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Unity Bancorp (UNTY) Ratios
Unity Bancorp Ratios
UNTY's free cash flow for Q3 2026 was $0.00. For the 2026 fiscal year, UNTY's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.16 | 0.10 | 0.15 | 0.13 | 0.18 |
| Quick Ratio | 0.16 | 0.10 | 0.15 | 0.13 | 0.18 |
| Cash Ratio | 0.09 | 0.09 | 0.10 | 0.06 | 0.14 |
| Solvency Ratio | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -2.24B | $ -2.15B | $ -2.02B | $ -1.97B | $ -1.51B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.09 | 0.09 | 0.14 | 0.16 | 0.03 |
| Debt-to-Equity Ratio | 0.77 | 0.78 | 1.40 | 1.67 | 0.27 |
| Debt-to-Capital Ratio | 0.43 | 0.44 | 0.58 | 0.63 | 0.21 |
| Long-Term Debt-to-Capital Ratio | 0.43 | 0.44 | 0.58 | 0.62 | 0.20 |
| Financial Leverage Ratio | 8.58 | 8.98 | 9.86 | 10.22 | 9.89 |
| Debt Service Coverage Ratio | 1.07 | 0.77 | 0.87 | 3.88 | 4.87 |
| Interest Coverage Ratio | 1.33 | 0.95 | 1.09 | 4.84 | 6.22 |
| Debt to Market Cap | 0.51 | 0.53 | 1.21 | 1.37 | 0.18 |
| Interest Debt Per Share | 32.16 | 28.71 | 40.68 | 38.97 | 6.09 |
| Net Debt to EBITDA | 0.63 | 0.88 | 3.11 | 5.24 | -3.80 |
| Profitability Margins | |||||
| Gross Profit Margin | 67.87% | 62.55% | 65.72% | 86.23% | 91.73% |
| EBIT Margin | 40.08% | 33.35% | 35.16% | 47.50% | 50.25% |
| EBITDA Margin | 41.57% | 34.94% | 36.74% | 50.04% | 51.93% |
| Operating Profit Margin | 40.08% | 33.35% | 35.16% | 47.50% | 50.25% |
| Pretax Profit Margin | 40.08% | 33.35% | 35.16% | 47.50% | 50.25% |
| Net Profit Margin | 30.76% | 25.42% | 26.35% | 35.52% | 37.71% |
| Continuous Operations Profit Margin | 30.76% | 25.42% | 26.35% | 35.52% | 37.71% |
| Net Income Per EBT | 76.74% | 76.21% | 74.93% | 74.79% | 75.04% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.95% | 1.56% | 1.54% | 1.57% | 1.78% |
| Return on Equity (ROE) | 16.77% | 14.02% | 15.19% | 16.08% | 17.56% |
| Return on Capital Employed (ROCE) | 12.34% | 9.85% | 8.44% | 8.13% | 18.42% |
| Return on Invested Capital (ROIC) | 9.47% | 7.51% | 6.32% | 6.08% | 13.82% |
| Return on Tangible Assets | 1.95% | 1.56% | 1.54% | 1.57% | 1.78% |
| Earnings Yield | 11.17% | 9.48% | 13.15% | 13.39% | 13.23% |
| Efficiency Ratios | |||||
| Receivables Turnover | 14.61 | 12.85 | 11.10 | 8.08 | 9.99 |
| Payables Turnover | 0.00 | 35.88 | 26.85 | 21.57 | 61.41 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 10.45 | 8.68 | 7.70 | 5.41 | 3.81 |
| Asset Turnover | 0.06 | 0.06 | 0.06 | 0.04 | 0.05 |
| Working Capital Turnover Ratio | -0.10 | -0.09 | -0.09 | -0.07 | -0.07 |
| Cash Conversion Cycle | 24.98 | 18.24 | 19.30 | 28.26 | 30.59 |
| Days of Sales Outstanding | 24.98 | 28.41 | 32.89 | 45.19 | 36.53 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 10.17 | 13.59 | 16.92 | 5.94 |
| Operating Cycle | 24.98 | 28.41 | 32.89 | 45.19 | 36.53 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 4.48 | 4.78 | 4.60 | 4.06 | 3.13 |
| Free Cash Flow Per Share | 4.42 | 4.71 | 4.50 | 3.92 | 3.01 |
| Dividend Paid and CapEx Coverage Ratio | 7.27 | 8.40 | 8.26 | 7.29 | 6.68 |
| Capital Expenditure Coverage Ratio | 79.62 | 69.25 | 49.12 | 28.79 | 26.04 |
| Operating Cash Flow Coverage Ratio | 0.17 | 0.21 | 0.13 | 0.11 | 0.58 |
| Operating Cash Flow to Sales Ratio | 0.24 | 0.29 | 0.31 | 0.39 | 0.34 |
| Free Cash Flow Yield | 8.55% | 10.81% | 15.22% | 14.34% | 11.45% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 8.95 | 10.56 | 7.61 | 7.47 | 7.56 |
| Price-to-Sales (P/S) Ratio | 2.75 | 2.68 | 2.00 | 2.65 | 2.85 |
| Price-to-Book (P/B) Ratio | 1.50 | 1.48 | 1.16 | 1.20 | 1.33 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 11.70 | 9.25 | 6.57 | 6.97 | 8.73 |
| Price-to-Operating Cash Flow Ratio | 11.56 | 9.12 | 6.44 | 6.73 | 8.39 |
| Price-to-Earnings Growth (PEG) Ratio | 0.22 | 1.71 | 1.21 | 1.36 | 0.13 |
| Enterprise Value Multiple | 7.26 | 8.56 | 8.56 | 10.55 | 1.69 |
| Enterprise Value | 568.47M | 487.83M | 474.00M | 571.30M | 83.87M |
| EV to EBITDA | 7.26 | 8.56 | 8.56 | 10.55 | 1.69 |
| EV to Sales | 3.02 | 2.99 | 3.14 | 5.28 | 0.88 |
| EV to Free Cash Flow | 12.82 | 10.31 | 10.31 | 13.87 | 2.68 |
| EV to Operating Cash Flow | 12.66 | 10.17 | 10.10 | 13.39 | 2.58 |
| Tangible Book Value Per Share | 34.30 | 29.32 | 25.46 | 22.62 | 19.63 |
| Shareholders’ Equity Per Share | 34.45 | 29.47 | 25.61 | 22.77 | 19.78 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.23 | 0.24 | 0.25 | 0.25 | 0.25 |
| Revenue Per Share | 18.78 | 16.26 | 14.77 | 10.30 | 9.21 |
| Net Income Per Share | 5.78 | 4.13 | 3.89 | 3.66 | 3.47 |
| Tax Burden | 0.77 | 0.76 | 0.75 | 0.75 | 0.75 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.21 | 0.20 | 0.21 | 0.27 | 0.28 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 |
| Income Quality | 0.77 | 1.16 | 1.18 | 1.11 | 0.90 |
Currency in USD