U

    Unity Bancorp Inc (UNTY)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $58.03
    -0.75 (-1.28%)

    Market Cap: $590.30M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    91%(30/33)
    Avg Surprise
    +6.42%

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$1.50
    Range$1.48 - $1.52
    4 analysts
    EPS Revisions
    3
    0
    7d
    3
    0
    30d
    EPS Estimate Drift
    90d ago$1.48-1.3%
    60d ago$1.48-1.0%
    30d ago$1.48-1.0%
    7d ago$1.49-0.7%
    Current$1.50
    Revenue Consensus
    $36M
    Range$36M - $36M
    2 analysts
    Dec 31, 2026
    EPS Consensus$1.54
    Range$1.47 - $1.65
    5 analysts
    Revenue Consensus
    $30M
    Range$25M - $36M
    2 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.54---
    Sep 26EST
    		-$1.50---
    Jun 26
    		$1.42$1.44-1.39%Miss-11.8%
    Mar 26
    		$1.40$1.38+1.45%Beat+23.9%
    Dec 25
    		$1.52$1.36+11.76%Beat+34.5%
    Sep 25
    		$1.41$1.29+9.30%Beat+31.8%
    Jun 25
    		$1.61$1.18+36.44%Beat+73.1%
    Mar 25
    		$1.13$1.13+0.00%Beat+21.5%
    Dec 24
    		$1.13$1.06+6.60%Beat+17.7%
    Sep 24
    		$1.07$0.95+12.63%Beat+10.3%
    Jun 24
    		$0.93$0.91+2.20%Beat-2.1%
    Mar 24
    		$0.93$0.90+3.33%Beat-3.1%
    Dec 23
    		$0.96$0.86+11.63%Beat+3.2%
    Sep 23
    		$0.97$0.89+8.99%Beat+4.3%
    Jun 23
    		$0.95$0.87+9.20%Beat+8.0%
    Mar 23
    		$0.96$0.91+5.49%Beat+12.9%
    Dec 22
    		$0.93$1.01-7.92%Miss+1.1%
    Sep 22
    		$0.93$0.92+1.09%Beat+3.3%
    Jun 22
    		$0.88$0.86+2.33%Beat+10.0%
    Mar 22
    		$0.85$0.81+4.94%Beat+6.2%
    Dec 21
    		$0.92$0.86+6.98%Beat+33.3%
    Sep 21
    		$0.90$0.81+11.11%Beat+66.7%
    Jun 21
    		$0.80$0.79+1.27%Beat+70.2%
    Mar 21
    		$0.80$0.73+9.59%Beat+63.3%
    Dec 20
    		$0.69$0.60+15.00%Beat+25.5%
    Sep 20
    		$0.54$0.46+17.39%Beat+0.0%
    Jun 20
    		$0.47$0.39+20.51%Beat-11.3%
    Mar 20
    		$0.49$0.48+2.08%Beat-5.8%
    Dec 19
    		$0.55$0.54+1.85%Beat+3.8%
    Sep 19
    		$0.54$0.53+1.89%Beat+8.0%
    Jun 19
    		$0.53$0.53+0.00%Beat+8.2%
    Mar 19
    		$0.52$0.49+6.12%Beat+8.3%
    Dec 18
    		$0.53$0.53+0.00%Beat+35.9%
    Sep 18
    		$0.50$0.51-1.96%Miss+42.9%
    Jun 18
    		$0.49$0.48+2.08%Beat+53.1%
    Mar 18
    		$0.48N/AN/ABeat+60.0%
    Dec 17
    		$0.39N/AN/ABeat+21.9%
    Sep 17
    		$0.35N/AN/ABeat+10.1%
    Jun 17
    		$0.32N/AN/ABeat-
    Mar 17
    		$0.30N/AN/ABeat-
    Dec 16
    		$0.32N/AN/ABeat-
    Sep 16
    		$0.32N/AN/ABeat-

    Dividends

    Dividend Metrics

    Yield1.07%
    Annual/Share$0.62
    Payout Ratio10.62%
    Frequency4
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+10.49%
    5Y CAGR+12.63%
    View UNTY's full dividend history

    Key Metrics

    Valuation
    P/E Ratio10.09EV/EBITDAN/A
    Price/FCF21.04xFCF Yield4.75%
    Profitability
    Profit Margin45.00%Operating Margin58.20%
    ROE17.00%ROIC8.40%
    Financial Health
    Debt/Equity0.88xInterest Coverage1.30x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.63Avg Volume54.45K
    52-Week High$62.5052-Week Low$43.94

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$58.92
    SMA 20$59.75
    SMA 50$58.50
    SMA 200$54.23
    EMA 10$58.91
    EMA 20$59.12
    EMA 50$58.28
    EMA 200$54.52

    MACD

    Line: -0.02Signal: 0.33Hist: -0.35

    ADX

    ADX: 17.1+DI: 15.8-DI: 23.7

    Aroon & PSAR

    Aroon Up56.0
    Aroon Down92.0
    PSAR$61.19

    Bollinger Bands

    Upper Band$62.03
    Lower Band$57.48
    %B Position762%(Upper)
    Band Width0.12

    RSI (14-Day)

    Neutral
    42.7

    Momentum Oscillators

    Stoch %K14.0
    Stoch %D11.7
    Williams %R-93.1
    ROC (10d)-4.7%
    Momentum-2.84
    CCI (20d)-126.5
    MFI (14d)38.8

    Volatility Measures

    ATR (14d)$1.28(2.2%)
    StdDev (20d)1.14
    Hist Vol16.4%(Low)

    Volume Flow

    VWAP$58.22
    OBV929.7K
    AD Line-4.6M
    CMF (20d)-0.168

    Volume Metrics

    Avg Vol (20d)54.3K
    Vol Ratio0.7x
    VWMA (20d)$59.79

    Pivot Points

    R3$59.93
    R2$59.51
    R1$59.15
    Pivot Point$58.73
    S1$58.37
    S2$57.95
    S3$57.59

    Advanced Oscillators

    TSI-0.11
    Ultimate Osc33.2
    KST16.34

    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, Inc. (NASDAQ:UNTY) Receives Consensus Rating of "Buy" from Analysts

    Unity Bancorp, Inc. (NASDAQ:UNTY) has received a consensus "Buy" rating from analysts, with an average 12-month price target of $65.50. Institutional ownership has increased, now accounting for 42.31% of the company, while insiders hold 28.87%. The company recently raised its quarterly dividend to $0.17 per share, though its latest quarterly earnings slightly missed estimates.

    MarketBeat•8/23/26•
    Somewhat-Bullish

    Unity Bancorp Ups Quarterly Dividend 6% to $0.17 per Share, Payable Sept. 17 to Shareholders of Record Sept. 3

    Unity Bancorp has increased its quarterly dividend by 6% to $0.17 per share. This dividend is payable on September 17, 2026, to shareholders of record as of September 3, 2026. The announcement was made on August 20, 2026.

    marketscreener.com•8/20/26•
    Bullish

    Unity Bancorp Announces 6% Increase in Third Quarter Dividend

    Unity Bancorp, Inc. has announced a 6% increase in its third-quarter cash dividend, raising it to $0.17 per common share. This decision, approved by the Board of Directors, reflects the company's strong financial performance and commitment to shareholder value. The dividend is payable on September 17, 2026, to shareholders of record as of September 3, 2026.

    The Manila Times•8/20/26•
    Bullish

    Unity Bancorp sets a 17-cent cash payment for shareholders on Sept. 17

    Unity Bancorp (NASDAQ: UNTY) announced a 6% increase in its quarterly cash dividend to $0.17 per common share, payable on September 17, 2026, to shareholders of record as of September 3, 2026. This decision reflects the company's strong financial performance, disciplined balance sheet management, and commitment to delivering shareholder value. Unity Bancorp currently manages approximately $3.2 billion in assets and $2.5 billion in deposits.

    Stock Titan•8/20/26•
    Bullish

    Unity Bancorp (NASDAQ: UNTY) CFO now owns 6,079 shares after tax withholding

    Unity Bancorp's CFO, James R. Davies, now beneficially owns 6,079 shares after 91 restricted shares were withheld for tax liability on August 16, 2026, at $61.82 per share. This withholding was due to the vesting of 250 restricted shares. His holdings include 3,963 restricted shares and 2,116 common shares.

    Stock Titan•8/18/26•
    Neutral

    Frequently Asked Questions About UNTY

    What is UNTY's current dividend yield?
    Unity Bancorp Inc (UNTY) has a current dividend yield of 1.07%.
    Does UNTY pay dividends?
    Yes, Unity Bancorp Inc pays dividends with a current yield of 1.07%.
    What is UNTY's P/E ratio?
    Unity Bancorp Inc has a price-to-earnings (P/E) ratio of 10.09.
    What is UNTY's market cap?
    Unity Bancorp Inc (UNTY) has a market capitalization of $590.30M with a current stock price of $58.03.

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