Unity Bancorp, Inc.
General ticker "UNTY" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $465.1M (TTM average)
Unity Bancorp, Inc. follows the US Stock Market performance with the rate: 62.1%.
Estimated limits based on current volatility of 1.3%: low 50.80$, high 52.13$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-09-05, amount 0.15$ (Y1.15%)
- Total employees count: 220 (-3.1%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Liquidity and credit risks, Interest rate fluctuations, Cybersecurity threats, Operational and conduct risks
- Earnings for 9 months up through Q3 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 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [36.65$, 49.57$]
- 2025-12-31 to 2026-12-31 estimated range: [36.27$, 50.09$]
Financial Metrics affecting the UNTY estimates:
- Negative: with PPE of 10.6 at the end of fiscal year the price was very high
- Positive: Operating profit margin, % of 33.35 > 18.64
- Positive: 6.82 < Operating cash flow per share per price, % of 10.96
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 1.54
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
- Positive: Industry earnings per price (median), % of 6.49 > 4.43
- Negative: Investing cash flow per share per price, % of -21.21 <= -14.38
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Negative: Shareholder equity ratio, % of 11.14 <= 18.93
Short-term UNTY quotes
Long-term UNTY plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $108.27MM | $150.72MM | $163.07MM |
| Operating Expenses | $56.84MM | $97.72MM | $108.68MM |
| Operating Income | $51.42MM | $52.99MM | $54.39MM |
| Interest Expense | $10.63MM | $48.50MM | $57.13MM |
| Income(Loss) | $51.42MM | $52.99MM | $54.39MM |
| Taxes | $12.96MM | $13.29MM | $12.94MM |
| Profit(Loss)* | $38.46MM | $39.71MM | $41.45MM |
| Stockholders Equity | $239.23MM | $261.43MM | $295.58MM |
| Assets | $2,444.95MM | $2,578.51MM | $2,654.02MM |
| Operating Cash Flow | $42.67MM | $46.91MM | $47.99MM |
| Capital expenditure | $1.48MM | $0.95MM | $0.69MM |
| Investing Cash Flow | $-541.28MM | $-57.85MM | $-92.81MM |
| Financing Cash Flow | $368.59MM | $90.92MM | $30.49MM |
| Earnings Per Share** | $3.66 | $3.89 | $4.13 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.