/UNTY
UNTY Stock - Unity Bancorp, Inc.
Financial Services|Banks - RegionalNASDAQ
$54.72-2.89%
$1.63 (-2.89%) • Dec 19
76
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.BUY
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.88
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).73
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.94
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+11.5%upside
Target: $61.01
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ENTRY ZONE$54.17 – $55.27
TARGET (TP)$61.00
STOP LOSS$50.34
RISK/REWARD1:1.4
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta0.65
52W High$57.24
52W Low$36.65
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $163.07M | $150.72M | $108.27M | $95.78M | $91.02M |
| Gross Profit | $101.99M | $99.05M | $93.36M | $87.86M | $69.54M |
| Gross Margin | 62.5% | 65.7% | 86.2% | 91.7% | 76.4% |
| Operating Income | $54.39M | $52.99M | $51.42M | $48.13M | $31.12M |
| Net Income | $41.45M | $39.71M | $38.46M | $36.12M | $23.64M |
| Net Margin | 25.4% | 26.3% | 35.5% | 37.7% | 26.0% |
| EPS | $4.13 | $3.89 | $3.66 | $3.47 | $2.21 |
Company Overview
Unity Bancorp, Inc. operates as the holding company for Unity Bank that provides commercial and retail banking products and services to individuals, small and medium sized businesses, and professional communities. The company offers personal and business checking accounts, time deposits, money market accounts, and regular savings accounts, as well as noninterest and interest-bearing demand deposits. It also provides small business administration loans; commercial loans; and residential mortgage and consumer loans, including residential real estate, home equity lines and loans, and residential construction lines, as well as personal loans. the company offered its services through the Internet and nineteen branch offices located in Bergen, Hunterdon, Middlesex, Somerset, Union, and Warren counties in New Jersey, as well as Northampton County, Pennsylvania. Unity Bancorp, Inc. was incorporated in 1991 and is based in Clinton, New Jersey.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
1
100%
Hold / Neutral
0%
Sell / Underperform
0%
Analyst Consensus🟢 Bullish
1 Bullish0 Neutral/Bearish
Price Targets
$33
Average Target
↓ 40.6% Downside
Now
$32
Low
$33
Average
$33
High
Based on 2 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| December 15th 2022 | Janney | Initiation | Buy | $32 |
| April 7th 2022 | Piper Sandler | Initiation | Overweight | $33 |
Earnings History & Surprises
UNTYBeat Rate
93%
Last 15 quarters
Avg Surprise
+3.9%
EPS vs Estimate
Beats / Misses
14/1
Last 12 quarters
Latest EPS
$1.33
Q4 2025
EPS Surprise History
Q1 24
No data
Q2 24
+3.3%
$0.93vs$0.90
Q3 24
+1.1%
$0.93vs$0.92
Q1 25
+4.6%
$1.13vs$1.08
Q1 25
No data
Q2 25
+0.9%
$1.13vs$1.12
Q3 25
+2.6%
$1.20vs$1.17
Q4 25
+3.9%
$1.33vs$1.28
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 9, 2026 | — | — | — | — |
Q1 2026 | Jan 21, 2026 | $1.35 | — | — | — |
Q4 2025 | Oct 14, 2025 | $1.28 | $1.33 | +3.9% | ✓ BEAT |
Q3 2025 | Aug 6, 2025 | $1.17 | $1.20 | +2.6% | ✓ BEAT |
Q2 2025 | Apr 11, 2025 | $1.12 | $1.13 | +0.9% | ✓ BEAT |
Q1 2025 | Mar 7, 2025 | — | $1.13 | — | — |
Q1 2025 | Jan 15, 2025 | $1.08 | $1.13 | +4.6% | ✓ BEAT |
Q3 2024 | Jul 12, 2024 | $0.92 | $0.93 | +1.1% | ✓ BEAT |
Q2 2024 | Apr 12, 2024 | $0.90 | $0.93 | +3.3% | ✓ BEAT |
Q1 2024 | Mar 7, 2024 | — | $0.96 | — | — |
Q1 2024 | Jan 12, 2024 | $0.86 | $0.96 | +11.6% | ✓ BEAT |
Q3 2023 | Jul 14, 2023 | $0.91 | $0.95 | +4.4% | ✓ BEAT |
Q2 2023 | Apr 17, 2023 | $0.91 | $0.96 | +5.5% | ✓ BEAT |
Q1 2023 | Jan 30, 2023 | $0.98 | $0.93 | -5.1% | ✗ MISS |
Q1 2023 | Jan 13, 2023 | $0.92 | $0.93 | +1.1% | ✓ BEAT |
Q3 2022 | Jul 14, 2022 | $0.86 | $0.88 | +2.3% | ✓ BEAT |
Q2 2022 | Apr 14, 2022 | $0.81 | $0.85 | +4.9% | ✓ BEAT |
Q1 2022 | Mar 11, 2022 | — | $0.92 | — | — |
Q4 2021 | Oct 15, 2021 | $0.81 | $0.90 | +11.1% | ✓ BEAT |
Q3 2021 | Jul 14, 2021 | $0.75 | $0.80 | +6.7% | ✓ BEAT |
Latest News
Unity Bancorp Promotes CFO George Boyan To President, Effective Jan. 1, 2026, James Davies Named CFO
📈 PositiveBenzinga•Nov 20, 2025, 09:25 PM
Piper Sandler Maintains Overweight on Unity Bancorp, Raises Price Target to $61
📈 PositiveBenzinga•Oct 15, 2025, 01:54 PM
Unity Bancorp Q3 Adj. EPS $1.33 Beats $1.29 Estimate, Sales $32.823M Beat $31.354M Estimate
📈 PositiveBenzinga•Oct 14, 2025, 10:18 AM
Unity Bancorp Q3 Adj. EPS $1.33 Beats $1.29 Estimate
📈 PositiveBenzinga•Oct 14, 2025, 10:03 AM
Unity Bancorp Increases Quarterly Dividend From $0.14/Share To $0.15/Share
📈 PositiveBenzinga•Aug 21, 2025, 08:01 PM
Frequently Asked Questions about UNTY
What is UNTY's current stock price?
Unity Bancorp, Inc. (UNTY) is currently trading at $54.72 per share. The stock has moved -2.89% today.
What is the analyst price target for UNTY?
The average analyst price target for UNTY is $61.00, based on 1 analyst.
What sector is Unity Bancorp, Inc. in?
Unity Bancorp, Inc. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NASDAQ exchange.
What is UNTY's market cap?
Unity Bancorp, Inc. has a market capitalization of $0.55 billion, making it a small-cap company.
Does UNTY pay dividends?
No, Unity Bancorp, Inc. does not currently pay a dividend to shareholders.
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