UNTY logo

UNITY BANCORP INC

UNTYNASDAQ
πŸ† #2905 by market capEarnings Oct 12US Equity
$54.84β–Ό $1.07 (βˆ’1.95%)
πŸŒ™ After hours$54.84β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–Ό 1.9%
7dβ–Ό 6.4%
14dβ–Ό 7.6%
30dβ–Ό 6.7%
ytdβ–² 6.5%
1yβ–² 9.8%
🏦Market Cap
$551M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+15.5%
Healthy
πŸ“ŠGross Margin
63.4%
High
πŸ’΅FCF Margin
12.9%
Healthy
βš–οΈP/S Ratio
2.7x
Cheap
Otter Score
60
Fair

Trading Snapshot

Day Range
$54.55 – $55.46
52-Week Range
$44.34 – $62.50
Volume
$3.47B
Avg Volume
$4.28B
Shares Outstanding
10.0M
Next Earnings
Nov 24, 2026

Fundamentals Snapshot

Annual Revenue
$188M
Last Q Revenue
$49M
P/E Ratio
9.6
P/S Ratio
2.7x
EPS (TTM)
$5.85
Dividend Yield
1.14%
Dilution (1yr)
βˆ’0.1%

Why Investors Own UNTY

  • βœ“High-growth profile β€” revenue up +14.5% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 26% gross margin and 21% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

UNTY logo

UNITY BANCORP INC

UNTY
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$188Mβ–² +15.5% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
67.9%β–² +8.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$76Mβ–² +38.8% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$44Mβ–Ό βˆ’6.2% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
10.2Mβ–Ό βˆ’0.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$50Mβ–² +$811K YoY
StockOtter Β· stockotter.space

About UNITY BANCORP INC

As the parent entity of Unity Bank, Unity Bancorp, Inc. delivers a comprehensive range of commercial and retail banking solutions, catering to individual consumers, small and mid-sized enterprises, and professional organizations. Its product portfolio encompasses various deposit accounts, such as personal and business checking, certificates of deposit (time deposits), money market accounts, and traditional savings accounts, alongside both interest-earning and non-interest-bearing demand deposit options. Furthermore, the bank extends a variety of lending products, including Small Business Administration (SBA) loans, commercial financing, and consumer credit facilities, which feature residential mortgages, home equity lines of credit and loans, residential construction financing, and personal loans. Customers can access these services both online and through its network of nineteen physical branches, strategically situated across Bergen, Hunterdon, Middlesex, Somerset, Union, and Warren counties in New Jersey, and Northampton County in Pennsylvania. Established in 1991, Unity Bancorp, Inc. maintains its corporate headquarters in Clinton, New Jersey.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
60/100

Analyst Ratings

β“˜
Consensus
Buy
11 analysts
Strong Buy2
Buy8
Hold1
Sell0
Strong Sell0
Ratings as of Sep 2026

Latest News & Updates

Seeking AlphaΒ·5d ago

Unity Bancorp Should Keep Climbing From Here

Unity Bancorp maintains robust fundamentals, expanding net interest margins, and an attractive valuation, justifying a continued 'buy' rating. UNTY's deposit and loan growth remain strong, with low uninsured deposit expo

Seeking AlphaΒ·5d ago

Unity Bancorp Will Provide Early Look At Q3 Earnings Season

Unity Bancorp (UNTY) maintains robust loan growth and profitability, with a forward PE of 9.87 and strong operational metrics. UNTY's Q2 2026 net interest margin rose to 4.56%, while return on assets and equity remain we

GlobeNewsWireΒ·6d ago

Unity Bancorp, Inc. and Unity Bank Announce Retirement of CEO James A. Hughes and Planned Leadership Succession

George Boyan to Become Chief Executive Officer on April 1, 2027; Hughes to Continue Serving on Company and Bank Board George Boyan to Become Chief Executive Officer on April 1, 2027; Hughes to Continue Serving on Company

Zacks Investment ResearchΒ·20d ago

Unity Bancorp (UNTY) Upgraded to Buy: Here's What You Should Know

Unity Bancorp (UNTY) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Defense WorldΒ·27d ago

550,326 Shares in Unity Bancorp, Inc. $UNTY Purchased by BlackRock Inc.

BlackRock Inc. bought a new stake in shares of Unity Bancorp, Inc. (NASDAQ: UNTY) in the second quarter, according to its most recent filing with the Securities and Exchange Commission. The institutional investor bought

Zacks Investment ResearchΒ·Aug 24

3 Bank Stocks With Recent Dividend Increases Worth Considering

Dividend hikes from Unity Bancorp, Stock Yards Bancorp and Chemung Financial highlight their profitability, capital strength and income appeal.