Unity Bancorp, Inc. (NASDAQ: UNTY) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 10.30 | EPS (ttm) | 5.75 | Insider Own | 44.20% | Shs Outstand | 10.04M | Perf Week | 0.82% |
| Market Cap | 594.92M | Forward P/E | 9.32 | EPS next Y | 6.36 | Insider Trans | -0.25% | Shs Float | 7.29M | Perf Month | -2.66% |
| Enterprise Value | 550.92M | PEG | 2.26 | EPS next Q | 1.50 | Inst Own | - | Short Float | 2.10% | Perf Quarter | 6.66% |
| Income | 57.00M | P/S | 2.83 | EPS this Y | 1.88% | Inst Trans | - | Short Ratio | 2.33 | Perf Half Y | 19.14% |
| Sales | 210.00M | P/B | 1.60 | EPS next Y | 8.54% | ROA | 1.84% | Short Interest | 153.40K | Perf YTD | 14.56% |
| Book/sh | 37.05 | P/C | 1.61 | EPS next 5Y | 4.55% | ROE | 16.64% | 52W High | 62.03 -5.20% | Perf Year | 13.68% |
| Cash/sh | 36.85 | P/FCF | 22.31 | EPS past 3/5Y | 16.46% 20.96% | ROIC | 8.11% | 52W Low | 44.00 33.63% | Perf 3Y | 150.42% |
| Dividend Est. | 0.68 (1.16%) | EV/EBITDA | 6.89 | Sales past 3/5Y | 20.29% 15.62% | Gross Margin | 63.36% | Volatility | 2.52% 2.13% | Perf 5Y | 158.28% |
| Dividend TTM | 0.64 (1.09%) | EV/Sales | 2.62 | EPS Y/Y TTM | 41.63% | Oper. Margin | 37.00% | ATR (14) | 1.35 | Perf 10Y | 397.06% |
| Dividend Ex-Date | Sep 03, 2026 | Quick Ratio | 0.17 | Sales Y/Y TTM | 28.83% | Profit Margin | 27.99% | RSI (14) | 50.57 | Recom | 2.00 |
| Dividend Gr. 3/5Y | 10.49% 12.63% | Current Ratio | 0.17 | EPS Q/Q | 18.33% | SMA20 | 0.39% | Beta | 0.65 | Target Price | 68.00 |
| Payout | 10.27% | Debt/Eq | 0.77 | Sales Q/Q | -2.00% | SMA50 | 0.76% | Rel Volume | 1.01 | Prev Close | 59.25 |
| Employees | 242 | LT Debt/Eq | 0.77 | Earnings | Oct 13 | SMA200 | 7.79% | Avg Volume | 60.43K | Price | 58.80 |
| IPO Date | Jan 14, 1997 | Option/Short | Yes / Yes | EPS/Sales Surpr. | -0.84% -0.65% | Net Debt/EBITDA | 0.97 | Volume | 60,890 | Change | -0.76% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Jun-26-26 | Reiterated | Piper Sandler | Overweight | $65 → $68 |
| May-15-26 | Initiated | DA Davidson | Buy | $68 |
| Jan-15-26 | Reiterated | Piper Sandler | Overweight | $61 → $65 |
| Oct-15-25 | Reiterated | Piper Sandler | Overweight | $44 → $61 |
| Oct-14-24 | Reiterated | Piper Sandler | Overweight | $44 |
| Dec-15-22 | Initiated | Janney Montgomery | $32 |
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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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 210 | 188 | 163 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 76 | 61 | 61 | — | — | — | — | — | — | |
| Gross Profit | 133 | 128 | 102 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 49 | 39 | 33 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 6 | 13 | 15 | — | — | — | — | — | — | |
| Operating Income | 78 | 76 | 54 | — | — | — | — | — | — | |
| Interest Expense | 58 | 57 | 57 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 56 | 57 | 57 | — | — | — | — | — | — | |
| Net Income Before Taxes | 76 | 76 | 54 | — | — | — | — | — | — | |
| Income Taxes | 16 | 18 | 13 | — | — | — | — | — | — | |
| Consolidated Net Income | 57 | 58 | 41 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 57 | 58 | 41 | — | — | — | — | — | — | |
| Net Income | 57 | 58 | 41 | — | — | — | — | — | — | |
| EPS (Recurring) | 5.85 | 5.78 | 4.13 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 5.85 | 5.78 | 4.13 | — | — | — | — | — | — | |
| EPS (Diluted) | 5.75 | 5.67 | 4.06 | — | — | — | — | — | — | |
| EBITDA | 80 | 78 | 57 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 10.23 | 9.12 | 10.74 | — | — | — | — | — | — | |
| Price To Sales Ratio | 2.80 | 2.75 | 2.68 | — | — | — | — | — | — | |
| Gross Margin | 63.33 | 68.09 | 62.58 | — | — | — | — | — | — | |
| Operating Margin | 37.14 | 40.43 | 33.13 | — | — | — | — | — | — | |
| Net Margin | 27.14 | 30.85 | 25.15 | — | — | — | — | — | — | |
| Shares Outstanding | 10 | 10 | 10 | — | — | — | — | — | — | |
| Market Capitalization | 588 | 517 | 436 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Boyan George | President | Sep 03 '26 | Sale | 59.16 | 6,504 | 384,792 | 25,015 | Sep 04 |
| Boyan George | President | Sep 02 '26 | Sale | 59.11 | 845 | 49,945 | 31,519 | Sep 04 |
| BRODY MARK S | Director | May 27 '26 | Sale | 55.23 | 1,600 | 88,376 | 113,854 | May 29 |
| BRODY MARK S | Director | May 27 '26 | Option Exercise | 15.70 | 1,600 | 25,120 | 115,454 | May 29 |
| Gross Mary E. | Director | Apr 17 '26 | Sale | 56.01 | 2,075 | 116,221 | 18,479 | Apr 20 |
| DALLAS ROBERT H II | director, 10 percent owner: | Mar 13 '26 | Sale | 49.60 | 7,725 | 383,160 | 32,073 | Mar 16 |
| DALLAS ROBERT H II | director, 10 percent owner: | Mar 12 '26 | Option Exercise | 20.03 | 17,300 | 346,522 | 46,886 | Mar 16 |
| DALLAS ROBERT H II | director, 10 percent owner: | Mar 12 '26 | Sale | 49.70 | 7,088 | 352,274 | 39,798 | Mar 16 |
| HUGHES JAMES A | CEO | Feb 18 '26 | Option Exercise | 8.95 | 1,500 | 13,425 | 174,513 | Feb 19 |
| HUGHES JAMES A | CEO | Feb 18 '26 | Sale | 54.50 | 1,500 | 81,750 | 173,013 | Feb 19 |
| Donovan James Joseph | Chief Lending Officer/FSVP | Jan 29 '26 | Sale | 52.11 | 265 | 13,809 | 0 | Feb 02 |
| Kim Minsu | Chief Credit Officer/SVP | Jan 15 '26 | Sale | 56.13 | 750 | 42,098 | 791 | Jan 16 |
| Geraci Vincent | Director Mortgage Lending/FSVP | Jan 15 '26 | Sale | 55.38 | 1,573 | 87,113 | 0 | Jan 16 |
| Donovan James Joseph | Chief Lending Officer/FSVP | Jan 15 '26 | Sale | 56.07 | 777 | 43,566 | 0 | Jan 16 |
| HUGHES JAMES A | CEO | Jan 08 '26 | Option Exercise | 8.95 | 2,000 | 17,900 | 173,013 | Jan 09 |