Unity Bancorp, Inc.
General ticker "UNTY" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $510.6M (TTM average)
Unity Bancorp, Inc. follows the US Stock Market performance with the rate: 44.6%.
Estimated limits based on current volatility of 2.0%: low 56.21$, high 58.56$
Factors to consider:
- Earnings expected soon, date: 2026-07-21 bmo
- Company pays dividends (quarterly): last record date 2026-06-04, amount 0.16$ (Y1.12%)
- Total employees count: 220 (-7.2%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Liquidity and credit risks, Geographic concentration, Interest rate risk, Cybersecurity threats
- Price in estimated range
- Earnings for 3 months up through Q1 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [45.33$, 62.63$]
- 2026-12-31 to 2027-12-31 estimated range: [43.30$, 61.22$]
Financial Metrics affecting the UNTY estimates:
- Negative: with PPE of 10.6 at the end of fiscal year the price was high
- Positive: 6.62 < Operating cash flow per share per price, % of 8.35
- Positive: Operating profit margin, % of 69.72 > 18.40
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Negative: Shareholder equity ratio, % of 11.65 <= 19.19
- Positive: Industry operating profit margin (median), % of 24.29 > 9.66
- Positive: 1.77 < Return on assets ratio (scaled to [-100,100]) of 1.92
- Positive: Industry earnings per price (median), % of 7.28 > 4.44
Short-term UNTY quotes
Long-term UNTY plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $150.72MM | $328.42MM | $360.70MM |
| Operating Expenses | $97.72MM | $107.23MM | $109.23MM |
| Operating Income | $52.99MM | $221.18MM | $251.47MM |
| Non-Operating Income | $0.00MM | $-166.79MM | $-175.96MM |
| Interest Expense | $48.50MM | $57.13MM | $56.59MM |
| Income(Loss) | $52.99MM | $54.39MM | $75.51MM |
| Taxes | $13.29MM | $12.94MM | $17.56MM |
| Net Income(Loss)* | $39.71MM | $41.45MM | $57.95MM |
| Stockholders Equity | $261.43MM | $295.58MM | $345.63MM |
| Assets | $2,578.51MM | $2,654.02MM | $2,966.65MM |
| Operating Cash Flow | $46.91MM | $47.99MM | $44.91MM |
| Capital expenditure | $0.95MM | $0.69MM | $0.56MM |
| Investing Cash Flow | $-57.85MM | $-92.81MM | $-256.84MM |
| Financing Cash Flow | $90.92MM | $30.49MM | $248.01MM |
| Earnings Per Share** | $3.89 | $4.13 | $5.78 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.