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Unity Bancorp, Inc. UNTY

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Price alert · UNTY

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57.31 USD -0.79 -1.36%

At close · Oct 30

57.31 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
57.24 × 2
Ask
57.46 × 2
57.10 Day range 58.11
45.17 52-week range 61.82
YTD
+10.81%
1 year
+25.65%
Open
58.06
Prev close
58.10
Mkt cap
577.00M
Vol
30.30K
Avg vol
54.28K
EPS
6.04
P/E
9.49
Div yield
1.18%
More statistics
Low
57.10
High
58.11
Forward P/E
9.50
Beta
1.00
Short ratio
1.12
Inst. own
50.31%
Dividend
0.52
Ex-div date
Dec 12, 2024
Earnings
Jan 10, 2025
50-d avg
43.17
200-d avg
33.08
1y target
48.00

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Financial health

Altman Z-Score

-0.48 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 4
  • P/B 2

Valuation

P/E 8.9×
FY 2016: 11.2×FY 2017: 16.2×FY 2018: 10.2×FY 2019: 10.4×FY 2020: 7.9×FY 2021: 7.6×FY 2022: 7.5×FY 2023: 7.6×FY 2024: 10.6×FY 2025: 8.9×
FY 2016 5y median 7.6× FY 2025
P/S 2.8×
FY 2016: 2.7×FY 2017: 3.3×FY 2018: 2.9×FY 2019: 2.9×FY 2020: 2.1×FY 2021: 2.9×FY 2022: 2.7×FY 2023: 2.0×FY 2024: 2.7×FY 2025: 2.8×
FY 2016 5y median 2.7× FY 2025
P/B 1.5×
FY 2016: 1.4×FY 2017: 1.8×FY 2018: 1.6×FY 2019: 1.5×FY 2020: 1.1×FY 2021: 1.3×FY 2022: 1.2×FY 2023: 1.2×FY 2024: 1.5×FY 2025: 1.5×
FY 2016 5y median 1.3× FY 2025
P/FCF 11.7×
FY 2016: -183×FY 2017: 16.1×FY 2018: 6.0×FY 2019: 7.5×FY 2020: 8.6×FY 2021: 8.7×FY 2022: 7.0×FY 2023: 6.6×FY 2024: 9.2×FY 2025: 11.7×
FY 2016 5y median 8.7× FY 2025
EV/EBITDA 7.3×
FY 2016: 12.8×FY 2017: 19.9×FY 2018: 14.5×FY 2019: 16.2×FY 2020: 11.4×FY 2021: 1.7×FY 2022: 10.5×FY 2023: 8.6×FY 2024: 8.6×FY 2025: 7.3×
FY 2016 5y median 8.6× FY 2025
EV/Sales 3.0×
FY 2016: 4.9×FY 2017: 7.5×FY 2018: 5.5×FY 2019: 6.1×FY 2020: 4.2×FY 2021: 0.9×FY 2022: 5.3×FY 2023: 3.1×FY 2024: 3.0×FY 2025: 3.0×
FY 2016 5y median 3.0× FY 2025
FCF Yield 8.5%
FY 2016: -0.5%FY 2017: 6.2%FY 2018: 16.7%FY 2019: 13.3%FY 2020: 11.6%FY 2021: 11.5%FY 2022: 14.3%FY 2023: 15.2%FY 2024: 10.8%FY 2025: 8.5%
FY 2016 5y median 11.5% FY 2025

Profitability

Gross Margin 67.9%
FY 2016: 81.8%FY 2017: 82.4%FY 2018: 79.6%FY 2019: 76.0%FY 2020: 76.4%FY 2021: 91.7%FY 2022: 86.2%FY 2023: 65.7%FY 2024: 62.5%FY 2025: 67.9%
FY 2016 5y median 67.9% FY 2025
Operating Margin 40.1%
FY 2016: 37.2%FY 2017: 35.6%FY 2018: 35.7%FY 2019: 36.0%FY 2020: 34.2%FY 2021: 50.3%FY 2022: 47.5%FY 2023: 35.2%FY 2024: 33.4%FY 2025: 40.1%
FY 2016 5y median 40.1% FY 2025
Net Margin 30.8%
FY 2016: 24.0%FY 2017: 20.5%FY 2018: 28.7%FY 2019: 28.1%FY 2020: 26.0%FY 2021: 37.7%FY 2022: 35.5%FY 2023: 26.3%FY 2024: 25.4%FY 2025: 30.8%
FY 2016 5y median 30.8% FY 2025
ROE 16.8%
FY 2016: 12.4%FY 2017: 10.9%FY 2018: 15.8%FY 2019: 14.7%FY 2020: 13.6%FY 2021: 17.6%FY 2022: 16.1%FY 2023: 15.2%FY 2024: 14.0%FY 2025: 16.8%
FY 2016 5y median 16.1% FY 2025
ROIC 9.5%
FY 2016: 5.6%FY 2017: 3.2%FY 2018: 6.1%FY 2019: 5.2%FY 2020: 6.0%FY 2021: 13.8%FY 2022: 6.1%FY 2023: 6.3%FY 2024: 7.5%FY 2025: 9.5%
FY 2016 5y median 7.5% FY 2025
ROA 2.0%
FY 2016: 1.1%FY 2017: 0.9%FY 2018: 1.4%FY 2019: 1.4%FY 2020: 1.2%FY 2021: 1.8%FY 2022: 1.6%FY 2023: 1.5%FY 2024: 1.6%FY 2025: 2.0%
FY 2016 5y median 1.6% FY 2025

Growth (YoY)

Revenue 15.5%
FY 2016: 11.4%FY 2017: 14.4%FY 2018: 21.5%FY 2019: 10.0%FY 2020: 8.2%FY 2021: 5.2%FY 2022: 13.0%FY 2023: 39.2%FY 2024: 8.2%FY 2025: 15.5%
FY 2016 FY 2025
Operating Income 38.8%
FY 2016: 42.4%FY 2017: 9.6%FY 2018: 21.7%FY 2019: 11.0%FY 2020: 2.7%FY 2021: 54.7%FY 2022: 6.8%FY 2023: 3.1%FY 2024: 2.6%FY 2025: 38.8%
FY 2016 FY 2025
EPS (diluted) 39.7%
FY 2016: 35.3%FY 2017: -13.0%FY 2018: 67.5%FY 2019: 6.5%FY 2020: 2.3%FY 2021: 56.6%FY 2022: 4.7%FY 2023: 7.0%FY 2024: 5.7%FY 2025: 39.7%
FY 2016 FY 2025
Free Cash Flow -6.2%
FY 2016: -139.7%FY 2017: 1703.5%FY 2018: 186.6%FY 2019: -12.4%FY 2020: -33.0%FY 2021: 43.7%FY 2022: 31.7%FY 2023: 11.6%FY 2024: 2.9%FY 2025: -6.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.8×
FY 2016: 1.4×FY 2017: 2.4×FY 2018: 1.6×FY 2019: 1.8×FY 2020: 1.2×FY 2021: 0.3×FY 2022: 1.7×FY 2023: 1.4×FY 2024: 0.8×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
Net Debt / EBITDA 0.6×
FY 2016: 5.9×FY 2017: 11.1×FY 2018: 6.8×FY 2019: 8.5×FY 2020: 5.8×FY 2021: -3.8×FY 2022: 5.2×FY 2023: 3.1×FY 2024: 0.9×FY 2025: 0.6×
FY 2016 5y median 0.9× FY 2025
Interest Coverage 1.3×
FY 2016: 2.3×FY 2017: 2.4×FY 2018: 2.0×FY 2019: 1.7×FY 2020: 2.1×FY 2021: 6.2×FY 2022: 4.8×FY 2023: 1.1×FY 2024: 1.0×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025

Dividends

Dividend Yield 1.1%
FY 2016: 1.0%FY 2017: 1.1%FY 2018: 1.3%FY 2019: 1.3%FY 2020: 1.8%FY 2021: 1.3%FY 2022: 1.5%FY 2023: 1.6%FY 2024: 1.1%FY 2025: 1.1%
FY 2016 5y median 1.3% FY 2025
Payout Ratio 9.7%
FY 2016: 11.5%FY 2017: 18.5%FY 2018: 12.8%FY 2019: 13.8%FY 2020: 13.9%FY 2021: 10.0%FY 2022: 11.4%FY 2023: 11.9%FY 2024: 12.1%FY 2025: 9.7%
FY 2016 5y median 11.4% FY 2025

Annual · latest fiscal year ends 2025-12-31