NGM · Banks - Regional

UNTY (UNTY) Stock

$59.02 +1.57% NGM: UNTY Financial Services

Valuation

MetricValue
Price$59.02
Market Cap$592.61M
P/E Ratio9.36
P/B Ratio1.54
P/S Ratio2.58
EPS (TTM)$5.67
52-Week High$59.83
52-Week Low$43.41
Dividend Yield1.10%

Financials & Margins

MetricValue
ROE16.76%
ROA1.95%
ROCE21.97%
Gross Margin39.89%
Operating Margin40.43%
Net Margin28.73%
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 Ratio—
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
AROW $40.63 -0.39% 13.78 $671.59M 3.21%
BWB $21.00 +1.74% 12.23 $585.50M 0.00%
CBNK $37.73 -0.55% 9.26 $614.55M 1.53%
FBIZ $68.68 +1.78% 9.14 $574.31M 2.24%
HBCP $72.16 -0.48% 10.73 $567.76M 1.89%

About UNTY

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

UNTY stock trades at $59.02 with a market capitalization of $592.61M. The stock is valued at a price-to-earnings (P/E) ratio of 9.36, price-to-book of 1.54, price-to-sales of 2.58. Over the past 52 weeks the stock has ranged between $43.41 and $59.83, and currently trades 1.4% below its 52-week high. It pays a dividend yielding 1.10%.

On profitability, UNTY generates a return on equity (ROE) of 16.76%, above the typical market average, return on capital employed of 21.97%, an operating margin of 40.43%, a net profit margin of 28.73%.

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