Unity Bancorp, Inc. Financial Ratios — UNTY Stock

Profitability (USD)

	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	4.85	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
Return on Assets (%)	0.31	0.52	0.59	0.66	0.91	1.16	0.97	1.44	1.43	1.29	1.81	1.72	1.58	1.58	2.06
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.09	3.98	3.72	3.76	1.27	1.59	2.31	3.08	2.45	2.49	1.83	2.82	2.36	2.46	2.1
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	9.85	18.98	22.57	25.97	34.44	44.25	41.95	43.39	45.89	40.66	54.67	52.67	52.5	52.1	56.46
Profit Margin (%)	7.57	12.45	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
Net Income to Common Margin (%)	2.94	7.75	12.13	17.42	22.91	28.56	24.11	34.83	35.81	30.89	41.03	39.39	39.34	39.7	43.33
Effective Tax Rate (%)	23.2	34.4	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
Dvd Payout Ratio (%)	-53.24	-21.57	-5.21	11.81	11.6	11.54	18.46	12.78	13.76	13.95	10.01	11.37	11.89	12.11	9.68
Sustainable Growth Rate (%)	- -	5.9	7.64	8.86	11.35	12.63	9.39	14.9	13.64	11.86	16.27	14.47	12.82	11.7	15.37

Credit (USD)

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	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	45	45	77	125	92	116	270	220	293	213	56	393	367	231	266
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	45	45	77	125	92	116	270	220	293	213	56	393	367	231	266
Total Debt/EBITDA	43.72	33.48	61.14	90.59	174.46	158.46	218.34	113.74	181.17	111.43	34.56	142.71	153.9	89.88	94.79
Net Debt/EBITDA	26.71	16.02	41.98	69.4	131.67	128.34	199.2	103.4	168.13	98.25	-120.89	101.06	72.17	19.62	17.66
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.52	6.84	6.26	6.94	7.28	8.92	8.1	8.78	9.34	9.32	10.67	10.4	11.31	12.48	11.79
Long-Term Debt/Equity (%)	61.81	58.66	135.49	178.92	117.83	109.43	228.87	159.08	182.51	122.32	27.03	164.41	140.29	78.09	76.98
Long-Term Debt/Capital (%)	38.56	37.38	57.33	64.19	53.95	52.29	69.63	61.38	64.62	53.82	20.4	60.75	55.71	41.06	43.2
Long-Term Debt/Total Assets (%)	5.61	5.55	8.41	12.44	8.52	9.77	18.57	13.95	17.06	10.86	2.73	16.09	14.22	8.7	8.97
Total Debt/Equity (%)	61.81	58.66	135.49	178.92	117.83	109.43	228.87	159.08	182.51	122.32	27.03	164.41	140.29	78.09	76.98
Total Debt/Capital (%)	38.56	37.38	57.33	64.19	53.95	52.29	69.63	61.38	64.62	53.82	20.4	60.75	55.71	41.06	43.2
Total Debt/Total Assets (%)	5.61	5.55	8.41	12.44	8.52	9.77	18.57	13.95	17.06	10.86	2.73	16.09	14.22	8.7	8.97
Net Debt to Equity	37.76	28.07	93.04	137.06	88.93	88.63	208.8	144.62	169.38	107.85	-94.55	116.42	65.78	17.04	14.34
Net Debt/Capital (%)	27.72	22.22	47.99	57.87	46.92	47.02	67.66	59.09	62.9	50.35	-698.86	52.29	37.1	13.2	12.41
EBITDA	1	1	1	1	1	1	1	2	2	2	2	3	2	3	3
EBITDA-CapEx	-1	- -	-4	1	- -	-9	- -	- -	1	1	- -	1	1	2	2
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.52	6.84	6.26	6.94	7.28	8.92	8.1	8.78	9.34	9.32	10.67	10.4	11.31	12.48	11.79
Long-Term Debt/Equity (%)	61.81	58.66	135.49	178.92	117.83	109.43	228.87	159.08	182.51	122.32	27.03	164.41	140.29	78.09	76.98
Long-Term Debt/Capital (%)	38.56	37.38	57.33	64.19	53.95	52.29	69.63	61.38	64.62	53.82	20.4	60.75	55.71	41.06	43.2
Long-Term Debt/Total Assets (%)	5.61	5.55	8.41	12.44	8.52	9.77	18.57	13.95	17.06	10.86	2.73	16.09	14.22	8.7	8.97
Total Debt/Equity (%)	61.81	58.66	135.49	178.92	117.83	109.43	228.87	159.08	182.51	122.32	27.03	164.41	140.29	78.09	76.98
Total Debt/Capital (%)	38.56	37.38	57.33	64.19	53.95	52.29	69.63	61.38	64.62	53.82	20.4	60.75	55.71	41.06	43.2
Total Debt/Total Assets (%)	5.61	5.55	8.41	12.44	8.52	9.77	18.57	13.95	17.06	10.86	2.73	16.09	14.22	8.7	8.97
CFO/Total Liabilities	2.22	1.79	1.32	1.25	0.3	0.81	1.08	2.68	2.13	1.25	1.78	1.93	2.02	2.03	1.71
CFO/CapEx	9.54	7.32	2.39	19.63	3.14	0.92	9.58	25.61	46.83	39.93	26.04	28.79	49.12	69.25	79.62
Altman's Z-Score	0.08	0.08	0.09	0.1	0.13	0.15	0.16	0.18	0.19	0.17	0.22	0.21	0.22	0.27	0.28

Working Capital (USD)

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	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	8.98	9.74	10.36	10.84	11.27	11.08	10.79	10.62	9.87	8.79	8.8	8.49	7.48	7.95	10.45
Days Sales Outstanding	40.64	37.49	35.24	33.68	32.38	32.94	33.82	34.35	36.98	41.52	41.49	42.97	48.79	45.93	34.91
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	47	47	58	74	105	148	209	223	245	188	273	287	302	437	519
- Cash & Cash Equivalents	18	24	24	29	23	22	24	20	21	23	245	115	195	180	217
+ Preferred Equity and Hybrid Capital	20	20	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	45	45	77	125	92	116	270	220	293	213	56	393	367	231	266
Enterprise Value	6	-1	30	110	122	201	403	376	453	332	27	470	382	394	566
Total Capital	118	122	135	195	171	222	388	359	454	395	273	647	658	562	616
Total Debt/Capital (%)	38.56	37.38	57.33	64.19	53.95	52.29	69.63	61.38	64.62	53.82	20.4	60.75	55.71	41.06	43.2
Total Debt / EV	8.26	-44.19	2.6	1.14	0.76	0.58	0.67	0.59	0.65	0.64	2.03	0.84	0.96	0.59	0.47
EV/Sales	0.16	- -	0.88	2.99	2.92	4.36	7.53	5.98	6.85	4.34	0.31	4.82	3.79	3.77	4.24
EV/EBITDA	5.29	- -	23.55	79.49	230.21	274.48	325.4	194.24	279.62	174.07	17.02	170.65	160.4	153.4	201.82
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	0.34	- -	2.61	9.4	40.92	22.93	27.88	9.75	13.63	14.89	0.84	11.02	8.15	8.21	12.62
EV/Free Cash Flow to Firm	0.3	- -	1.84	8.94	31.02	10.96	25.24	9.38	13.35	14.52	0.81	10.65	7.99	8.09	12.46
Diluted Market Cap	50	49	60	75	106	150	212	227	249	190	277	293	306	445	529
Diluted Enterprise Value	97	90	113	171	176	244	459	427	521	380	88	571	478	495	578
EV per Share	0.68	- -	3.59	12.74	13.17	21.4	38.16	35.08	41.74	31.03	2.63	44.76	37.45	39.27	56.46
TTM Sales	34	34	34	37	42	46	53	63	66	77	88	98	101	104	134
TTM EBITDA	1	1	1	1	1	1	1	2	2	2	2	3	2	3	3
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	16	13	11	12	3	9	14	39	33	22	33	43	47	48	45
TTM Free Cash Flow to Firm	18	15	16	12	4	18	16	40	34	23	34	44	48	49	45

Multiples (USD)

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	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	2.74	3.21	3.68	6.08	27.05	8.17	13.3	5.65	7.34	8.29	8.2	6.63	6.39	9.14	11.63
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	6	-1	30	110	122	201	403	376	453	332	27	470	382	394	566
Low Price	5.48	5	5.32	6.56	8.08	8.75	15.35	18.24	16.74	8.76	17.2	24.8	20.01	25.33	36.65
EV/Sales	0.16	- -	0.88	2.99	2.92	4.36	7.53	5.98	6.85	4.34	0.31	4.82	3.79	3.77	4.24
EV/EBITDA	5.29	- -	23.55	79.49	230.21	274.48	325.4	194.24	279.62	174.07	17.02	170.65	160.4	153.4	201.82
Price/Earnings	47.52	17.65	14	11.56	11	11.19	16.17	10.16	10.35	7.95	7.56	7.47	7.61	10.55	8.95
Price/Earnings Average	49.2	17.29	12.91	10.71	8.57	8.26	14.58	10.9	9.61	6.92	6.58	7.62	6.35	7.84	8.19
Price/Earnings High	57.23	18.87	14.87	15.48	11.47	12.19	17.16	12.48	11.33	10.76	8.33	8.57	7.68	11.72	9.91
Price/Earnings Low	44.74	15.57	10.7	8.85	7.84	6.24	12.57	8.93	7.68	3.97	4.95	6.78	5.14	6.13	6.35
Price/Book Value	0.89	0.83	1	1.06	1.33	1.39	1.77	1.61	1.52	1.03	1.26	1.13	1.04	1.32	1.48
Price/Book Value Average	0.92	0.81	0.92	0.98	1.04	1.03	1.59	1.72	1.42	0.9	1.1	1.15	0.87	0.98	1.36
Price/Book Value High	1.07	0.89	1.06	1.42	1.39	1.52	1.88	1.97	1.67	1.39	1.39	1.3	1.05	1.47	1.64
Price/Book Value Low	0.84	0.73	0.77	0.81	0.95	0.78	1.37	1.41	1.13	0.51	0.82	1.03	0.7	0.77	1.05
Price/Tangible Book Value	0.89	0.83	1.04	1.08	1.37	1.41	1.79	1.63	1.54	1.09	1.34	1.21	1.16	1.49	1.51
Price/Tangible Book Value Average	0.93	0.82	0.96	1	1.06	1.04	1.61	1.74	1.43	0.95	1.16	1.23	0.97	1.11	1.38
Price/Tangible Book Value High	1.08	0.89	1.1	1.45	1.42	1.54	1.9	2	1.68	1.48	1.47	1.39	1.17	1.65	1.67
Price/Tangible Book Value Low	0.84	0.74	0.79	0.83	0.97	0.79	1.39	1.43	1.14	0.54	0.88	1.1	0.79	0.86	1.07
Price/Sales	1.39	1.37	1.7	2.01	2.52	3.2	3.9	3.54	3.71	2.46	3.1	2.94	2.99	4.19	3.88
Price/Sales Average	1.44	1.34	1.57	1.87	1.96	2.36	3.51	3.8	3.44	2.14	2.7	3	2.5	3.11	3.55
Price/Sales High	1.68	1.46	1.8	2.7	2.63	3.48	4.14	4.35	4.06	3.32	3.42	3.38	3.02	4.65	4.29
Price/Sales Low	1.31	1.21	1.3	1.54	1.79	1.78	3.03	3.11	2.75	1.23	2.03	2.67	2.02	2.43	2.75
Price/Cash Flow	2.87	3.5	5.05	6.32	35.24	16.82	14.43	5.77	7.37	8.42	8.39	6.73	6.44	9.12	11.56
Price/Cash Flow Average	2.97	3.43	4.65	5.86	27.46	12.42	13.01	6.19	6.84	7.33	7.31	6.87	5.38	6.77	10.57
Price/Cash Flow High	3.46	3.75	5.36	8.47	36.77	18.32	15.31	7.09	8.07	11.39	9.25	7.73	6.5	10.13	12.79
Price/Cash Flow Low	2.7	3.09	3.86	4.84	25.11	9.38	11.22	5.07	5.47	4.2	5.5	6.11	4.35	5.29	8.19
Price/Free Cash Flow Average	2.84	3.15	3.4	5.64	21.07	6.03	11.99	6.06	6.81	7.22	7.13	6.76	5.34	6.79	10.64
Price/Free Cash Flow High	3.3	3.44	3.91	8.15	28.22	8.9	14.11	6.94	8.03	11.22	9.03	7.61	6.45	10.15	12.87
Price/Free Cash Flow Low	2.58	2.83	2.82	4.66	19.27	4.56	10.34	4.97	5.44	4.14	5.37	6.01	4.32	5.31	8.24
EV/Sales Average	2.85	2.57	3.13	4.48	3.64	4.4	8.13	6.98	7.56	4.62	0.55	5.85	4.2	3.6	3.92
EV/Sales High	3.09	2.69	3.37	5.31	4.3	5.52	8.75	7.53	8.18	5.8	1.27	6.23	4.73	5.14	4.66
EV/Sales Low	2.72	2.44	2.86	4.15	3.47	3.82	7.64	6.29	6.87	3.71	- -	5.52	3.73	2.92	3.12
EV/EBITDA Average	92.24	64.48	84.02	118.95	286.15	277.01	351	226.74	308.46	185.28	30.15	207.41	178.02	146.17	186.75
EV/EBITDA High	99.87	67.54	90.4	141.02	338.53	347.71	377.87	244.6	333.59	232.75	69.32	220.67	200.15	208.83	222.25
EV/EBITDA Low	88.01	61.12	76.84	110.33	272.95	240.59	330.11	204.4	280.27	148.66	-6.39	195.62	157.87	118.56	148.65
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	5.82	5.67	6.96	8.57	11.34	15.7	19.75	20.76	22.57	17.55	26.25	27.33	29.59	43.61	51.72
High Price	7.01	6.06	7.39	11.48	11.83	17.1	20.95	25.5	24.7	23.75	28.91	31.37	29.88	48.44	57.24
Enterprise Value Average	96	88	106	165	152	203	435	439	499	354	49	572	424	375	524
Enterprise Value High	104	92	115	195	179	255	468	474	540	444	112	608	477	536	624
Enterprise Value Low	92	83	97	153	145	177	409	396	454	284	-10	539	376	304	417

Shares Outstanding	8	8	8	9	9	10	11	11	11	10	10	11	10	10	10
Diluted Weighted Avg Shares	9	9	9	9	9	10	11	11	11	11	11	11	10	10	10
Basic Weighted Avg Shares	8	8	8	9	9	9	11	11	11	11	10	11	10	10	10
Revenue per Share	4.17	4.14	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
EBITDA per Share	0.13	0.17	0.15	0.16	0.06	0.08	0.12	0.18	0.15	0.18	0.15	0.26	0.23	0.26	0.28
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.12	0.32	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
Basic EPS from Cont Ops	0.32	0.52	0.62	0.74	1.03	1.4	1.22	2.04	2.18	2.21	3.47	3.66	3.89	4.13	5.78
Diluted EPS, GAAP	0.12	0.31	0.48	0.73	1.02	1.38	1.2	2.01	2.14	2.19	3.42	3.59	3.84	4.06	5.67
Diluted EPS from Cont Ops	0.3	0.5	0.6	0.73	1.02	1.38	1.2	2.01	2.14	2.19	3.42	3.59	3.84	4.06	5.67
Dividend per Share	0.13	0.13	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
Cash Flow per Share	2.03	1.62	1.38	1.36	0.32	0.93	1.37	3.6	3.06	2.08	3.13	4.06	4.6	4.78	4.48
Free Cash Flow per Basic Share	1.81	1.4	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
Cash & Equivalents per Share	13.2	13.77	12.7	10.35	8.15	6.66	7.2	6.22	7.87	6.38	28.96	20	28.07	27.35	21.78
Book Value per Share	6.56	6.82	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
Tangible Book Value per Share	6.51	6.79	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

Unity Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)