Unity Bancorp, Inc.
UNTY
NASDAQ·Financial Services·Banks - Regional·Mkt cap $580.4M
$57.80
▼ -0.40%
P/E
10.02
Mkt Cap
$580.4M
52-Wk Range
$44.34–$62.50
52-Week Range
$44.34 - $62.50
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 10.7% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Regional market expertise and deep community relationships across 6 New Jersey counties and Northampton County, Pennsylvania
- Specialized focus on small and medium-sized businesses with personalized service versus larger national competitors
- Diversified loan portfolio reducing concentration risk across commercial, residential, SBA, and consumer segments
- Established 30+ year operating history and local brand recognition in core Northeast markets
- Omnichannel banking delivery combining 19 physical branches with digital banking capabilities
Bear Case
1 risk
- Low volatility (beta 0.6).
Growth
Revenue decline expected
Steady revenue growth (16% YoY)
Value
Trading at 0.9x Commercial Banking peers — a discount despite the growth profile.
Momentum
Strong
+5.6% over 3m
Quality
Excellent
High-growth business (69% revenue growth, 63% gross margin). Profitable with strong growth momentum.
Dividend
Modest
1.07% yield
Smart-money signal
Who's buying UNTY right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 13, 2026
JUL 14, 2026
Reported EPS of $1.42 vs $1.44 consensus (-1.4% surprise). Revenue of $34.4M vs $34.6M expected (-0.7%).
EPS surprise · last 4Q
0 of 1 beats
Estimate
Actual
Q3 26
-1.4%
Revenue trend · last 8Q
—
—
+15%
+44%
+77%
+25%
+64%
-13%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$27.4M
$28.2M
$29.4M
$36.1M
$63.1M
$49.8M
$48.1M
$43.8M
Margins · last 8Q
Gross
-74.4%
Operating
-44.0%
Profit
33.1%
Wall Street consensus
1 analyst · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Piper Sandler · Jun 26, 2026
vs Industry
How UNTY stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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