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Company Analysis

Unity Bancorp, Inc. UNTY

A comprehensive view of key metrics, scores, and financial health for Unity Bancorp, Inc.

Overview of Unity Bancorp, Inc.

UNTY NGM
Financial Services Banks - Regional Small Cap
Unity Bancorp, Inc. (UNTY), is a Small Cap company, in the Banks - Regional industry, last closed at $50.01, about 32.2% overvalued vs fair value, +18.8% 1Y return, ranked 474/1004 in sector.
$50.01
-0.34%
As of March 13, 2026
Previous close • Vol 90d: 26.3%
52-Week Range
Market Cap
$511.60M
Enterprise Value
$561.16M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.unitybank.com
HQ Clinton, NJ
Employees 242
Fiscal year Dec 31

Next Events

Dividend Mar 20
Earnings Apr 10 Estimated

Fair Value Snapshot

Bear Base Bull
$19
$34
$64
Current: $50.01 -32% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$155.7M
8.5%%
Interest Expense
$56.6M
Net Interest Income
$98.6M
3.8%%
Total Revenue
$188.4M
80.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
14.0%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$11.2M
27.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Unity Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
73
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
81
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing UNTY's balance between Growth (29.4%), Profitability (35.5%), and Safety (35.1%). Growth 29% Safety 35% Profitability 36%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

75th percentile vs peers
75
Key Signals
Rev Growth YoY 80.5% 71p Asset Growth YoY 11.8% 81p Revenue CAGR 3Y 24.5% 73p
Strengths
  • Asset Growth Yoy in top 20% of peers (11.8%, 81th percentile)
  • Roe in top 20% of peers (14.9%, 90th percentile)
  • Operating Margin in top 20% of peers (40.1%, 92th percentile)
Risks

No significant risks identified for this axis.

Profitability

91th percentile vs peers
91
Key Signals
Strengths
Risks
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Safety

89th percentile vs peers
90
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Unity Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$33.92
- - -
-32.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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