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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 $52.90, about 35.9% overvalued vs fair value, +30.2% 1Y return, ranked 462/1037 in sector.
Metrics P/E 9.1× Rev Growth 80.5% ROE 18.1% Gross Margin 67.9%
$52.90
1.89%
As of April 28, 2026
Previous close • Vol 90d: 26.2%
52-Week Range
Market Cap
$529.90M
Enterprise Value
$579.47M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Good
Valuation
Weak
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Good
Valuation
Weak
Completeness: 82%
Confidence: 90%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Apr 10 Estimated

Fair Value Snapshot

Bear Base Bull
$19
$34
$64
Current: $52.90 -36% 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

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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
74
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
83
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing UNTY's balance between Growth (38.0%), Profitability (34.6%), and Safety (27.5%). Growth 38% Safety 27% Profitability 35%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

74th percentile vs peers
74
Key Signals
Asset Growth YoY 11.8% 81p NII Growth YoY 3.8% 57p EPS Growth YoY 39.5% 84p Equity Growth YoY 13.1% 79p
Strengths
  • Asset Growth YoY in top 20% of peers (11.8%, 81th percentile)
  • EPS Growth YoY in top 20% of peers (39.5%, 84th percentile)
  • Net Interest Margin in top 20% of peers (3.7%, 87th percentile)
  • ROE in top 20% of peers (18.1%, 95th percentile)
  • ROA in top 20% of peers (1.6%, 89th percentile)
Risks

No significant risks identified for this axis.

Profitability

67th percentile vs peers
68
Key Signals
Strengths
Risks
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Safety

53th percentile vs peers
54
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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Bear
-
- - -
- upside
-
Base
$33.92
- - -
-35.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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