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    Unity Bancorp Inc (UNTY)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $56.06
    +1.53 (+2.81%)

    Market Cap: $549.01M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    91%(31/34)
    Avg Surprise
    +6.27%
    Streak
    1 Q

    Upcoming Estimates

    Period ending Dec 31, 2026
    EPS Consensus$1.52
    Range$1.43 - $1.79
    5 analysts
    Revenue Consensus
    $36M
    Range$36M - $36M
    1 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.52---
    Sep 26
    Reported Oct 13
    		$1.51$1.49+1.34%Beat+7.1%
    Jun 26
    Reported Jul 14
    		$1.42$1.44-1.39%Miss-11.8%
    Mar 26
    Reported Apr 13
    		$1.40$1.38+1.45%Beat+23.9%
    Dec 25
    Reported Jan 13
    		$1.52$1.36+11.76%Beat+34.5%
    Sep 25
    Reported Oct 14
    		$1.41$1.29+9.30%Beat+31.8%
    Jun 25
    Reported Aug 6
    		$1.61$1.18+36.44%Beat+73.1%
    Mar 25
    Reported Apr 11
    		$1.13$1.13+0.00%Beat+21.5%
    Dec 24
    Reported Jan 15
    		$1.13$1.06+6.60%Beat+17.7%
    Sep 24
    Reported Oct 11
    		$1.07$0.95+12.63%Beat+10.3%
    Jun 24
    Reported Jul 12
    		$0.93$0.91+2.20%Beat-2.1%
    Mar 24
    Reported Apr 12
    		$0.93$0.90+3.33%Beat-3.1%
    Dec 23
    Reported Jan 12
    		$0.96$0.86+11.63%Beat+3.2%
    Sep 23
    Reported Oct 13
    		$0.97$0.89+8.99%Beat+4.3%
    Jun 23
    Reported Jul 14
    		$0.95$0.87+9.20%Beat+8.0%
    Mar 23
    Reported Apr 17
    		$0.96$0.91+5.49%Beat+12.9%
    Dec 22
    Reported Jan 13
    		$0.93$1.01-7.92%Miss+1.1%
    Sep 22
    Reported Oct 14
    		$0.93$0.92+1.09%Beat+3.3%
    Jun 22
    Reported Jul 14
    		$0.88$0.86+2.33%Beat+10.0%
    Mar 22
    Reported Apr 14
    		$0.85$0.81+4.94%Beat+6.2%
    Dec 21
    Reported Mar 11
    		$0.92$0.86+6.98%Beat+33.3%
    Sep 21
    Reported Oct 15
    		$0.90$0.81+11.11%Beat+66.7%
    Jun 21
    Reported Jul 14
    		$0.80$0.79+1.27%Beat+70.2%
    Mar 21
    Reported Apr 15
    		$0.80$0.73+9.59%Beat+63.3%
    Dec 20
    Reported Mar 25
    		$0.69$0.60+15.00%Beat+25.5%
    Sep 20
    Reported Oct 21
    		$0.54$0.46+17.39%Beat+0.0%
    Jun 20
    Reported Jul 23
    		$0.47$0.39+20.51%Beat-11.3%
    Mar 20
    Reported Apr 17
    		$0.49$0.48+2.08%Beat-5.8%
    Dec 19
    Reported Mar 4
    		$0.55$0.54+1.85%Beat+3.8%
    Sep 19
    Reported Oct 17
    		$0.54$0.53+1.89%Beat+8.0%
    Jun 19
    Reported Jul 18
    		$0.53$0.53+0.00%Beat+8.2%
    Mar 19
    Reported Apr 18
    		$0.52$0.49+6.12%Beat+8.3%
    Dec 18
    Reported Mar 5
    		$0.53$0.53+0.00%Beat+35.9%
    Sep 18
    Reported Oct 18
    		$0.50$0.51-1.96%Miss+42.9%
    Jun 18
    Reported Jul 19
    		$0.49$0.48+2.08%Beat+53.1%
    Mar 18
    Reported Apr 24
    		$0.48N/AN/ABeat+60.0%
    Dec 17
    Reported Mar 2
    		$0.39N/AN/ABeat+21.9%
    Sep 17
    Reported Oct 19
    		$0.35N/AN/ABeat-
    Jun 17
    Reported Jul 25
    		$0.32N/AN/ABeat-
    Mar 17
    Reported Apr 24
    		$0.30N/AN/ABeat-
    Dec 16
    Reported Mar 3
    		$0.32N/AN/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield1.21%
    Forward Annual Dividend$0.68
    Payout Ratio10.96%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+10.49%
    5Y CAGR+12.63%
    UNTY dividend history and ex-dividend datesRun UNTY in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio9.58EV/EBITDA11.01x
    Price/FCF20.32xFCF Yield4.92%
    Profitability
    Profit Margin46.10%Operating Margin57.10%
    ROE17.10%ROIC8.40%
    Financial Health
    Debt/Equity0.88xInterest Coverage1.30x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.65Avg Volume60.67K
    52-Week High$62.3252-Week Low$43.82

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$55.08
    SMA 20$55.67
    SMA 50$57.91
    SMA 200$55.02
    EMA 10$55.30
    EMA 20$55.84
    EMA 50$56.86
    EMA 200$54.97

    MACD

    Line: -0.80Signal: -0.93Hist: 0.13

    ADX

    ADX: 32.1+DI: 21.8-DI: 28.9

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down60.0
    PSAR$53.44

    Bollinger Bands

    Upper Band$58.25
    Lower Band$53.10
    %B Position925%(Upper)
    Band Width0.58

    RSI (14-Day)

    Neutral
    49.1

    Momentum Oscillators

    Stoch %K52.8
    Stoch %D46.9
    Williams %R-30.2
    ROC (10d)2.6%
    Momentum1.41
    CCI (20d)-4.9
    MFI (14d)53.8

    Volatility Measures

    ATR (14d)$1.37(2.4%)
    StdDev (20d)1.29
    Hist Vol24.1%(Moderate)

    Volume Flow

    VWAP$55.65
    OBV683.3K
    AD Line-5.8M
    CMF (20d)-0.203

    Volume Metrics

    Avg Vol (20d)61.4K
    Vol Ratio1.1x
    VWMA (20d)$55.97

    Pivot Points

    R3$56.64
    R2$56.03
    R1$55.28
    Pivot Point$54.67
    S1$53.92
    S2$53.31
    S3$52.56

    Advanced Oscillators

    TSI-18.15
    Ultimate Osc46.4
    KST-62.61

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$33.75M$33.61M$35.27M$32.82M$34.37M$29.35M$28.41M$27.66M$25.46M$25.56M$26.60M$25.58M
    Cost of RevenueN/A$15.50M$14.50M$30.77M$15.90M$14.87M$15.07M$15.77M$15.49M$14.74M$15.48M$14.01M
    Gross ProfitN/A$32.56M$35.27M$32.28M$34.28M$28.04M$26.93M$26.36M$24.18M$24.92M$24.45M$24.80M
    Operating Expenses$13.93M$14.07M$13.31M$13.41M$13.02M$12.61M$12.62M$12.01M$11.98M$12.13M$11.74M$11.97M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$19.24M$19.69M$19.90M$21.53M$15.42M$14.49M$14.57M$12.55M$12.78M$13.05M$13.05M
    Interest Income$46.63M$45.18M$45.87M$44.36M$42.60M$40.80M$40.26M$39.55M$37.99M$37.94M$37.76M$36.99M
    Interest Expense$14.81M$14.45M$14.50M$14.51M$14.04M$13.55M$13.77M$14.69M$14.56M$14.10M$13.73M$13.46M
    Income Before Tax$18.65M$18.49M$19.69M$18.87M$21.53M$15.42M$14.49M$14.57M$12.55M$12.78M$13.05M$13.05M
    Income Tax Expense$4.18M$4.20M$4.22M$4.48M$5.04M$3.83M$2.98M$3.66M$3.10M$3.20M$3.28M$3.10M
    Net Income$14.47M$14.29M$15.47M$14.39M$16.49M$11.60M$11.51M$10.90M$9.45M$9.59M$9.77M$9.95M
    EBITDA$19.19M$18.70M$20.77M$19.57M$21.80M$16.09M$15.23M$15.50M$12.60M$13.37M$13.28M$14.30M
    EBIT$18.65M$18.49M$19.69M$18.87M$21.53M$15.42M$14.49M$14.57M$12.55M$12.78M$13.05M$13.05M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Unity Bancorp raises quarterly dividend 6% to $0.17 per share

    Unity Bancorp announced a 6% increase in its third-quarter cash dividend, raising it to $0.17 per common share, payable on September 17, 2026, to shareholders of record as of September 3...

    scanx.trade•10/15/26•Bullish

    Analysts Offer Insights on Financial Companies: Goldman Sachs Group (GS), Unity Bancorp (UNTY) and Citigroup (C)

    Analysts have provided insights on several financial companies, including Goldman Sachs Group (GS), Unity Bancorp (UNTY), and Citigroup (C). RBC Capital maintained a Hold rating for Goldman Sachs...

    The Globe and Mail•10/15/26•Bullish

    Unity Bancorp reports USD 17.4 million profit: Unity Bancorp stock trades at EUR 48.40

    Unity Bancorp reported a third-quarter net income of USD 17.4 million, a 20.1 percent increase from the previous quarter...

    ad-hoc-news.de•10/15/26•Bullish

    KBW Maintains Unity Bancorp(UNTY.US) With Buy Rating, Maintains Target Price $68

    KBW has reiterated its Buy rating for Unity Bancorp (UNTY.US) and maintained its target price at $68. This indicates the firm's continued confidence in the bank's stock performance.

    Moomoo•10/15/26•Bullish

    Unity Bancorp (UNTY) Stock Draws Focus To Margin Strength And Credit Quality

    Unity Bancorp's stock saw a slight dip, but its Q3 2026 earnings highlight strong financial health, with net income rising to US$17.38 million and a robust net interest margin of 4.67%. The regional lender also...

    Simply Wall Street•10/14/26•Somewhat-Bullish

    UNTY Valuation and Fair Value

    P/E
    9.6x
    Forward P/E
    8.4x
    EV/EBITDA
    11.0x
    P/FCF
    20.3x
    PEG
    1.0x
    P/B
    1.5x
    See GNG's fair value

    UNTY Profitability: Margins, ROIC and FCF

    Operating margin
    57.1%
    Net margin
    46.1%
    ROIC
    8.4%
    ROE
    17.1%
    FCF margin
    20.4%
    FCF yield
    4.9%

    UNTY Competitors

    CompanyTicker
    Civista Bancshares IncCIVB
    Brighthouse Financial, Inc.BHFAM
    Kearny Financial CorpKRNY
    American Integrity Insurance Group, Inc.AII
    Southern First Bancshares IncSFST
    Northpointe Bancshares, Inc.NPB
    Velocity Financial LlcVEL
    BRC Group Holdings, Inc.RILYL

    Sector: Financial Services

    UNTY Analyst Ratings

    Consensus
    Buy
    Analysts
    5
    Strong Buy
    2
    Buy
    3
    Hold
    0
    Sell
    0
    Strong Sell
    0

    UNTY Bull Case vs Bear Case

    Bull case

    • UNTY converts 20.4% of revenue into free cash flow.
    • UNTY has a 46.1% net profit margin.
    • UNTY beat EPS estimates in 75.0% of its last 8 reported quarters.

    UNTY Earnings: Beat Rate and Next Report

    Beat rate
    6 of 8 quarters (75.0%)
    Average surprise
    8.2%
    EPS estimate (fiscal period ending Dec 31, 2026)
    $1.52

    UNTY Dividend

    Forward yield
    1.2%
    Payout ratio
    11.0%
    3Y DPS growth
    10.5%
    5Y DPS growth
    12.6%
    Pay months
    Mar, Jun, Sep, Dec
    UNTY dividend history

    Frequently Asked Questions About UNTY

    What is UNTY's current dividend yield?

    Unity Bancorp Inc (UNTY) has a forward dividend yield of 1.21%.

    Does UNTY pay dividends?

    Yes, Unity Bancorp Inc pays dividends with a forward dividend yield of 1.21%.

    What is UNTY's P/E ratio?

    Unity Bancorp Inc has a price-to-earnings (P/E) ratio of 9.58.

    What is UNTY's market cap?

    Unity Bancorp Inc (UNTY) has a market capitalization of $549.01M with a current stock price of $56.06.

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