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0.86%
Unity bancorp, inc.
1.79%
Avg of Sector
-0.31%
S&P500

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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2026Q1 | ||||
| 2026Q2 | ||||
| 2026Q3 | ||||
| 2026Q4 | ||||
| 2027Q1 |
Unity Bancorp, Inc. operates as the holding company for Unity Bank that provides commercial and retail banking products and services to individuals, small and medium sized businesses, and professional communities. The company offers personal and business checking accounts, time deposits, money market accounts, and regular savings accounts, as well as noninterest and interest-bearing demand deposits. It also provides small business administration loans; commercial loans; and residential mortgage and consumer loans, including residential real estate, home equity lines and loans, and residential construction lines, as well as personal loans. the company offered its services through the Internet and nineteen branch offices located in Bergen, Hunterdon, Middlesex, Somerset, Union, and Warren counties in New Jersey, as well as Northampton County, Pennsylvania. Unity Bancorp, Inc. was incorporated in 1991 and is based in Clinton, New Jersey.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Unity bancorp, inc. (UNTY) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating UNTY's short-term business performance and financial health. For the latest updates on UNTY's earnings releases, visit this page regularly.
According to historical valuation range analysis, Unity bancorp, inc. (UNTY)'s current price-to-earnings (P/E) ratio is 8.36, placing it in the Watch zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, Unity bancorp, inc. (UNTY) reported an Operating Profit of 19.69M with an Operating Margin of 39.57% this period, representing a growth of 35.92% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Unity bancorp, inc. (UNTY) announced revenue of 49.77M, with a Year-Over-Year growth rate of 83.6%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
At the end of the period, Unity bancorp, inc. (UNTY) held Total Cash and Cash Equivalents of 216.52M, accounting for 0.07 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Unity bancorp, inc. (UNTY) achieved the “three margins increasing” benchmark, with a gross margin of 70.87%%, operating margin of 39.57%%, and net margin of 31.09%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess UNTY's profit trajectory and future growth potential.
According to the past four quarterly reports, Unity bancorp, inc. (UNTY)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 1.55. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Unity bancorp, inc. (UNTY)'s Free Cash Flow (FCF) for the period is 45.33M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 158.78% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Unity bancorp, inc. (UNTY) has a Price-To-Earnings (PE) ratio of 8.36 and a Price/Earnings-To-Growth (PEG) ratio of 1. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.