Historical Valuation
Unity Bancorp Inc (UNTY) is now in the Fair zone, suggesting that its current forward PE ratio of 9.25 is considered Fairly compared with the five-year average of 7.87. The fair price of Unity Bancorp Inc (UNTY) is between 47.61 to 57.51 according to relative valuation methord.
Relative Value
Fair Zone
47.61-57.51
Current Price：53.09
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Unity Bancorp Inc (UNTY) has a current Price-to-Book (P/B) ratio of 1.54. Compared to its 3-year average P/B ratio of 1.25 , the current P/B ratio is approximately 23.22% higher. Relative to its 5-year average P/B ratio of 1.27, the current P/B ratio is about 20.60% higher. Unity Bancorp Inc (UNTY) has a Forward Free Cash Flow (FCF) yield of approximately 11.71%. Compared to its 3-year average FCF yield of 12.67%, the current FCF yield is approximately -7.53% lower. Relative to its 5-year average FCF yield of 11.89% , the current FCF yield is about -1.48% lower.
P/B
Median3y
1.25
Median5y
1.27
FCF Yield
Median3y
12.67
Median5y
11.89
Competitors Valuation Multiple
AI Analysis for UNTY
The average P/S ratio for UNTY competitors is 2.57, providing a benchmark for relative valuation. Unity Bancorp Inc Corp (UNTY.O) exhibits a P/S ratio of 3.75, which is 45.89% above the industry average. Given its robust revenue growth of 18.38%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for UNTY
1Y
3Y
5Y
Market capitalization of UNTY increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of UNTY in the past 1 year is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is UNTY currently overvalued or undervalued?
Unity Bancorp Inc (UNTY) is now in the Fair zone, suggesting that its current forward PE ratio of 9.25 is considered Fairly compared with the five-year average of 7.87. The fair price of Unity Bancorp Inc (UNTY) is between 47.61 to 57.51 according to relative valuation methord.
What is Unity Bancorp Inc (UNTY) fair value?
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. The fair price of Unity Bancorp Inc (UNTY) is between 47.61 to 57.51 according to relative valuation methord.
How does UNTY's valuation metrics compare to the industry average?
The average P/S ratio for UNTY's competitors is 2.57, providing a benchmark for relative valuation. Unity Bancorp Inc Corp (UNTY) exhibits a P/S ratio of 3.75, which is 45.89% above the industry average. Given its robust revenue growth of 18.38%, this premium appears unsustainable.
What is the current P/B ratio for Unity Bancorp Inc (UNTY) as of Jan 09 2026?
As of Jan 09 2026, Unity Bancorp Inc (UNTY) has a P/B ratio of 1.54. This indicates that the market values UNTY at 1.54 times its book value.
What is the current FCF Yield for Unity Bancorp Inc (UNTY) as of Jan 09 2026?
As of Jan 09 2026, Unity Bancorp Inc (UNTY) has a FCF Yield of 11.71%. This means that for every dollar of Unity Bancorp Inc’s market capitalization, the company generates 11.71 cents in free cash flow.
What is the current Forward P/E ratio for Unity Bancorp Inc (UNTY) as of Jan 09 2026?
As of Jan 09 2026, Unity Bancorp Inc (UNTY) has a Forward P/E ratio of 9.25. This means the market is willing to pay $9.25 for every dollar of Unity Bancorp Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Unity Bancorp Inc (UNTY) as of Jan 09 2026?
As of Jan 09 2026, Unity Bancorp Inc (UNTY) has a Forward P/S ratio of 3.75. This means the market is valuing UNTY at $3.75 for every dollar of expected revenue over the next 12 months.