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Unity Bancorp, Inc. logo

Unity Bancorp, Inc.

UNTY

NASDAQFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$59.44

+$0.33 · +0.56%

Aug 21, 4:00 PM ET

Pre-market

$59.8145

+$0.3745 · +0.63%

Aug 24, 4:04 AM ET

UNTY company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

95

Deep Value

Momentum

51

Neutral

Sentiment

63

Bullish

Risk resilience

73

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

As the parent entity of Unity Bank, Unity Bancorp, Inc. delivers a comprehensive range of commercial and retail banking solutions, catering to individual consumers, small and mid-sized enterprises, and professional organizations. Its product portfolio encompasses various deposit accounts, such as personal and business checking, certificates of deposit (time deposits), money market accounts, and traditional savings accounts, alongside both interest-earning and non-interest-bearing demand deposit options. Furthermore, the bank extends a variety of lending products, including Small Business Administration (SBA) loans, commercial financing, and consumer credit facilities, which feature residential mortgages, home equity lines of credit and loans, residential construction financing, and personal loans. Customers can access these services both online and through its network of nineteen physical branches, strategically situated across Bergen, Hunterdon, Middlesex, Somerset, Union, and Warren counties in New Jersey, and Northampton County in Pennsylvania. Established in 1991, Unity Bancorp, Inc. maintains its corporate headquarters in Clinton, New Jersey.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
James A. Hughes
Listed since
Jan 14, 1997
Employees
242

Market position

Day range

Current $59.44

52-week range

Current $59.44

Open
$59.98
Previous close
$59.11
Volume
75.24K
1.3× average
Average volume
57.93K
Average daily volume
Market cap
596.83M USD
Beta
0.63
Market reference 1
50-day average
$58.1358
+2.24% above average
200-day average
$54.011
+10.05% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
568.47M USD
EV / EBITDA
7.26×
Earnings yield
11.17%
Free cash flow yield
8.55%

Profitability & efficiency

Return on equity
16.77%
Return on assets
1.95%
Return on invested capital
9.47%

Financial health

Current ratio
0.16×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends98%72%45%19%Gross margin, FY2021: 91.73%Gross margin, FY2022: 86.23%Gross margin, FY2023: 65.72%Gross margin, FY2024: 62.55%Gross margin, FY2025: 67.87%Operating margin, FY2021: 50.25%Operating margin, FY2022: 47.50%Operating margin, FY2023: 35.16%Operating margin, FY2024: 33.35%Operating margin, FY2025: 40.08%Net margin, FY2021: 37.71%Net margin, FY2022: 35.52%Net margin, FY2023: 26.35%Net margin, FY2024: 25.42%Net margin, FY2025: 30.76%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 91.73%. Gross margin FY2022 86.23%. Gross margin FY2023 65.72%. Gross margin FY2024 62.55%. Gross margin FY2025 67.87%. Operating margin FY2021 50.25%. Operating margin FY2022 47.50%. Operating margin FY2023 35.16%. Operating margin FY2024 33.35%. Operating margin FY2025 40.08%. Net margin FY2021 37.71%. Net margin FY2022 35.52%. Net margin FY2023 26.35%. Net margin FY2024 25.42%. Net margin FY2025 30.76%.

Income trends

Revenue

188.41M USD+15.54%

Operating income

75.51M USD+38.83%

Net income

57.95M USD+39.81%
Income trends across reported periods203.64M USD142.72M USD81.81M USD20.89M USDRevenue, FY2021: 95.78M USDRevenue, FY2022: 108.27M USDRevenue, FY2023: 150.72M USDRevenue, FY2024: 163.07M USDRevenue, FY2025: 188.41M USDOperating income, FY2021: 48.13M USDOperating income, FY2022: 51.42M USDOperating income, FY2023: 53M USDOperating income, FY2024: 54.39M USDOperating income, FY2025: 75.51M USDNet income, FY2021: 36.12M USDNet income, FY2022: 38.46M USDNet income, FY2023: 39.71M USDNet income, FY2024: 41.45M USDNet income, FY2025: 57.95M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 95.78M USD. Revenue FY2022 108.27M USD. Revenue FY2023 150.72M USD. Revenue FY2024 163.07M USD. Revenue FY2025 188.41M USD. Operating income FY2021 48.13M USD. Operating income FY2022 51.42M USD. Operating income FY2023 53M USD. Operating income FY2024 54.39M USD. Operating income FY2025 75.51M USD. Net income FY2021 36.12M USD. Net income FY2022 38.46M USD. Net income FY2023 39.71M USD. Net income FY2024 41.45M USD. Net income FY2025 57.95M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue188.41M USD163.07M USD150.72M USD108.27M USD95.78M USD
Cost of goods sold60.54M USD61.08M USD51.67M USD14.91M USD7.92M USD
Gross profit127.87M USD101.99M USD99.05M USD93.36M USD87.86M USD
Selling, general, and administrative38.82M USD33.42M USD33.05M USD30.1M USD27.66M USD
Operating expenses52.36M USD47.6M USD46.06M USD41.94M USD39.73M USD
Interest income173.63M USD155.74M USD143.49M USD100.74M USD84.78M USD
Interest expense56.6M USD57.13M USD48.5M USD10.63M USD7.74M USD
Depreciation and amortization2.81M USD2.58M USD2.38M USD2.76M USD1.61M USD
Operating income75.51M USD54.39M USD53M USD51.42M USD48.13M USD
Net income57.95M USD41.45M USD39.71M USD38.46M USD36.12M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
89%
8 beats, 1 miss, 0 met estimates
Average EPS surprise
+2.41%
9 comparable reports
Latest EPS result
1.42
Estimate 1.44 · Miss by 1.39%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.561.391.231.06Q1 '25No estimateQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Mar 7, 2025: actual 1.13, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 11, 2025: actual 1.13, estimate 1.12, surprise +0.89%, Beat. Q3 2025, reported Aug 6, 2025: actual 1.2, estimate 1.17, surprise +2.56%, Beat. Q4 2025, reported Oct 14, 2025: actual 1.33, estimate 1.28, surprise +3.91%, Beat. Q1 2026, reported Jan 13, 2026: actual 1.41, estimate 1.35, surprise +4.44%, Beat. Q2 2026, reported Apr 13, 2026: actual 1.4, estimate 1.37, surprise +2.19%, Beat. Q3 2026, reported Jul 14, 2026: actual 1.42, estimate 1.44, surprise -1.39%, Miss. Q4 2026, reported Oct 13, 2026: actual —, estimate 1.5, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates50.49M42.8M35.1M27.41MQ1 '25No estimateQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Mar 7, 2025: actual 42M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 11, 2025: actual 29.35M USD, estimate 29.64M USD, surprise -0.98%, Miss. Q3 2025, reported Aug 6, 2025: actual 36.14M USD, estimate 30.3M USD, surprise +19.29%, Beat. Q4 2025, reported Oct 14, 2025: actual 48.55M USD, estimate 31.38M USD, surprise +54.72%, Beat. Q1 2026, reported Jan 13, 2026: actual 35.27M USD, estimate 33.28M USD, surprise +5.98%, Beat. Q2 2026, reported Apr 13, 2026: actual 33.61M USD, estimate 33.59M USD, surprise +0.05%, Beat. Q3 2026, reported Jul 14, 2026: actual 34.39M USD, estimate 34.62M USD, surprise -0.65%, Miss. Q4 2026, reported Oct 13, 2026: actual —, estimate 35.66M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$68.00

14.40% upside
Past 12 months12-month forecastHigh $68.00Average $68.00Low $68.00

Rating distribution

5 ratings
Strong buy00%
Buy5100%
Hold00%
Sell00%
Strong sell00%

UNTY news

globenewswire.com

Unity Bancorp Announces 6% Increase in Third Quarter Dividend

CLINTON, N.J., Aug. 20, 2026 (GLOBE NEWSWIRE) -- Unity Bancorp, Inc. (NASDAQ: UNTY), parent company of Unity Bank, announced that its Board of Directors has declared a cash dividend of $0.17 per common share. Such…

Read source
globenewswire.com

Unity Bancorp, Inc. Mourns the Passing of Director Robert ("Bobby") H. Dallas II

CLINTON, N.J., Aug. 07, 2026 (GLOBE NEWSWIRE) -- Unity Bancorp, Inc. (NASDAQ: UNTY), parent company of Unity Bank, today announced with profound sadness the passing of Robert ("Bobby") H. Dallas II. Mr. Dallas was a…

Read source
globenewswire.com

Unity Bank Named New Jersey Economic Development Authority Premier Lender

Partnership expands access to capital for small businesses across New Jersey Partnership expands access to capital for small businesses across New Jersey

Read source
seekingalpha.com

Unity Bancorp: A Resilient Regional Bank

Unity Bancorp, Inc. remains a quality Hold, with no compelling buy or sell catalyst as 2026 unfolds. Q2 showed strong loan and deposit growth, margin expansion to 4.56%, and resilient asset quality despite minor…

Read source
zacks.com

Compared to Estimates, Unity Bancorp (UNTY) Q2 Earnings: A Look at Key Metrics

Although the revenue and EPS for Unity Bancorp (UNTY) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and…

Read source
zacks.com

Unity Bancorp (UNTY) Misses Q2 Earnings and Revenue Estimates

Unity Bancorp (UNTY) came out with quarterly earnings of $1.42 per share, missing the Zacks Consensus Estimate of $1.44 per share. This compares to earnings of $1.2 per share a year ago.

Read source

Corporate actions

Corporate action history

Stock split

Effective Sep 13, 2016

11:10

Stock split

Effective Jun 11, 2008

21:20

Stock split

Effective Jun 13, 2007

21:20

Stock split

Effective Jun 14, 2006

21:20

Stock split

Effective Jun 13, 2005

21:20

Stock split

Effective Jun 14, 2004

21:20

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ETFs holding UNTY

Funds reporting this stock among their holdings, ordered by reported position size.

Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
14.21M
Weight
0.05%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
12.93M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
11.79M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
4.54M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
3.8M
Weight
0.03%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.67+0.67%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
2.46M
Weight
0.01%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
2.24M
Weight
0.02%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
Vanguard Dividend Appreciation ETF logoVanguard Dividend Appreciation ETFVIG
Market value
2.21M
Weight
0.00%
AUM
130.9B USD
Expense ratio
0.04%
Price / 1D
$243.91+0.69%

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