UNITY BANCORP INC

UNTYNASDAQ

🏆 #2354 by market capEarnings Oct 12US Equity

$60.61▲ $1.05 (+1.73%)

Market closed · at close

1h—

24h▲ 1.7%

7d▲ 0.7%

14d▲ 2.4%

30d▲ 5.5%

1y▲ 28.7%

🏦Market Cap

$609M

Small Cap

📈Revenue Growth (YoY)

+46.8%

High Growth

📊Gross Margin

—

💵FCF Margin

29.1%

Strong

⚖️P/S Ratio

2.6x

Cheap

Otter Score

Weak

Trading Snapshot

Day Range: $60.29 – $61.30
52-Week Range: $44.34 – $60.86
Volume: $3.47B
Avg Volume: $4.28B
Shares Outstanding: 10.0M
Next Earnings: Oct 7, 2026

Fundamentals Snapshot

Annual Revenue: $188M
Last Q Revenue: $49M
P/E Ratio: 10.2
P/S Ratio: 2.6x
EPS (TTM): $5.74
Dividend Yield: 0.97%

Why Investors Own UNTY

✓High-growth profile — revenue up +14.5% YoY with expanding US Equity exposure.
✓Healthy economics — 26% gross margin and 21% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$188M▲ +16.2% YoY

Gross Margin (TTM)

25.9%▲ +2.1% YoY

Operating Income (TTM)

$41M▲ +16.2% YoY

Free Cash Flow (TTM)

$40M▲ +16.2% YoY

About UNITY BANCORP INC

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.

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