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STOCKS

Unity Bancorp (UNTY)

NASDAQ:UNTY

UNTY

Unity Bancorp

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UNTY Statistics

Unity Bancorp (UNTY) Ratios

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134 Followers

Unity Bancorp Ratios

UNTY's free cash flow for Q4 2024 was $1.00. For the 2024 fiscal year, UNTY's free cash flow was decreased by $ and operating cash flow was $-0.03. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	74.49	6.04	185.96	714.10	284.39
Quick Ratio	74.49	6.04	371.48	2.70K	1.11K
Cash Ratio	11.87	0.99	28.51	201.96	76.33
Solvency Ratio	0.02	0.02	0.02	0.02	0.01
Operating Cash Flow Ratio	28.19	2.25	61.75	181.81	119.24
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -2.23B	$ -2.19B	$ -2.08B	$ -1.74B	$ -1.68B
Leverage Ratios
Debt-to-Assets Ratio	0.09	0.14	0.16	0.02	0.13
Debt-to-Equity Ratio	0.78	1.40	1.64	0.24	1.48
Debt-to-Capital Ratio	0.44	0.58	0.62	0.20	0.60
Long-Term Debt-to-Capital Ratio	0.44	0.06	0.62	0.20	0.55
Financial Leverage Ratio	8.98	9.86	10.22	9.89	11.41
Debt Service Coverage Ratio	-0.23	-0.27	3.88	4.87	1.76
Interest Coverage Ratio	2.70	1.09	5.84	6.22	2.15
Debt to Market Cap	0.53	0.05	1.37	0.18	1.12
Interest Debt Per Share	28.71	40.68	38.44	5.58	24.73
Net Debt to EBITDA	0.00	0.00	6.90	0.49	6.92
Profitability Margins
Gross Profit Margin	100.00%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	-1.66%	53.01%	52.67%	55.11%	41.51%
EBITDA Margin	0.00%	0.00%	55.49%	56.95%	44.06%
Operating Profit Margin	98.97%	53.01%	63.57%	55.11%	41.51%
Pretax Profit Margin	34.92%	53.01%	52.67%	55.11%	41.51%
Net Profit Margin	26.62%	39.72%	39.39%	41.36%	31.54%
Continuous Operations Profit Margin	26.62%	39.72%	39.39%	41.36%	31.54%
Net Income Per EBT	76.21%	74.93%	74.79%	75.04%	75.98%
EBT Per EBIT	35.29%	100.00%	82.85%	100.00%	100.00%
Return on Assets (ROA)	1.56%	1.54%	1.57%	1.78%	1.22%
Return on Equity (ROE)	14.02%	15.19%	16.08%	17.56%	13.97%
Return on Capital Employed (ROCE)	5.81%	2.07%	2.54%	2.37%	1.61%
Return on Invested Capital (ROIC)	73.65%	1.60%	28.71%	18.74%	15.49%
Return on Tangible Assets	1.56%	1.54%	1.57%	1.78%	1.23%
Earnings Yield	9.48%	13.15%	13.39%	13.23%	12.58%
Efficiency Ratios
Receivables Turnover	12.27	7.36	7.28	9.11	7.37
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	8.29	4.04	4.88	4.39	3.66
Asset Turnover	0.06	0.04	0.04	0.04	0.04
Working Capital Turnover Ratio	1.35	0.86	0.89	1.01	0.87
Cash Conversion Cycle	29.74	49.59	50.11	40.06	49.52
Days of Sales Outstanding	29.74	49.59	50.11	40.06	49.52
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	29.74	49.59	50.11	40.06	49.52
Cash Flow Ratios
Operating Cash Flow Per Share	4.78	4.60	4.06	2.25	3.15
Free Cash Flow Per Share	4.78	4.50	3.92	2.13	3.10
CapEx Per Share	0.00	0.09	0.14	0.12	0.05
Free Cash Flow to Operating Cash Flow	1.00	0.98	0.97	0.95	0.98
Dividend Paid and CapEx Coverage Ratio	9.56	8.26	7.29	4.80	8.75
Capital Expenditure Coverage Ratio	0.00	49.12	28.79	18.48	60.37
Operating Cash Flow Coverage Ratio	0.21	0.13	0.11	0.47	0.13
Operating Cash Flow to Sales Ratio	0.31	0.47	0.44	0.27	0.45
Free Cash Flow Yield	10.97%	15.22%	14.34%	8.12%	17.66%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.55	7.61	7.47	7.56	7.95
Price-to-Sales (P/S) Ratio	2.81	3.02	2.94	3.13	2.51
Price-to-Book (P/B) Ratio	1.48	1.16	1.20	1.33	1.11
Price-to-Free Cash Flow (P/FCF) Ratio	9.12	6.57	6.97	12.31	5.66
Price-to-Operating Cash Flow Ratio	9.12	6.44	6.73	11.64	5.57
Price-to-Earnings Growth (PEG) Ratio	1.71	1.21	1.36	0.13	5.78
Price-to-Fair Value	1.48	1.16	1.20	1.33	1.11
Enterprise Value Multiple	0.00	0.00	12.20	5.98	12.62
EV to EBITDA	0.00	0.00	12.20	5.98	12.62
EV to Sales	4.16	6.48	6.77	3.40	5.56
EV to Free Cash Flow	13.50	14.10	16.04	13.40	12.56
EV to Operating Cash Flow	13.50	13.82	15.49	12.68	12.35
Tangible Book Value Per Share	29.32	25.46	22.56	19.53	15.49
Shareholders’ Equity Per Share	29.47	25.61	22.77	19.78	15.80
Tax and Other Ratios
Effective Tax Rate	0.24	0.25	0.25	0.25	0.24
Revenue Per Share	15.53	9.79	9.29	8.40	7.00
Net Income Per Share	4.13	3.89	3.66	3.47	2.21
Tax Burden	0.76	0.75	0.75	0.75	0.76
Interest Burden	-21.08	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	0.20	0.32	0.30	0.30	0.33
Stock-Based Compensation to Revenue	0.01	0.02	0.02	0.02	0.02
Income Quality	1.16	1.18	1.11	0.65	1.43

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