Unity Bancorp, Inc.
General ticker "UNTY" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $525.9M (TTM average)
Unity Bancorp, Inc. follows the US Stock Market performance with the rate: 47.4%.
Estimated limits based on current volatility of 1.5%: low 55.15$, high 56.79$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-09-03, amount 0.17$ (Y1.21%)
- Total employees count: 239 (+8.6%) as of 2025
- 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 6 months up through Q2 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: [42.89$, 60.25$]
- 2026-12-31 to 2027-12-31 estimated range: [41.09$, 58.95$]
Financial Metrics affecting the UNTY estimates:
- Negative: with PPE of 10.4 at the end of fiscal year the price was high
- Positive: Operating profit margin, % of 69.72 > 33.79
- Positive: 9.52 < Industry operating cash flow per share per price (median), % of 10.78
- Positive: 1.88 < Return on assets ratio (scaled to [-100,100]) of 1.92
- Positive: 6.77 < Operating cash flow per share per price, % of 8.48
- Positive: Industry earnings per price (median), % of 7.57 > 6.58
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.