Unity Bancorp, Inc.

Unity Bancorp, Inc.

UNTY
Unity Bancorp, Inc.US flagNASDAQ Global Market
54.73
USD
+0.14
- -
549.54MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
4.1
4.26
4.5
4.91
5.07
5.87
6.09
7.15
8.46
9.29
9.89
10.41
13.33
13.77
Basic EPS, GAAP
0.5
0.74
1.03
1.4
1.22
2.04
2.18
2.21
3.47
3.66
3.89
4.13
5.78
6.05
Free Cash Flow per Basic Share
0.8
1.29
0.22
-0.09
1.23
3.46
3
2.03
3.01
3.92
4.5
4.71
4.42
4.12
Dividend per Share
0.09
0.09
0.12
0.16
0.23
0.26
0.3
0.31
0.35
0.42
0.46
0.5
0.56
0.58
Book Value per Share
6.94
8.1
8.52
11.27
11.17
12.93
14.8
17.05
20.86
24.19
28.56
33.02
34.87
36.18
Tangible Book Value per Share
6.7
7.94
8.3
11.13
11.04
12.77
14.68
16.1
19.63
22.62
25.46
29.32
34.3
35.58
Basic Weighted Avg Shares
8
9
9
9
11
11
11
11
10
11
10
10
10
10
Sales/Revenue/Turnover
34
37
42
46
53
63
66
77
88
98
101
104
134
138
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
1
2
2
2
2
3
2
3
3
2
Net Income, GAAP
5
6
10
13
13
22
24
24
36
38
40
41
58
61
Effective Tax Rate (%)
33.42
32.92
33.48
35.46
42.53
19.73
21.98
24.02
24.96
25.21
25.07
23.79
23.26
22.83
Profit Margin (%)
15.03
17.42
22.91
28.56
24.11
34.83
35.81
30.89
41.03
39.39
39.34
39.7
43.33
43.92
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
77
125
92
116
270
220
293
213
56
393
367
231
266
259
Total Equity
57
70
78
106
118
138
161
174
206
239
261
296
346
358
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
7.26
10.04
12.84
14.27
11.51
17.09
15.81
13.78
18.08
16.32
14.55
13.31
17.02
17.22

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
242
266
259
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
10
10
10
Market Capitalization
490
519
519

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
286
218
252
Accounts Receivable, Net
13
13
13
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
2
2
2
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
16.19%
14.77%
16.93%
Free Cash Flow
-161.84%
16.73%
-6.24%
Net Income, GAAP
22.04%
21.34%
39.81%
Sales/Revenue/Turnover
12.58%
12.17%
28.11%
Total Cash Common Dividend
18.54%
11.32%
11.71%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
26
24
27
27
104
2025
29
36
33
35
134
2026
34
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.95
0.94
1.09
1.15
4.13
2025
1.15
1.64
1.43
1.55
5.78
2026
1.43
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.12
0.12
0.13
0.13
0.5
2025
0.13
0.13
0.14
0.15
0.56
2026
0.15
- -
- -
- -
- -

Company Description

APIChat
CEO
James A. Hughes
Full Time Employees
227
Sector
Financial Services
Industry
Banks - Regional
Address
64 Old Highway 22 Clinton NJ United States of America 08809
IPO Date
Jan 14, 1997
Business
Unity Bancorp, Inc. (NASDAQ: UNTY) operates as the bank holding company for Unity Bank, a community-oriented commercial bank that provides a full range of retail and commercial banking services to individuals, small and medium-sized businesses, and professional communities primarily in New Jersey and the Lehigh Valley region of Pennsylvania; core offerings include personal and business checking accounts, money market accounts, savings accounts, retirement accounts, time deposits, noninterest-bearing and interest-bearing demand deposits, credit and debit cards, wire transfers, safe deposit boxes, automated teller machine services, internet and mobile banking, automated clearing house origination, remote deposit capture, escrow accounts, merchant services, and online business services; lending activities encompass commercial loans, small business administration loans, consumer loans, mortgage loans, home equity loans, personal loans, owner-occupied and non-owner-occupied commercial mortgages, commercial and industrial loans secured by receivables, inventory and equipment, and residential and commercial construction loans. Founded in 1991 and headquartered in Clinton, New Jersey, the company maintains a network of 22 branches across its primary markets and manages approximately $2.8 billion in assets and $2.2 billion in deposits. Recent developments include the opening of a new branch in Madison, New Jersey in June 2025, marking its 22nd location and expanding its retail footprint; a multi-year naming rights partnership with the Somerset County Business Partnership in April 2025 for the Somerset Business Hub; executive leadership promotions announced in November 2025 with George Boyan elevated to President effective January 1, 2026 while retaining his CFO role and joining the boards of Unity Bancorp and Unity Bank; strong financial performance with record net income of $16.5 million in Q2 2025 and $14.4 million in Q3 2025, driven by loan growth of $37.5 million in Q2, deposit increases, net interest margin expansion to 4.49%, and one-time gains from securities sales related to Patriot National Bancorp; and recognition as the 14th top publicly traded bank in the U.S. by Bank Director's 2025 RankingBanking report in August 2025.

Company News

APIChat
  • Unity Bancorp Announces Second Quarter Dividend

  • Here Are Friday’s Top Wall Street Analyst Research Calls: Arista Networks, BWX Technologies, Cisco Systems, Danaher, Doximity, Estee Lauder, Illumina, Texas Roadhouse, Workday, and More

  • Unity Bancorp, Inc. (UNTY) Shareholder/Analyst Call Prepared Remarks Transcript

  • Unity Bancorp (UNTY) Surpasses Q1 Earnings and Revenue Estimates

  • Unity Bancorp Reports Quarterly Earnings of $14.3 Million

  • Unity Bancorp, Inc. $UNTY Shares Purchased by JPMorgan Chase & Co.

  • Unity Bancorp Stands Out From The Small-Cap Crowd

  • Unity Bancorp (NASDAQ:UNTY) Stock Crosses Below Two Hundred Day Moving Average – Here’s Why

  • Unity Bancorp Should Enrich Shareholders Moving Forward

  • Keep An Eye on These 4 Bank Stocks With Recent Dividend Hikes

  • 11,252 Shares in Unity Bancorp, Inc. $UNTY Bought by Principal Financial Group Inc.

  • Head to Head Analysis: Unity Bancorp (NASDAQ:UNTY) vs. Camden National (NASDAQ:CAC)

  • Piper Sandler Names Unity Bank a Top Bank Investment Idea for 2026

  • Unity Bancorp (NASDAQ:UNTY) SVP Sells $42,097.50 in Stock

  • Unity Bancorp (NASDAQ:UNTY) Director Sells $87,112.74 in Stock

  • Unity Bancorp (NASDAQ:UNTY) SVP Sells $43,566.39 in Stock

  • Unity Bancorp: Kicking Off Regional Bank Earnings Season

  • Unity Bancorp Reports Quarterly Earnings of $15.5 Million and Full Year Earnings of $58.0 Million

  • Unity Bancorp, Inc. Announces Executive Leadership Promotions

  • Unity Bancorp Announces Fourth Quarter Dividend