.0M$48.0M$45.0M
Investing Cash Flow$-42.0M$-543.0M$-59.0M$-94.0M$-257.0M
Financing Cash Flow$197.0M$30.0M$122.0M$171.0M$219.0M
Net Cash Flow$26.0M$-130.0M$80.0M$-14.0M$36.0M
Free Cash Flow$31.0M$41.0M$46.0M$47.0M$44.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.58
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y8.72%
Return 3Y118.87%
Return 5Y157.52%

Ownership

Insiders Held27.37%
Institutions Held52.30%
Institutions Float Held72.01%
Institutional HolderSharesReport Date
Blackrock Inc.507,9332026-03-31
Dimensional Fund Advisors LP448,4352026-03-31
BANC FUNDS CO LLC375,4692026-03-31
Alliancebernstein L.P.363,8602026-03-31
Vanguard Capital Management LLC303,2502026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $336.64 -1.11% 38.93 $4.94T 0.32%
MSFTMicrosoft Corporation $535.07 +2.38% 28.68 $3.97T 0.76%
GOOGLAlphabet Inc. $351.66 +0.97% 16.94 $4.26T 0.26%
AMZNAmazon.com, Inc. $262.43 +3.29% 19.82 $2.82T 0.00%
METAMeta Platforms, Inc. $718.67 -0.31% 27.93 $1.83T 0.28%

About Unity Bancorp, Inc.

Unity Bancorp, Inc. is led by CEO James A. Hughes, employs 227 people, headquartered in US, publicly traded since 1997.

Unity Bancorp, Inc. (UNTY) stock trades at $54.33 with a market capitalization of $545.52M. The stock is valued at a price-to-earnings (P/E) ratio of 9.46, price-to-book of 1.49, price-to-sales of 2.65. Over the past 52 weeks the stock has ranged between $44.34 and $62.50, and currently trades 13.1% below its 52-week high. It pays a dividend yielding 1.23%.

On profitability, Unity Bancorp, Inc. generates a return on equity (ROE) of 16.64%, above the typical market average, return on capital employed of 18.77%, an operating margin of 40.43%, a net profit margin of 27.99%.

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