Unity Bancorp Statistics
Total Valuation
Unity Bancorp has a market cap or net worth of $486.00 million. The enterprise value is $579.44 million.
Important Dates
The next estimated earnings date is Friday, October 10, 2025, before market open.
| Earnings Date | Oct 10, 2025 |
| Ex-Dividend Date | Jun 6, 2025 |
Share Statistics
Unity Bancorp has 10.03 million shares outstanding. The number of shares has decreased by -0.11% in one year.
| Current Share Class | 10.03M |
| Shares Outstanding | 10.03M |
| Shares Change (YoY) | -0.11% |
| Shares Change (QoQ) | -0.34% |
| Owned by Insiders (%) | 10.29% |
| Owned by Institutions (%) | 45.00% |
| Float | 6.70M |
Valuation Ratios
The trailing PE ratio is 9.80 and the forward PE ratio is 9.30.
| PE Ratio | 9.80 |
| Forward PE | 9.30 |
| PS Ratio | 4.17 |
| Forward PS | 3.70 |
| PB Ratio | 1.52 |
| P/TBV Ratio | 1.53 |
| P/FCF Ratio | 15.06 |
| P/OCF Ratio | 14.64 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 11.47 |
| EV / Sales | 4.98 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 17.96 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 12.01 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 17.02%.
| Return on Equity (ROE) | 17.02% |
| Return on Assets (ROA) | 1.83% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $509,934 |
| Profits Per Employee | $221,487 |
| Employee Count | 228 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Unity Bancorp has paid $15.51 million in taxes.
| Income Tax | 15.51M |
| Effective Tax Rate | 23.49% |
Stock Price Statistics
The stock price has increased by +56.76% in the last 52 weeks. The beta is 0.79, so Unity Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.79 |
| 52-Week Price Change | +56.76% |
| 50-Day Moving Average | 48.46 |
| 200-Day Moving Average | 45.23 |
| Relative Strength Index (RSI) | 46.86 |
| Average Volume (20 Days) | 55,926 |
Short Selling Information
The latest short interest is 72,992, so 0.73% of the outstanding shares have been sold short.
| Short Interest | 72,992 |
| Short Previous Month | 90,319 |
| Short % of Shares Out | 0.73% |
| Short % of Float | 1.09% |
| Short Ratio (days to cover) | 0.92 |
Income Statement
In the last 12 months, Unity Bancorp had revenue of $116.27 million and earned $50.50 million in profits. Earnings per share was $4.94.
| Revenue | 116.27M |
| Gross Profit | 116.27M |
| Operating Income | 67.00M |
| Pretax Income | 51.43M |
| Net Income | 50.50M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $4.94 |
Full Income StatementBalance Sheet
The company has $293.98 million in cash and $387.42 million in debt, giving a net cash position of -$93.44 million or -$9.31 per share.
| Cash & Cash Equivalents | 293.98M |
| Total Debt | 387.42M |
| Net Cash | -93.44M |
| Net Cash Per Share | -$9.31 |
| Equity (Book Value) | 319.84M |
| Book Value Per Share | 31.88 |
| Working Capital | -2.10B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $33.21 million and capital expenditures -$944,000, giving a free cash flow of $32.26 million.
| Operating Cash Flow | 33.21M |
| Capital Expenditures | -944,000 |
| Free Cash Flow | 32.26M |
| FCF Per Share | $3.22 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 57.63% |
| Pretax Margin | 56.77% |
| Profit Margin | 43.43% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 27.75% |
Dividends & Yields
This stock pays an annual dividend of $0.56, which amounts to a dividend yield of 1.13%.
| Dividend Per Share | $0.56 |
| Dividend Yield | 1.13% |
| Dividend Growth (YoY) | 8.00% |
| Years of Dividend Growth | 11 |
| Payout Ratio | 10.93% |
| Buyback Yield | 0.11% |
| Shareholder Yield | 1.27% |
| Earnings Yield | 10.39% |
| FCF Yield | 6.64% |
Dividend DetailsAnalyst Forecast
The average price target for Unity Bancorp is $56.00, which is 15.61% higher than the current price. The consensus rating is "Buy".
| Price Target | $56.00 |
| Price Target Difference | 15.61% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on September 13, 2016. It was a forward split with a ratio of 1.1:1.
| Last Split Date | Sep 13, 2016 |
| Split Type | Forward |
| Split Ratio | 1.1:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 3 |