UTB Stock Chart & Stats
€51.00
€0.00(0.00%)
At close: 4:00 PM EDT
€51.00
€0.00(0.00%)
Day’s Range― - ―
52-Week Range€38.40 - €54.00
Previous CloseN/A
Volume83.00
Average Volume (3M)3.00
Market Cap
€510.65M
Enterprise Value€580.27M
Total Cash (Recent Filing)€369.62M
Total Debt (Recent Filing)€326.43M
Price to Earnings (P/E)10.1
Beta0.49
Next Earnings
Jan 21, 2027EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)5.85
Shares Outstanding10,042,578
10 Day Avg. Volume0
30 Day Avg. Volume3
Financial Highlights & Ratios
PEG Ratio0.22
Price to Book (P/B)1.50
Price to Sales (P/S)2.75
P/FCF Ratio11.70
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€59.08Price Target Upside15.85% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)5.11
Revenue Forecast (FY)€122.12M
Bulls Say, Bears Say
Bulls Say
Strong Profitability And ReturnsSustained margins and high returns indicate strong earnings power for a regional bank. This profitability can support internal capital generation, resilience through changing credit conditions, and continued investment in customer and operating capabilities.
Reliable Cash GenerationPositive free cash flow that closely tracks reported earnings suggests profits are converting into usable financial resources. That supports capital retention, shareholder distributions, and flexibility to fund ongoing banking operations over the next several quarters.
Improved Balance-sheet PositionLower leverage than in 2022–2023 and a growing equity base strengthen the bank’s financial foundation. Greater capitalization can improve resilience against credit losses and funding pressure while supporting measured balance-sheet growth.
Bears Say
Sharp Revenue DeclineThe unusually steep top-line decline creates uncertainty around the durability of recent earnings and operating scale. Even with healthy margins, weaker revenue can reduce flexibility, increase earnings volatility, and constrain growth if the trend persists.
Reduced Financial FlexibilityAlthough leverage has improved from earlier periods, rising debt and limited operating-cash-flow coverage leave less cushion if credit quality or funding conditions weaken. This could restrict lending expansion or increase reliance on balance-sheet management.
Founding Governance TransitionThe loss of a founding director removes a long-tenured source of institutional knowledge and cultural continuity. Management’s ability to preserve governance standards, customer relationships, and the franchise’s community-bank identity will remain important.
Unity Bancorp News
UTB FAQ
What was Unity Bancorp’s price range in the past 12 months?
Unity Bancorp lowest stock price was €38.40 and its highest was €54.00 in the past 12 months.
What is Unity Bancorp’s market cap?
Unity Bancorp’s market cap is €510.65M.
When is Unity Bancorp’s upcoming earnings report date?
Unity Bancorp’s upcoming earnings report date is Jan 21, 2027 which is in 148 days.
How were Unity Bancorp’s earnings last quarter?
Unity Bancorp released its earnings results on Jul 14, 2026. The company reported €1.247 earnings per share for the quarter, missing the consensus estimate of €1.257 by -€0.011.
Is Unity Bancorp overvalued?
According to Wall Street analysts Unity Bancorp’s price is currently Undervalued.
Does Unity Bancorp pay dividends?
Unity Bancorp does not currently pay dividends.
What is Unity Bancorp’s EPS estimate?
Unity Bancorp’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Unity Bancorp have?
Unity Bancorp has 10,042,578 shares outstanding.
What happened to Unity Bancorp’s price movement after its last earnings report?
Unity Bancorp reported an EPS of €1.247 in its last earnings report, missing expectations of €1.257. Following the earnings report the stock price went down -1.24%.
Which hedge fund is a major shareholder of Unity Bancorp?
Currently, no hedge funds are holding shares in DE:UTB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Unity Bancorp Stock Smart Score
Neutral
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10
Analyst Consensus
Strong Buy
Average Price Target:
€59.08 (15.85% Upside)
€59.08 (15.85% Upside)
Blogger Sentiment
Bullish
DE:UTB Sentiment 60%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth €75.7K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
12.64%
12-Months-Change
Fundamentals
Return on Equity
1.05%
Trailing 12-Months
Asset Growth
9.08%
Trailing 12-Months
Company Description
Unity Bancorp
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.
UTB Stock 12 Month Forecast
Average Price Target
€59.08
▲(15.85% Upside)
Technical Analysis
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