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UNTY Stock Chart & Stats
$58.78
$0.06(0.11%)
At close: 4:00 PM EDT
$58.78
$0.06(0.11%)
Day’s Range― - ―
52-Week Range$44.34 - $62.50
Previous Close$58.11
Volume53.67K
Average Volume (3M)55.71K
Market Cap
$547.62M
Enterprise Value$790.75M
Total Cash (Recent Filing)$369.62M
Total Debt (Recent Filing)$326.43M
Price to Earnings (P/E)9.1
Beta0.88
Next Earnings
Jan 21, 2027EPS Estimate
1.54Next Dividend Ex-DateN/A
Dividend Yield1.14%
Share Statistics
EPS (TTM)5.85
Shares Outstanding10,042,578
10 Day Avg. Volume52,235
30 Day Avg. Volume55,712
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 Cap1.44
Enterprise Value/Revenue3.78
Enterprise Value/Gross Profit5.96
Enterprise Value/Ebitda9.99
Forecast
1Y Price Target
$68.00Price Target Upside15.69% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)5.85
Revenue Forecast (FY)$140.22M
Bulls Say, Bears Say
Bulls Say
Strong ProfitabilityHigh net and EBIT margins, together with consistently strong returns on equity, indicate substantial earnings power for a regional bank. If these profitability levels remain durable, Unity can build capital internally, support lending growth, and withstand ordinary shifts in funding or credit conditions.
Reliable Cash GenerationPositive free cash flow that broadly tracks net income suggests reported profits are converting into cash rather than depending solely on accounting gains. This supports internal funding, dividend capacity, and balance-sheet resilience while giving management flexibility to pursue ongoing community-banking growth.
Improved Balance-sheet PositionLower leverage than in 2022–2023 and a steadily expanded equity base point to a stronger financial foundation than the earlier period. A better-capitalized franchise is more capable of supporting loan growth and absorbing normal operating stress without relying as heavily on additional debt.
Bears Say
Sharp TTM Revenue DeclineThe steep reported top-line contraction creates a material earnings-stability concern even though margins remain healthy. If revenue does not normalize, weaker operating scale could reduce future profitability, constrain reinvestment, and make recent earnings power less dependable over the next several quarters.
Leverage Has Recently IncreasedAlthough leverage is below the 2022–2023 peak, its recent increase reduces financial flexibility compared with the 2021 position. Higher debt can increase funding obligations and leave less room to absorb weaker operating conditions or pursue growth if earnings become more volatile.
Limited Operating-cash-flow CushionOperating cash flow that is small relative to the asset base indicates limited cash-flow coverage of the bank’s broad balance-sheet scale. While this can occur in banking, it still leaves less measured cushion if cash generation becomes volatile or funding and credit conditions weaken.
Unity Bancorp News
UNTY FAQ
What was Unity Bancorp’s price range in the past 12 months?
Unity Bancorp lowest stock price was $44.34 and its highest was $62.50 in the past 12 months.
What is Unity Bancorp’s market cap?
Unity Bancorp’s market cap is $547.62M.
When is Unity Bancorp’s upcoming earnings report date?
Unity Bancorp’s upcoming earnings report date is Jan 21, 2027 which is in 97 days.
How were Unity Bancorp’s earnings last quarter?
Unity Bancorp released its earnings results on Oct 13, 2026. The company reported $1.51 earnings per share for the quarter, beating the consensus estimate of $1.49 by $0.02.
Is Unity Bancorp overvalued?
According to Wall Street analysts Unity Bancorp’s price is currently Undervalued.
Does Unity Bancorp pay dividends?
Unity Bancorp pays a Quarterly dividend of $0.17 which represents an annual dividend yield of 1.14%. See more information on Unity Bancorp dividends here
What is Unity Bancorp’s EPS estimate?
Unity Bancorp’s EPS estimate is 1.54.
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 $1.51 in its last earnings report, beating expectations of $1.49. Following the earnings report the stock price went up 0.036%.
Which hedge fund is a major shareholder of Unity Bancorp?
Currently, no hedge funds are holding shares in UNTY
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$68.00 (15.69% Upside)
$68.00 (15.69% Upside)
Blogger Sentiment
Neutral
UNTY Sentiment 57%
Sector Average 63%
Sector Average 63%
Hedge Fund Trend
Increased
By 2.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $434.7K 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
11.90%
12-Months-Change
Fundamentals
Return on Equity
16.83%
Trailing 12-Months
Asset Growth
13.01%
Trailing 12-Months
Learn more about TipRanks Smart Score
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.
UNTY Stock 12 Month Forecast
Average Price Target
$68.00
▲(15.69% Upside)
Technical Analysis
BCB Bancorp
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Parke Bancorp
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Peapack-Gladstone Financial
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First Bank
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Bank of Princeton
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Ownership Overview
45.27% Insiders
11.24% Mutual Funds
12.47% Other Institutional Investors
15.03% Public Companies and
Individual Investors