UNTY

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Unity Bancorp, Inc.

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Key Metrics

Previous Close: $55.34
52-Week Range: $44.34 – $62.50
Market Cap: $554.75M
P/E (TTM): 9.61
EPS (TTM): 5.75
Dividend Yield: 1.23%

Advanced Metrics

Price/Book: 1.49
PEG Ratio: 0.99
Return on Equity: 16.95%
Return on Assets: 1.92%
Gross Margin: 0.00%
Operating Margin: 58.17%
Profit Margin: 44.95%
Current Ratio: —
Debt/Equity: —
Total Debt: $330.72M
Free Cash Flow: —
Revenue Growth: -5.70%
Earnings Growth: -11.80%
Enterprise Value: $635.80M

UNTY Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$97.64M	$100.94M	$104.40M	$133.75M
Selling, General & Admin	$30.10M	$33.05M	$33.42M	$36.34M
Pretax Income	$51.42M	$52.99M	$54.39M	$75.51M
Income Tax	$12.96M	$13.29M	$12.94M	$17.56M
Net Income	$38.46M	$39.71M	$41.45M	$57.95M
Diluted EPS	3.59	3.84	4.06	5.67
Diluted Shares	10.71M	10.34M	10.20M	10.22M

UNTY Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$114.79M	$194.78M	$180.44M	$216.52M
Receivables	$13.40M	$13.58M	$12.69M	$12.90M
Total Assets	$2.44B	$2.58B	$2.65B	$2.97B
Long-Term Debt	$393.31M	$366.75M	$230.81M	$266.08M
Total Debt	$393.31M	$366.75M	$230.81M	$266.08M
Total Liabilities	$2.21B	$2.32B	$2.36B	$2.62B
Retained Earnings	$156.96M	$191.11M	$227.33M	$243.94M
Shareholders' Equity	$239.23M	$261.43M	$295.58M	$345.63M
Net Debt	$278.52M	$171.97M	$50.38M	$49.56M

UNTY Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$42.67M	$46.91M	$47.99M	$44.91M
Capital Expenditure	-$1.48M	-$955.00K	-$693.00K	-$564.00K
Free Cash Flow	$41.19M	$45.95M	$47.29M	$44.34M
Depreciation & Amortisation	$2.76M	$2.38M	$2.57M	$2.81M
Stock-Based Compensation	$1.68M	$1.75M	$1.82M	$2.09M
Investing Cash Flow	-$541.28M	-$57.85M	-$92.81M	-$256.84M
Financing Cash Flow	$368.59M	$90.92M	$30.49M	$248.01M
Dividends Paid	-$4.37M	-$4.72M	-$5.02M	-$5.61M
Share Repurchases	-$42.00K	-$15.69M	-$6.21M	-$5.04M
Net Change in Cash	-$130.03M	$79.98M	-$14.34M	$36.08M

UNTY Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$36.14M	$33.46M	$34.84M	$33.61M	$33.35M
Selling, General & Admin	$9.19M	$9.47M	$8.64M	$9.63M	$9.68M
Pretax Income	$21.53M	$18.87M	$19.69M	$18.49M	$18.65M
Income Tax	$5.04M	$4.48M	$4.22M	$4.20M	$4.18M
Net Income	$16.49M	$14.39M	$15.47M	$14.29M	$14.47M
Diluted EPS	1.61	1.41	1.52	1.40	1.42
Diluted Shares	10.21M	10.23M	10.20M	10.20M	10.22M

UNTY Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$293.73M	$203.49M	$216.52M	$229.16M	$250.32M
Receivables	$12.41M	$13.29M	$12.90M	$13.26M	$12.99M
Total Assets	$2.93B	$2.88B	$2.97B	$3.03B	$3.19B
Long-Term Debt	$387.42M	$242.02M	$266.08M	$258.58M	$326.43M
Total Debt	$387.42M	$242.02M	$266.08M	$258.58M	$326.43M
Total Liabilities	$2.61B	$2.54B	$2.62B	$2.67B	$2.82B
Retained Earnings	$252.61M	$265.49M	$243.94M	$256.62M	$269.49M
Shareholders' Equity	$319.84M	$334.02M	$345.63M	$358.10M	$371.81M
Net Debt	$93.68M	$38.53M	$49.56M	$29.42M	$76.11M

UNTY Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	-$24.42M	$44.64M	$6.83M	$14.92M	-$38.75M
Capital Expenditure	-$187.00K	-$214.00K	—	-$425.00K	-$94.00K
Free Cash Flow	-$24.60M	$44.42M	$6.95M	$14.50M	-$38.84M
Depreciation & Amortisation	$294.00K	$729.00K	$1.10M	$296.00K	$619.00K
Stock-Based Compensation	$536.00K	$536.00K	$527.00K	$556.00K	$580.00K
Investing Cash Flow	-$35.99M	-$68.21M	-$69.87M	-$47.52M	-$89.83M
Financing Cash Flow	$142.54M	-$66.67M	$76.08M	$45.24M	$149.74M
Dividends Paid	-$1.35M	-$1.45M	-$1.46M	-$1.54M	-$1.58M
Share Repurchases	-$1.94M	$0.00	-$3.10M	-$324.00K	$0.00
Net Change in Cash	$82.14M	-$90.25M	$13.03M	$12.64M	$21.16M

Market Snapshot

About

Unity Bancorp is a bank holding company operating through its subsidiary Unity Bank. The company provides commercial and retail banking services to small and medium-sized businesses, professionals, and individuals in New Jersey. Unity Bank focuses on relationship banking with a community-oriented approach.