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UNITY BANCORP INC

UNTYNASDAQ
πŸ† #2765 by market capEarnings Jan 11US Equity
$57.92β–Ό $0.03 (βˆ’0.05%)
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24hβ–Ό 0.1%
7dβ–Ό 0.3%
14dβ–² 3.2%
30dβ–² 5.3%
ytdβ–² 12.5%
1yβ–² 22.0%
🏦Market Cap
$583M
Small Cap
πŸ“ˆRevenue Growth (YoY)
46.8%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
29.6%
Strong
βš–οΈP/S Ratio
2.6x
Cheap
Otter Score
β€”
Insufficient data

Trading Snapshot

Day Range
$57.92 – $58.36
52-Week Range
$44.34 – $62.50
Volume (shares)
669
Avg Volume (shares)
β€”
Shares Outstanding
10.1M
Next Earnings
2027-01-11

Fundamentals Snapshot

Annual Revenue
$188M
Last Q Revenue
$52M
P/E Ratio
9.8
P/S Ratio
2.6x
EPS (TTM)
$5.74
Dividend Yield
1.04%
Dilution (1yr)
βˆ’0.1%
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UNITY BANCORP INC

UNTY
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$188Mβ–² +15.5% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
67.9%β–² +8.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$76Mβ–² +38.8% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$44Mβ–Ό βˆ’6.2% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
10.2Mβ–Ό βˆ’0.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$50Mβ–² +$811K YoY
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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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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)

Insufficient data for all five components.

πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Insufficient data
β€”/100

Analyst Ratings

β“˜
Consensus
Buy
11 analysts
Strong Buy2
Buy8
Hold1
Sell0
Strong Sell0
Ratings as of Oct 2026

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