Symbols / UNTY Stock $52.56 +0.96% Unity Bancorp, Inc.

Financial Services • Banks - Regional • United States • NGM
UNTY (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. James A. Hughes CPA
Exch · Country NGM · United States
Market Cap 527.75M
Enterprise Value 561.34M
Income 60.64M
Sales 132.39M
FCF (ttm) —
Book/sh 35.66
Cash/sh 22.85
Employees 244
Insider 10d —
IPO Jan 14, 1997
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 10.10%
P/E 8.85
Forward P/E 8.31
PEG 0.99
P/S 3.99
P/B 1.47
P/C —
EV/EBITDA —
EV/Sales 4.24
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 5.94
EPS next Y 6.33
EPS Growth 23.90%
Revenue Growth 16.10%
EPS Gr Q/Q 23.20%
Rev Gr Q/Q —
Earnings (next) 2026-07-14
Earnings (prior) 2026-04-14
ROA 2.09%
ROE 18.26%
ROIC —
Gross Margin 0.00%
Oper. Margin 57.70%
Profit Margin 45.80%
Shs Outstand 10.04M
Shs Float 7.29M
Insider Own 27.57%
Instit Own 51.50%
Short Float 1.06%
Short Ratio 1.36
Short Interest 76.83K
52W High 57.30
vs 52W High -8.27%
52W Low 41.67
vs 52W Low 26.13%
Beta 0.61
Impl. Vol. 37.50%
Rel Volume 0.41
Avg Volume 47.41K
Volume 19.66K
Target (mean) $64.75
Tgt Median $65.00
Tgt Low $61.00
Tgt High $68.00
# Analysts 4
Recom Strong_buy
Prev Close $52.06
Price $52.56
Change 0.96%
About

Unity Bancorp, Inc. operates as the bank holding company for Unity Bank that provides commercial and retail banking services. It offers personal and business checking, money market, savings, retirement, money market accounts, as well as time and noninterest and interest-bearing demand deposits. The company also provides commercial, small business administration, consumer, mortgage, and home equity and personal loans; and owner and non-owner-occupied commercial mortgages. In addition, it is involved in the residential construction, commercial, and industrial lending activities secured by business assets, including real estate, receivables, inventory, and equipment. Further, the company offers credit and debit cards, wire transfers, safe deposit boxes, automated teller, and internet and mobile banking services; automated clearing house origination and remote deposit capture services; and business services, such as escrow account, merchant, and online services. Unity Bancorp, Inc. was founded in 1991 and is headquartered in Clinton, New Jersey.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$64.75
Mean price target
2. Current target
$52.56
Latest analyst target
3. DCF / Fair value
$89.10
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$52.56
Low
$61.00
High
$68.00
Mean
$64.75

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-01-15 main Piper Sandler Overweight → Overweight $65
2026-01-14 main Keefe, Bruyette & Woods Outperform → Outperform $65
2025-10-15 main Piper Sandler Overweight → Overweight $61
2025-07-18 main Keefe, Bruyette & Woods Outperform → Outperform $63
2025-04-14 main Piper Sandler Overweight → Overweight $50
2025-01-16 reit Keefe, Bruyette & Woods Outperform → Outperform $55
2025-01-16 reit Piper Sandler Overweight → Overweight $54
2024-12-04 main Keefe, Bruyette & Woods Outperform → Outperform $51
2024-10-14 reit Piper Sandler Overweight → Overweight $44
2024-07-15 reit Keefe, Bruyette & Woods Outperform → Outperform $39
2023-04-06 main Keefe, Bruyette & Woods — → Outperform $32
2022-12-15 init Janney Montgomery Scott — → Buy $32
2022-04-07 init Piper Sandler — → Overweight $33
2020-03-10 init DA Davidson — → Buy $20
2018-07-12 init Keefe, Bruyette & Woods — → Outperform $30
News
RSS: Latest UNTY news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-17 GROSS MARY E Director — 2,075 $56.01 $116,221
2026-03-13 DALLAS ROBERT H II Director and Beneficial Owner of more than 10% of a Class of Security — 14,813 $49.60 $735,434
2026-03-12 DALLAS ROBERT H II Director and Beneficial Owner of more than 10% of a Class of Security — 17,300 $15.70 $346,522
2026-03-10 BOYAN GEORGE President — 10,250 $0.00 $0
2026-03-10 HUGHES JAMES A Chief Executive Officer — 15,000 $0.00 $0
2026-02-18 HUGHES JAMES A Chief Executive Officer — 1,500 $54.50 $81,750
2026-02-18 HUGHES JAMES A Chief Executive Officer — 1,500 $8.95 $13,425
2026-01-29 DONOVAN JAMES JOSEPH Officer — 265 $52.11 $13,809
2026-01-27 GERACI VINCENT Officer — 3,250 $0.00 $0
2026-01-27 DONOVAN JAMES JOSEPH Officer — 2,000 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
133.75
+28.11%
104.40
+3.43%
100.94
+3.38%
97.64
Operating Revenue
133.75
+28.11%
104.40
+3.43%
100.94
+3.38%
97.64
Selling General And Administration
36.34
+8.74%
33.42
+1.11%
33.05
+9.80%
30.10
Selling And Marketing Expense
1.68
+4.41%
1.61
+12.19%
1.44
+18.48%
1.21
General And Administrative Expense
34.65
+8.95%
31.80
+0.61%
31.61
+9.44%
28.89
Salaries And Wages
33.48
+9.03%
30.70
+2.70%
29.90
+7.30%
27.86
Other Gand A
—
—
—
—
Reconciled Depreciation
2.81
+9.31%
2.57
+7.76%
2.38
-13.53%
2.76
Total Unusual Items
—
—
—
—
Total Unusual Items Excluding Goodwill
—
—
—
—
Special Income Charges
—
—
—
—
Net Income
57.95
+39.81%
41.45
+4.39%
39.71
+3.25%
38.46
Pretax Income
75.51
+38.83%
54.39
+2.63%
52.99
+3.06%
51.42
Net Interest Income
117.03
+18.68%
98.61
+3.80%
95.00
+5.43%
90.11
Interest Expense
56.59
-0.93%
57.13
+17.79%
48.50
+356.18%
10.63
Interest Income
173.63
+11.49%
155.74
+8.53%
143.49
+42.44%
100.74
Gain On Sale Of Security
8.42
+981.68%
-0.95
+25.16%
-1.28
+2.82%
-1.31
Tax Provision
17.56
+35.71%
12.94
-2.62%
13.29
+2.50%
12.96
Tax Rate For Calcs
0.00
-2.10%
0.00
-5.18%
0.00
-0.44%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
57.95
+39.81%
41.45
+4.39%
39.71
+3.25%
38.46
Net Income From Continuing Operation Net Minority Interest
57.95
+39.81%
41.45
+4.39%
39.71
+3.25%
38.46
Net Income From Continuing And Discontinued Operation
57.95
+39.81%
41.45
+4.39%
39.71
+3.25%
38.46
Net Income Continuous Operations
57.95
+39.81%
41.45
+4.39%
39.71
+3.25%
38.46
Normalized Income
57.95
+39.81%
41.45
+4.39%
39.71
+3.25%
38.46
Net Income Common Stockholders
57.95
+39.81%
41.45
+4.39%
39.71
+3.25%
38.46
Diluted EPS
5.67
+39.66%
4.06
+5.73%
3.84
+6.96%
3.59
Basic EPS
5.78
+39.95%
4.13
+6.17%
3.89
+6.28%
3.66
Basic Average Shares
10.03
+0.02%
10.03
-1.72%
10.21
-2.86%
10.51
Diluted Average Shares
10.22
+0.21%
10.20
-1.32%
10.34
-3.43%
10.71
Diluted NI Availto Com Stockholders
57.95
+39.81%
41.45
+4.39%
39.71
+3.25%
38.46
Insurance And Claims
1.17
+6.73%
1.10
-35.86%
1.72
+67.81%
1.02
Occupancy And Equipment
6.63
+4.85%
6.32
+7.79%
5.87
+7.53%
5.46
Other Non Interest Expense
6.75
+9.17%
6.18
+10.77%
5.58
+11.94%
4.98
Professional Expense And Contract Services Expense
1.76
+4.46%
1.68
+7.68%
1.56
+11.56%
1.40
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
2,966.65
+11.78%
2,654.02
+2.93%
2,578.51
+5.46%
2,444.95
Cash And Cash Equivalents
216.52
+20.00%
180.44
-7.36%
194.78
+69.68%
114.79
Cash Financial
19.84
-1.81%
20.21
-2.24%
20.67
+4.92%
19.70
Other Short Term Investments
1.97
-97.90%
93.88
+2.31%
91.77
-3.80%
95.39
Receivables
12.90
+1.62%
12.69
-6.56%
13.58
+1.34%
13.40
Accounts Receivable
12.90
+1.62%
12.69
-6.56%
13.58
+1.34%
13.40
Other Receivables
—
—
—
—
Prepaid Assets
—
—
—
9.14
Net PPE
18.02
-4.03%
18.78
-4.03%
19.57
-2.17%
20.00
Gross PPE
28.58
+1.05%
28.28
-31.20%
41.11
+2.27%
40.20
Accumulated Depreciation
-10.56
-11.09%
-9.50
+55.88%
-21.54
-6.68%
-20.19
Land And Improvements
23.34
+0.09%
23.32
-5.14%
24.58
+0.14%
24.55
Machinery Furniture Equipment
3.54
+3.27%
3.43
-74.26%
13.32
+6.24%
12.54
Other Properties
—
—
—
5.60
Leases
1.70
+10.76%
1.53
-52.14%
3.21
+3.12%
3.11
Goodwill And Other Intangible Assets
1.52
+0.00%
1.52
+0.00%
1.52
+0.00%
1.52
Goodwill
1.52
+0.00%
1.52
+0.00%
1.52
+0.00%
1.52
Investments And Advances
124.02
-14.49%
145.03
+6.88%
135.69
-3.73%
140.95
Total Liabilities Net Minority Interest
2,621.02
+11.13%
2,358.43
+1.78%
2,317.08
+5.05%
2,205.72
Payables And Accrued Expenses
2.14
+25.62%
1.70
-11.54%
1.92
+178.44%
0.69
Payables
2.14
+25.62%
1.70
-11.54%
1.92
+178.44%
0.69
Accounts Payable
2.14
+25.62%
1.70
-11.54%
1.92
+178.44%
0.69
Current Accrued Expenses
—
—
24.27
+0.30%
24.19
Long Term Debt And Capital Lease Obligation
266.08
+15.28%
230.81
-37.06%
366.75
-6.75%
393.31
Long Term Debt
266.08
+15.28%
230.81
-37.06%
366.75
-6.75%
393.31
Long Term Capital Lease Obligation
—
—
—
5.60
Long Term Provisions
—
—
—
—
Non Current Deferred Liabilities
—
—
—
—
Non Current Deferred Revenue
—
—
—
—
Stockholders Equity
345.63
+16.93%
295.58
+13.06%
261.43
+9.28%
239.23
Common Stock Equity
345.63
+16.93%
295.58
+13.06%
261.43
+9.28%
239.23
Capital Stock
105.89
+1.88%
103.94
+3.50%
100.43
+3.31%
97.20
Common Stock
105.89
+1.88%
103.94
+3.50%
100.43
+3.31%
97.20
Preferred Stock
0.00
0.00
0.00
—
Share Issued
10.05
-13.50%
11.62
+1.68%
11.42
+1.20%
11.29
Ordinary Shares Number
9.98
-0.44%
10.03
-0.37%
10.06
-4.92%
10.58
Treasury Shares Number
0.07
-95.85%
1.59
+16.83%
1.36
+93.05%
0.70
Retained Earnings
243.94
+7.30%
227.33
+18.95%
191.11
+21.76%
156.96
Gains Losses Not Affecting Retained Earnings
-1.09
+48.03%
-2.11
+23.02%
-2.74
+16.04%
-3.26
Treasury Stock
3.10
-90.76%
33.58
+22.69%
27.37
+134.41%
11.68
Other Equity Adjustments
-1.09
+48.03%
-2.11
+23.02%
-2.74
+16.04%
-3.26
Total Equity Gross Minority Interest
345.63
+16.93%
295.58
+13.06%
261.43
+9.28%
239.23
Total Capitalization
611.72
+16.21%
526.40
-16.20%
628.18
-0.69%
632.54
Invested Capital
611.72
+16.21%
526.40
-16.20%
628.18
-0.69%
632.54
Total Debt
266.08
+15.28%
230.81
-37.06%
366.75
-6.75%
393.31
Net Debt
49.56
-1.61%
50.38
-70.71%
171.97
-38.25%
278.52
Capital Lease Obligations
—
—
—
5.60
Net Tangible Assets
344.12
+17.02%
294.07
+13.14%
259.91
+9.34%
237.71
Tangible Book Value
344.12
+17.02%
294.07
+13.14%
259.91
+9.34%
237.71
Available For Sale Securities
85.47
+767.69%
9.85
+26.25%
7.80
-20.33%
9.79
Cash Cash Equivalents And Federal Funds Sold
216.52
+20.00%
180.44
-7.36%
194.78
+69.68%
114.79
Derivative Product Liabilities
—
—
—
—
Held To Maturity Securities
36.58
-11.43%
41.29
+14.32%
36.12
+1.01%
35.76
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
44.91
-6.42%
47.99
+2.30%
46.91
+9.94%
42.67
Cash Flow From Continuing Operating Activities
44.91
-6.42%
47.99
+2.30%
46.91
+9.94%
42.67
Net Income From Continuing Operations
57.95
+39.81%
41.45
+4.39%
39.71
+3.25%
38.46
Depreciation Amortization Depletion
2.81
+9.31%
2.57
+7.76%
2.38
-13.53%
2.76
Depreciation And Amortization
2.81
+9.31%
2.57
+7.76%
2.38
-13.53%
2.76
Other Non Cash Items
-0.77
-42.28%
-0.54
+42.37%
-0.94
+53.93%
-2.05
Stock Based Compensation
2.09
+14.76%
1.82
+4.11%
1.75
+4.16%
1.68
Asset Impairment Charge
—
—
—
—
Deferred Tax
-0.84
+51.92%
-1.75
-1908.05%
-0.09
+92.78%
-1.21
Deferred Income Tax
-0.84
+51.92%
-1.75
-1908.05%
-0.09
+92.78%
-1.21
Operating Gains Losses
-7.83
-186.32%
-2.73
+14.29%
-3.19
-35.57%
-2.35
Gain Loss On Investment Securities
-5.60
-854.95%
-0.59
-69.86%
-0.34
0.00
Gain Loss On Sale Of PPE
—
—
—
—
Change In Working Capital
-12.29
-453.32%
3.48
-21.61%
4.44
+266.78%
1.21
Investing Cash Flow
-256.84
-176.72%
-92.81
-60.45%
-57.85
+89.31%
-541.28
Cash Flow From Continuing Investing Activities
-256.84
-176.72%
-92.81
-60.45%
-57.85
+89.31%
-541.28
Net PPE Purchase And Sale
-0.56
+18.61%
-0.69
+27.43%
-0.95
+35.56%
-1.48
Purchase Of PPE
-0.56
+18.61%
-0.69
+27.43%
-0.95
+35.56%
-1.48
Sale Of PPE
—
—
—
—
Capital Expenditure
-0.56
+18.61%
-0.69
+27.43%
-0.95
+35.56%
-1.48
Net Investment Purchase And Sale
31.43
+447.72%
-9.04
-262.09%
5.58
+108.11%
-68.78
Purchase Of Investment
-18.11
-2.07%
-17.75
-1925.91%
-0.88
+98.89%
-78.64
Sale Of Investment
49.54
+468.85%
8.71
+34.98%
6.45
-34.52%
9.85
Net Other Investing Changes
-1.81
-130.48%
5.93
+95.84%
3.03
+120.12%
-15.05
Financing Cash Flow
248.01
+713.47%
30.49
-66.47%
90.92
-75.33%
368.59
Cash Flow From Continuing Financing Activities
248.01
+713.47%
30.49
-66.47%
90.92
-75.33%
368.59
Net Issuance Payments Of Debt
35.27
+125.95%
-135.93
-411.76%
-26.56
-107.74%
343.00
Issuance Of Debt
5.27
+394.37%
1.07
-97.30%
39.44
0.00
Repayment Of Debt
—
-137.00
-107.58%
-66.00
—
Long Term Debt Issuance
5.27
+394.37%
1.07
-97.30%
39.44
0.00
Long Term Debt Payments
—
—
—
—
Net Long Term Debt Issuance
5.27
+394.37%
1.07
-97.30%
39.44
0.00
Short Term Debt Payments
—
-137.00
-107.58%
-66.00
—
Net Short Term Debt Issuance
30.00
+121.90%
-137.00
-107.58%
-66.00
-119.24%
343.00
Net Common Stock Issuance
-5.04
+18.86%
-6.21
+60.43%
-15.69
-37261.90%
-0.04
Common Stock Payments
-5.04
+18.86%
-6.21
+60.43%
-15.69
-37261.90%
-0.04
Common Stock Dividend Paid
-5.61
-11.71%
-5.02
-6.35%
-4.72
-7.96%
-4.37
Cash Dividends Paid
-5.61
-11.71%
-5.02
-6.35%
-4.72
-7.96%
-4.37
Repurchase Of Capital Stock
-5.04
+18.86%
-6.21
+60.43%
-15.69
-37261.90%
-0.04
Proceeds From Stock Option Exercised
-0.36
-124.26%
1.48
+15.26%
1.28
-5.38%
1.36
Net Other Financing Charges
—
—
—
—
Changes In Cash
36.08
+351.65%
-14.34
-117.93%
79.98
+161.51%
-130.03
Beginning Cash Position
180.44
-7.36%
194.78
+69.68%
114.79
-53.11%
244.82
Free Cash Flow
44.34
-6.24%
47.29
+2.92%
45.95
+11.57%
41.19
Interest Paid Supplemental Data
56.16
-2.08%
57.35
+21.34%
47.26
+369.40%
10.07
Income Tax Paid Supplemental Data
14.03
-0.29%
14.07
+6.49%
13.22
-5.12%
13.93
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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