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Unity Bancorp (UNTY)
Price$54.46
Favorite Metrics
Price vs S&P 500 (26W)9.46%
Price vs S&P 500 (4W)2.11%
Market Capitalization$547.85M
P/E Ratio (Annual)9.45x
Indicated Dividend Yield (Annual)1.16%
All Metrics
P/CF (Annual)12.20x
Book Value / Share (Quarterly)$35.66
P/TBV (Annual)1.64x
Indicated Dividend (Annual)$0.60
Revenue Growth (3Y)10.02%
Cash Flow / Share (Quarterly)$4.44
Payout Ratio (TTM)9.68%
Price vs S&P 500 (YTD)2.42%
Net Profit Margin (TTM)38.66%
EPS (TTM)$5.94
10-Day Avg Trading Volume0.07M
EPS Excl Extra (TTM)$5.94
Revenue Growth (5Y)12.74%
EPS (Annual)$5.67
Dividend / Share (Annual)$0.56
ROI (Annual)16.28%
Net Profit Margin (5Y Avg)36.45%
Cash / Share (Quarterly)$2.59
P/E Basic Excl Extra (TTM)9.04x
Revenue Growth QoQ (YoY)41.05%
EPS Growth (5Y)20.98%
P/E Normalized (Annual)9.45x
ROA (Last FY)1.95%
Revenue Growth TTM (YoY)46.80%
EBITD / Share (TTM)$7.90
ROE (5Y Avg)15.92%
Operating Margin (TTM)51.92%
Cash Flow / Share (Annual)$4.44
P/B Ratio1.53x
P/B Ratio (Quarterly)1.45x
Net Income / Employee (Annual)$0
ROA (TTM)2.06%
EPS Growth QoQ (YoY)23.78%
EV / EBITDA (TTM)6.92x
EPS Incl Extra (Annual)$5.67
3-Month Avg Trading Volume0.05M
52-Week Price Return34.05%
EV / Free Cash Flow (Annual)12.59x
P/E Incl Extra (TTM)9.04x
Tangible BV / Share (Quarterly)$24.80
P/S Ratio (Annual)2.73x
52-Week High$57.30
EPS Excl Extra (Annual)$5.67
CapEx CAGR (5Y)0.14%
Tangible BV CAGR (5Y)15.67%
26-Week Price Return18.21%
13-Week Price Return2.04%
Total Debt / Equity (Annual)0.03x
Enterprise Value$558.159
Revenue / Share Growth (5Y)12.73%
Book Value / Share Growth (5Y)15.89%
Revenue / Employee (Annual)$454,412
Pretax Margin (Annual)52.39%
Cash / Share (Annual)$1.86
3-Month Return Std Dev26.15%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)18.85%
EBITDA Interim CAGR (5Y)9.19%
ROE (Last FY)16.77%
EPS Basic Excl Extra (Annual)$5.67
P/FCF (TTM)7.84x
EV / Free Cash Flow (TTM)12.59x
Total Debt / Equity (Quarterly)0.03x
EPS Incl Extra (TTM)$5.94
ROI (TTM)17.34%
Dividend Growth Rate (5Y)12.70%
P/S Ratio (TTM)2.60x
Pretax Margin (5Y Avg)47.72%
Revenue / Share (Annual)$9.17
Tangible BV / Share (Annual)$12.60
Forward P/E9.35x
Free OCF CAGR (5Y)15.30%
Price vs S&P 500 (52W)-1.04%
P/E Ratio (TTM)9.04x
EPS Growth TTM (YoY)39.33%
Year-to-Date Return6.55%
5-Day Price Return-2.01%
EPS Normalized (Annual)$5.67
ROA (5Y Avg)1.68%
Net Profit Margin (Annual)39.18%
Month-to-Date Return6.33%
Cash Flow / Share (TTM)$3.16
EBITD / Share (Annual)$7.66
EPS Growth (3Y)16.44%
Operating Margin (Annual)52.39%
LT Debt / Equity (Annual)0.03x
P/CF (TTM)12.20x
ROI (5Y Avg)15.31%
P/E Excl Extra (TTM)9.04x
LT Debt / Equity (Quarterly)0.03x
EPS Basic Excl Extra (TTM)$5.94
P/TBV (Quarterly)1.07x
Payout Ratio (Annual)9.68%
P/B Ratio (Annual)1.50x
Dividend / Share (TTM)$0.56
Pretax Margin (TTM)51.92%
Book Value / Share (Annual)$34.63
Price vs S&P 500 (13W)-0.83%
Net Margin Growth (5Y)7.71%
Dividend Yield (TTM)1.02%
Beta0.68x
P/FCF (Annual)12.36x
Revenue / Share (TTM)$9.86
ROE (TTM)17.87%
52-Week Low$40.00
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.22
4.22
4.13
4.13
Industry Peers — State Banks(184)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
UNTYUnity Bancorp | 1.45x | 17.87% | 2.06% | — | $54.46 |
ITUBItau Unibanco Holding S.A. American Depositary Shares | 2.03x | 20.76% | 1.50% | — | $9.28 |
BNSBank of Nova Scotia | 1.45x | 10.41% | 0.62% | — | $76.78 |
BKBank of New York Mellon Corporation | 1.83x | 12.66% | 1.20% | — | $135.37 |
FITBFifth Third Bancorp | 1.23x | 8.86% | 0.93% | — | $50.98 |
FITBIFifth Third Bancorp Depositary Shares | 1.23x | 8.86% | 0.93% | — | $25.31 |
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M | 1.23x | 8.86% | 0.93% | — | $25.88 |
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | 1.23x | 8.86% | 0.93% | — | $19.50 |
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A | 1.23x | 8.86% | 0.93% | — | $24.18 |
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | 1.04x | 9.84% | 0.81% | — | $4.19 |
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value) | 1.04x | 9.84% | 0.81% | — | $3.73 |
About
Unity Bancorp Inc is a bank holding company operating Unity Bank, a community-focused financial institution serving small to medium-sized businesses, professionals, and individuals in its service area. The company offers comprehensive deposit products and a diversified lending portfolio, including commercial, SBA, consumer, mortgage, and personal loans.