Unity Bancorp, Inc. (UNTY)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 77 | 88 | 98 | 102 | 106 | 132 | 151 | - |
| Operating profit | $m | 76 | 77 | ||||||
| Net profit | $m | 24 | 36 | 38 | 40 | 41 | 58 | 59 | 61 |
| EPS reported | $ | 5.67 | 5.75 | ||||||
| Operating cashflow per share | $ | 4.48 | 2.85 | ||||||
| Capex per share | $ | 0.06 | 0.15 | ||||||
| FCF per share | $ | 4.42 | 2.70 | ||||||
| Free cash flow | $m | 44 | 27 | ||||||
| Net debt | $m | -74 | -43 | ||||||
| Book value equity | $m | 346 | 372 | ||||||
| Book value per share | $ | 33.81 | 36.42 | ||||||
| Number of shares | m | 10.22 | 10.21 | ||||||
| DPS (TTM paid) | $ | 0.58 | 0.64 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.12 | 9.75 | ||||||
| P/B LTM | x | 1.50 | 1.40 | ||||||
| P/S LTM | x | 3.94 | 3.43 | ||||||
| P/FCF LTM | x | 11.70 | 19.17 | ||||||
| EV/EBITDA LTM | x | 7.26 | 7.23 | ||||||
| EV/Sales LTM | x | 3.02 | 3.20 | ||||||
| Earnings Yield LTM | % | +10.96% | +10.26% | ||||||
| FCF Yield | % | +8.55% | +5.22% | ||||||
| Quality | |||||||||
| ROE | % | +16.77% | +16.64% | ||||||
| ROIC | % | +9.47% | +8.11% | ||||||
| Operating margin | % | +40.08% | +37.00% | ||||||
| Gross margin | % | +67.87% | +63.36% | ||||||
| FCF/Sales | % | +23.54% | +12.92% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +39.66% | +41.63% | ||||||
| Sales Growth YoY | % | +24.42% | +42.69% | ||||||
| Net Income Growth YoY | % | +39.81% | +41.44% | ||||||
| FCF Growth | % | -6.24% | -42.77% | ||||||
| Operating Profit Growth | % | +38.83% | +42.46% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.08% | +1.05% | ||||||
| Dividend Growth | % | +11.54% | +23.08% | ||||||
| Payout Ratio | % | +9.68% | +10.26% | ||||||
| FCF/Debt | x | 0.17 | 0.08 | ||||||
| Net Debt/EBITDA | x | 0.63 | 0.97 | ||||||
| EBIT/Net interest | x | 1.33 | 1.33 | ||||||
| Net debt/market cap | % | +51.28% | +54.95% | ||||||
| Net debt/Equity | x | -0.22 | -0.12 | ||||||
| Gross debt/equity | x | 0.77 | 0.88 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Unity Bancorp, Inc. (UNTY)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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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