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UNTY

Unity Bancorp Inc
$
50.150
-1.41(-2.735%)1D
  • Overview
  • Forecast
  • Valuation
  • Earnings
Line
Line
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Candle
Candle
1D
5D
1M
3M
6M
YTD
1Y
5Y
High
51.460
Open
51.460
VWAP
50.62
Vol
66.38K
Mkt Cap
503.10M
Low
50.050
Amount
3.36M
EV/EBITDA(TTM)
12.22
Total Shares
10.04M
EV
730.33M
EV/OCF(TTM)
2.76
P/S(TTM)
4.84
Unity Bancorp, Inc. is a bank holding company that serves as a holding company for Unity Bank (the Bank). The primary activity of the Company is ownership and supervision of the Bank. The Bank, the Company’s wholly-owned subsidiary, provides financial services to retail, corporate and small business customers through its branch network located in Bergen, Hunterdon, Middlesex, Morris, Ocean, Somerset, Union and Warren Counties in New Jersey and Northampton County in Pennsylvania. The Bank conducts a traditional and community-oriented commercial banking business and offers services, including personal and business checking accounts, time deposits, money market accounts, savings accounts, credit cards, debit cards, wire transfers, safe deposit boxes, access to automated teller services, and Internet and mobile banking, typical of a community banking business. The Bank also offers retirement accounts, automated clearing house (ACH) origination and remote deposit capture (RDC).
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Market Estimates

Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2026Q1
FY2025Q4
FY2025Q3
32.32M
+10.11%
1.273
+12.68%
31.86M
+12.16%
1.290
+14.16%
31.35M
+13.36%
1.283
+19.94%
Estimates Revision
The market is revising No Change the revenue expectations for Unity Bancorp, Inc. (UNTY) for FY2025, with the revenue forecasts being adjusted by 0% over the past three months. During the same period, the stock price has changed by 19.95%.
Revenue Estimates for FY2025
No Change
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0.00%
In Past 3 Month
EPS Estimates for FY2025
No Change
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0.00%
In Past 3 Month
Stock Price
Go Up
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+19.95%
In Past 3 Month
1 Analyst Rating
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-0.30% Downside
Wall Street analysts forecast UNTY stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for UNTY is 50.00 USD with a low forecast of 50.00 USD and a high forecast of 50.00  USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Buy
0 Hold
0 Sell
Moderate Buy
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-0.30% Downside
Current: 50.150
sliders
Low
50.00
Averages
50.00
High
50.00
Keefe Bruyette
Outperform
maintain
$55 -> $63
2025-07-18
Reason
Keefe Bruyette raised the firm's price target on Unity Bancorp to $63 from $55 and keeps an Outperform rating on the shares. Unity posted a strong quarter driven by modest net interest margin expansion and continued strong loan growth, the analyst tells investors in a research note.
Piper Sandler
Justin Crowley
Buy
Maintains
$54 → $50
2025-04-14
Reason
Piper Sandler lowered the firm's price target on Unity Bancorp to $50 from $54 and keeps an Overweight rating on the shares following quarterly results. The firm notes Unity put up a strong start to 2025 with a 6c revenue beat driven by margin expansion that outpaced expectations while the bank also registered its strongest quarter of loan growth in over 2 years. Core profitability progressed higher through all of 2024, and this trend continued through Q1 2025 with a core ROA of 1.86% posted in the period. The bank continues to demonstrate a peer-leading return profile, and is positioned well with a very strong capital and liquidity base while credit quality remains in check, Piper adds.
Keefe, Bruyette & Woods
Christopher O'Connell
Buy
Reiterates
$51 → $55
2025-01-16
Reason
Piper Sandler
Justin Crowley
Buy
Reiterates
$53 → $54
2025-01-16
Reason
Piper Sandler raised the firm's price target on Unity Bancorp to $54 from $53 and keeps an Overweight rating on the shares. The firm notes Unity Bancorp reported Q4 EPS of $1.13, and excluding a one-time valuation-related SERP adjustment as well as normalizing the tax rate, it pegs core at $1.14. The result came in above Piper's $1.09 estimate and consensus at $1.06.
Keefe, Bruyette & Woods
Christopher O'Connell
Buy
Maintains
$43 → $51
2024-12-04
Reason
Piper Sandler
Justin Crowley
Buy
Reiterates
$40 → $44
2024-10-14
Reason

Valuation Metrics

The current forward P/E ratio for Unity Bancorp Inc (UNTY.O) is 9.63, compared to its 5-year average forward P/E of 7.64. For a more detailed relative valuation and DCF analysis to assess Unity Bancorp Inc 's fair value, click here.

Forward PE

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Overvalued
5Y Average PE
7.64
Current PE
9.63
Overvalued PE
8.68
Undervalued PE
6.60

Forward EV/EBITDA

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Strongly Overvalued
5Y Average PS
2.82
Current PS
4.01
Overvalued PS
3.32
Undervalued PS
2.32

Financials

Annual
Quarterly
FY2025Q1
YoY :
+15.11%
27.99M
Total Revenue
FY2025Q1
YoY :
+20.65%
15.42M
Operating Profit
FY2025Q1
YoY :
+20.99%
11.60M
Net Income after Tax
FY2025Q1
YoY :
+21.51%
1.13
EPS - Diluted
FY2025Q1
YoY :
+75.45%
92.66M
Free Cash Flow
FY2025Q1
249.24
FCF Margin - %
FY2025Q1
YoY :
+5.10%
41.44
Net Margin - %
FY2025Q1
7.65
ROIC

Trading Trends

Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
199.8K
USD
3
6-9
Months
1.1M
USD
8
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
0-3
Months
0.0
Volume
0
3-6
Months
0.0
Volume
0
6-9
Months
0.0
Volume
0
0-12
Months
0.0
Volume
0
Bought
0-3
0
0.0
Volume
Months
3-6
0
0.0
Volume
Months
6-9
0
0.0
Volume
Months
0-12
0
0.0
Volume
Months
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months

UNTY News & Events

Events Timeline

2025-07-15 (ET)
2025-07-15
06:03:03
Unity Bancorp reports Q2 EPS 1.61, consensus $1.18
select
2025-06-20 (ET)
2025-06-20
08:05:32
Unity Bancorp opens new location in Madison, New Jersey
select
2025-04-11 (ET)
2025-04-11
06:06:20
Unity Bancorp reports Q1 EPS $1.13, consensus $1.13
select
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News

4.0
07-18Benzinga
Keefe, Bruyette & Woods Maintains Outperform on Unity Bancorp, Raises Price Target to $63
9.5
07-15NASDAQ.COM
Unity Bancorp (UNTY) Q2 Earnings and Revenues Top Estimates
9.5
07-15Newsfilter
Unity Bancorp Reports Quarterly Earnings of $16.5 Million
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FAQ

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What is Unity Bancorp Inc (UNTY) stock price today?

The current price of UNTY is 50.15 USD — it has decreased -2.73 % in the last trading day.

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What is Unity Bancorp Inc (UNTY)'s earnings per share (EPS) for the last quarter?

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