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Buy Day today: Neutral (53) Mixed market breadth · no major macro event

Unity Bancorp Inc (UNTY)

Financial Services Banks - Regional
58.90 $
+0.4% vs. previous close
Closing price · As of: 31. Jul 2026
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Basics

Market Cap
0.0$B
Shares Outstanding
10Mio.
Float
72.6%
Beta
0.6

Performance

Perf. 1M
4.70%
Perf. 3M
16.10%
Perf. 6M
11.40%
YTD Performance (%)
10.00%
52-Week-High Distance
-0.8%
Perf. 1Y
28.85%
Perf. 3Y
150.90%
Perf. 5Y
181.04%

Valuation

P/E
10.2
Forward P/E
10.6
PEG
1.0
P/B
1.7
P/S
EV/EBITDA
0.0
Price/FCF

Profitability

Gross Margin
100.0%
EBIT Margin
Net Margin
45.8%
Return on Equity
18.3%
Return on Assets
2.1%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
0.7
Altman Z″
-1.00
very solid
Piotroski
9 out of 9

Growth

Sales Growth Last Quarter
0.00%
EPS Growth Last Quarter
Sales Growth (Year)
15.54%
Forward Sales Growth
9.29%
Forward EPS Growth
8.40%

Dividend

Dividend Yield
1.07%
Dividend Per Share (TTM)
0.62$
Payout Ratio
10.4%
Years Without a Cut
12Years
Increase Streak
12Years

Quality & Screener

Stage
2
RS Rating
53
EPS Rating
50
very solid
Piotroski
9 out of 9
Fundamental Rating
B (59 out of 100)
Altman Z″
-1.00

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.

Analysts & Price Target

Current Price 58.90 $
Price Target (average) 65.50 $

The price target sits 11.2% above the current price.

Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.

Next Reporting Date

13. Oct 2026 · before the open · Q3 2026
Expected Earnings per Share
1.50 $

Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.

Revenue & Profit

Cash Flow

Balance Sheet

Margins

Per Share

Click the chart or tab into it, then use ← and → to step through the periods.

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The figures could not be loaded right now.

Sales Per Quarter ($M)
2024: Q4 · 42.0 $M Q4 2025: Q1 · 42.9 $M Q1 2025: Q2 · 50.2 $M Q2 2025: Q3 · 63.1 $M Q3 2025: Q4 · 49.8 $M Q4 2026: Q1 · 48.1 $M Q1

Source: fundamental data

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Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 1.13 17.80 42 5.20 27.40 23 23
2025: Q1 1.13 21.30 43 8.20 27.00 18 18
2025: Q2 1.61 73.40 50 26.50 32.90 -25 -26
2025: Q3 1.41 30.90 63 49.70 22.80 46 45
2025: Q4 1.52 34.60 50 18.50 31.10 7 6
2026: Q1 1.40 23.80 48 12.00 29.70 15 15
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

Unity Bancorp, Inc. ist die Bankholding der Unity Bank, die Geschäfts- und Privatkundenbankdienstleistungen anbietet.

Employees244
HeadquartersClinton, NJ
Websiteunitybank.com
IPO Date20. Jan 1997

Management

Management
Name Title Birth Year
David D. Dallas Founder & Independent Chairman of the Board 1955
James A. Hughes CPA CEO, Executive VP & Director 1959
George Allen Boyan III, J.D. President & Director 1982
Robert H. Dallas II Founder & Independent Director 1947
Vincent Geraci First Senior VP & Director of Mortgage Lending 1968
Daniel Sharabba Senior VP & Chief Retail Officer 1989
James Donovan First Senior VP & Chief Lending Officer 1964
James R. Davies First SVP, CFO, Principal Financial Officer & Principal Accounting Officer 1992
David Bove Senior VP & Chief Information Officer 1986
Christopher Fenimore First VP & Chief Compliance Officer

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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