UNTY Valuation

Unity Bancorp Inc

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52.215

+3.635(7.483%)1D

Overview
Forecast
Valuation
Earnings

UNTY Relative Valuation

UNTY's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, UNTY is overvalued; if below, it's undervalued.

Historical Valuation

Unity Bancorp Inc (UNTY) is now in the Overvalued zone, suggesting that its current forward PE ratio of 9.35 is considered Overvalued compared with the five-year average of 7.67. The fair price of Unity Bancorp Inc (UNTY) is between 41.79 to 51.24 according to relative valuation methord. Compared to the current price of 52.30 USD , Unity Bancorp Inc is Overvalued By 2.06%.

Relative Value

Fair Zone

41.79-51.24

Current Price：52.30

2.06%

Overvalued

9.33

Trailing

Forward

0.00

EV/EBITDA

Unity Bancorp Inc. (UNTY) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Unity Bancorp Inc. (UNTY) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.78

Unity Bancorp Inc. (UNTY) has a current PS of 3.78. The 5-year average PS is 2.85. The thresholds are as follows: Strongly Undervalued below 1.85, Undervalued between 1.85 and 2.35, Fairly Valued between 3.35 and 2.35, Overvalued between 3.35 and 3.85, and Strongly Overvalued above 3.85. The current Forward PS of 3.78 falls within the Overvalued range.

0.00

P/OCF

Unity Bancorp Inc. (UNTY) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Unity Bancorp Inc. (UNTY) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Unity Bancorp Inc (UNTY) has a current Price-to-Book (P/B) ratio of 1.53. Compared to its 3-year average P/B ratio of 1.21 , the current P/B ratio is approximately 25.89% higher. Relative to its 5-year average P/B ratio of 1.23, the current P/B ratio is about 24.23% higher. Unity Bancorp Inc (UNTY) has a Forward Free Cash Flow (FCF) yield of approximately 6.66%. Compared to its 3-year average FCF yield of 12.36%, the current FCF yield is approximately -46.12% lower. Relative to its 5-year average FCF yield of 12.98% , the current FCF yield is about -48.66% lower.

1.52

P/B

Median3y

1.21

Median5y

1.23

6.61

FCF Yield

Median3y

12.36

Median5y

12.98

Competitors Valuation Multiple

The average P/S ratio for UNTY's competitors is 2.75, providing a benchmark for relative valuation. Unity Bancorp Inc Corp (UNTY) exhibits a P/S ratio of 3.78, which is 37.82% above the industry average. Given its robust revenue growth of 36.78%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Peoples Financial Services Corp

Peapack-Gladstone Financial Corp

Performance Decomposition

Market capitalization of UNTY increased by 54.93% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 24.10M to 32.96M.

The secondary factor is the Margin Expansion, contributed 27.53%to the performance.

Overall, the performance of UNTY in the past 1 year is driven by Revenue Growth. Which is more sustainable.

36.78%

24.10M → 32.96M

Revenue Growth

27.53%

39.23 → 50.03

Margin Expansion

-9.38%

10.85 → 9.83

P/E Change

54.93%