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Ticker
UNTY

Price
39.39
Stock movement down
-0.14 (-0.35%)
Company name
Unity Bancorp Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
393.35M
Ent value
2.55B
Price/Sales
3.34
Price/Book
1.38
Div yield
1.42%
Div growth
12.20%
Growth years
8
FCF payout
10.00%
Trailing P/E
9.90
Forward P/E
8.64
PEG
-
EPS growth
13.85%
1 year return
49.54%
3 year return
13.07%
5 year return
31.89%
10 year return
17.08%
Last updated: 2025-04-12
Unity Bancorp: No Tariff Impact On Loan Demand
April 11, 2025

iO Charts is a Seeking Alpha partner

Unity Bancorp GAAP EPS of $1.13 in-line
April 11, 2025

iO Charts is a Seeking Alpha partner

DIVIDENDS

Dividend yield - 5y

Dividend yield data
Dividend per share0.56
Dividend yield1.42%
Payout frequencyQuarterly
Maximum yield3.05%
Average yield1.74%
Minimum yield1.02%
Discount to avg yield-22.62%
Upside potential-18.44%
Yield as % of max yield46.61%

Yield distribution (inverse percentile) - 5y

Yield distribution data
Dividend yield1.42%
Current yield distribution87.62%
Yield at 100% (Min)1.02%
Yield at 90%1.36%
Yield at 80%1.52%
Yield at 50% (Median)1.66%
Yield at 20%2.02%
Yield at 10%2.23%
Yield at 0% (Max)3.05%

Dividend per share

Dividend per share data
Years of growth8 years
CCC statusDividend Challenger
Dividend per share0.56
Payout frequencyQuarterly
Ex-div date14 Mar 2025
EPS (TTM)3.91
EPS (1y forward)4.56
EPS growth (5y)13.85%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
UNTYS&P500
DGR MR7.69%-13.74%
DGR TTM10.42%6.60%
DGR 3 years14.47%5.24%
DGR 5 years12.20%5.40%
DGR 10 years33.20%7.07%
DGR 15 years8.98%6.12%
Time since last change announced47 days
EPS growth (5y)13.85%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM12.41%10.00%
Average15.24%14.44%
Forward12.28%-
Unity Bancorp raises dividend by 7.7%
February 27, 2025

iO Charts is a Seeking Alpha partner

Unity Bancorp: Solid Start To Regional Bank Earnings
January 15, 2025

iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

Valuation Ratios data
Trailing P/E9.90
Price to OCF7.89
Price to FCF7.98
Price to EBITDA9.30
EV to EBITDA60.30

Valuation (Sales/Book Value)

Valuation (Sales/Book Value) data
Price to Sales3.34
Price to Book1.38
EV to Sales21.63
Unity Bancorp Q4 GAAP EPS of $1.13
January 15, 2025

iO Charts is a Seeking Alpha partner

Unity Bancorp declares $0.13 dividend
November 21, 2024

iO Charts is a Seeking Alpha partner

FINANCIALS

Per share

Per share data
Current share count9.99M
EPS (TTM)3.91
FCF per share (TTM)4.86

Income statement

Income statement data
Revenue (TTM)117.90M
Gross profit (TTM)117.90M
Operating income (TTM)79.27M
Net income (TTM)39.72M
EPS (TTM)3.91
EPS (1y forward)4.56

Margins

Margins data
Gross margin (TTM)100.00%
Operating margin (TTM)67.23%
Profit margin (TTM)33.68%

Balance Sheet

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Balance Sheet data
Cash194.50M
Net receivables12.91M
Total current assets499.57M
Goodwill1.52M
Intangible assets0.00
Property, plant and equipment0.00
Total assets2.64B
Accounts payable1.76M
Short/Current long term debt277.11M
Total current liabilities751.00M
Total liabilities2.35B
Shareholder's equity284.26M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)49.87M
Capital expenditures (TTM)591.00K
Free cash flow (TTM)49.28M
Dividends paid (TTM)4.93M

Financial returns

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Financial returns data
Return on Equity13.97%
Return on Assets1.51%
Return on Invested Capital7.07%
Cash Return on Invested Capital8.78%
Unity Bancorp GAAP EPS of $1.07 beats by $0.12
October 11, 2024

iO Charts is a Seeking Alpha partner

Unity Bancorp declares $0.13 dividend
August 15, 2024

iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

Stock price data
Open38.20
Daily high39.72
Daily low38.04
Daily Volume43K
All-time high50.85
1y analyst estimate45.00
Beta1.00
EPS (TTM)3.91
Dividend per share0.56
Ex-div date14 Mar 2025
Next earnings date10 Jul 2025

Downside potential

Downside potential data
UNTYS&P500
Current price drop from All-time high-22.54%-12.89%
Highest price drop-88.49%-56.47%
Date of highest drop29 Dec 20009 Mar 2009
Avg drop from high-34.72%-11.07%
Avg time to new high47 days12 days
Max time to new high2348 days1805 days
Unity Bancorp announces share repurchase program up to 0.5M shares
August 1, 2024

iO Charts is a Seeking Alpha partner

Unity Bancorp GAAP EPS of $0.93
July 12, 2024

iO Charts is a Seeking Alpha partner

COMPANY DETAILS
UNTY (Unity Bancorp Inc) company logo
Marketcap
393.35M
Marketcap category
Small-cap
Description
Unity Bancorp, Inc. operates as a bank holding company for Unity Bank that provides range of commercial and retail banking services to individuals, small and medium sized businesses, and professional communities. It offers personal and business checking accounts, time deposits, money market accounts, savings accounts, and retirement accounts, as well as noninterest and interest-bearing demand deposits. The company 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. In addition, it offers credit and debit cards, wire transfer, safe deposit box, automated teller, and internet and mobile banking services; and automated clearing house origination and remote deposit capture services. Unity Bancorp, Inc. was incorporated in 1991 and is headquartered in Clinton, New Jersey.
Employees
222
Website
https://www.unitybank.com
Investor relations
SEC filings
UNTY SEC filings
CEO
James A. Hughes
Country
USA
City
Clinton
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
Unity Bancorp declares $0.13 dividend
May 16, 2024

iO Charts is a Seeking Alpha partner

Unity Bancorp: Respectable Quarter To Kick Off Regional Bank Earnings Season
April 12, 2024

iO Charts is a Seeking Alpha partner

UNDERSTAND THE BUSINESS
COMPANY NEWS
Seeking AlphaPress releases
Unity Bancorp GAAP EPS of $0.93 beats by $0.03, revenue of $25.56M misses by $0.07M
April 12, 2024
Unity Bancorp raises dividend by 8.3% to $0.13
February 22, 2024
Unity Bancorp declares $0.12 dividend
November 16, 2023
Unity Bancorp declares $0.12 dividend
August 17, 2023
Unity Bancorp: Cheap Based On Earnings, But Too Much Of A Black Box
July 17, 2023
Unity Bancorp GAAP EPS of $0.95, revenue of $25.80M
July 14, 2023
Unity Bancorp approves new share repurchase program
April 27, 2023
Unity Bancorp declares $0.12 dividend
April 27, 2023
Unity Bancorp: No Evidence Of A Bank Run On Deposits
April 17, 2023
Unity Bancorp GAAP EPS of $0.96
April 17, 2023
iO Charts is a Seeking Alpha partnerNext page
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