Unity Bancorp, Inc. (UNTY) Stock Analysis
Financial Services · Banks - Regional · NasdaqGM
Unity Bancorp, Inc. (UNTY) posted $133.75M in revenue for fiscal 2025 (up 28.1% year over year), at a 43.3% net margin, per its SEC filings.
Data last refreshed September 4, 2026 from SEC filings · how we compute this
The analyst's take on Unity Bancorp, Inc.
Unity Bancorp, Inc. has grown revenue from — to $133.75M over the last 10 fiscal years. The most recent year was up 28.1%.
Net margin sits at 43.3%, up 3.6 points year over year. It carries about $266.08M of total debt.
At today's valuation the market is pricing in roughly 1.3% annual free-cash-flow growth — versus the 15.3% it actually delivered over the last five years, so the price is arguably undemanding against what it has already proven. It clears 6 of 7 deterministic health checks. The one thing worth a second look in the filings is heavy debt load.
Synthesised from Unity Bancorp, Inc.'s SEC filings — descriptive, not advice. Ask the analyst your own question →
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Unity Bancorp, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | $97.64M | $100.94M | $104.40M | $133.75M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $13.21M | $12.89M | $21.92M | $23.65M | $23.64M | $36.12M | $38.46M | $39.71M | $41.45M | $57.95M |
| Net margin | — | — | — | — | — | — | 39.4% | 39.3% | 39.7% | 43.3% |
Source: Unity Bancorp, Inc. SEC filings (10-K). 16 years of history available in the interactive view.
Unity Bancorp, Inc. financial health: 6 of 7 checks passed
- ✓Profitable every year (last 5)
- ✓Net margin above 10% (43.3%)
- ✗More cash than total debt (cash 218.5M vs debt 266.1M)
- ✓Positive operating cash flow (last 5 yrs)
- ✓Free cash flow positive (latest yr) (44.3M)
- ✓Share count falling over 5 yrs (buybacks) (10.5M → 10M shares)
- ✓Pays a dividend (13 consecutive yrs in our data)
Checks computed deterministically from filed annual statements — no AI judgement.
Unity Bancorp, Inc.: 1 potential red flag in the filings
Patterns in the filed statements worth a second look — computed and cited, not AI guesswork, and not a signal to sell. The kind of thing that hides in a 10-K.
- Heavy debt loadTotal debt of $266.1M is 5.9× last year's operating cash flow — it would take years of cash flow to clear.
What growth is priced into UNTY stock?
At today's market cap of $556.27M, Unity Bancorp, Inc. is priced for free-cash-flow growth of about 1.3% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $44.34M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 15.3%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 16 years of Unity Bancorp, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Unity Bancorp, Inc. financial history
About Unity Bancorp, Inc.
Unity Bancorp, Inc. operates as the bank holding company for Unity Bank that provides commercial and retail banking services. It offers personal and business checking, money market, savings, retirement, money market accounts, as well as time and noninterest and interest-bearing demand deposits. The company also provides commercial, small business administration, consumer, mortgage, and home equity and personal loans; and owner and non-owner-occupied commercial mortgages. In addition, it is involved in the residential construction, commercial, and industrial lending activities secured by business assets, including real estate, receivables, inventory, and equipment. Further, the company offers credit and debit cards, wire transfers, safe deposit boxes, automated teller, and internet and mobile banking services; automated clearing house origination and remote deposit capture services; and business services, such as escrow account, merchant, and online services. Unity Bancorp, Inc. was founded in 1991 and is headquartered in Clinton, New Jersey.
Unity Bancorp, Inc. — frequently asked questions
What is Unity Bancorp, Inc.'s revenue?
Unity Bancorp, Inc. (UNTY) reported revenue of $133.75M for fiscal year 2025, up 28.1% from the prior year, according to its SEC filings.
Is Unity Bancorp, Inc. profitable?
Yes. UNTY earned net income of $57.95M in fiscal 2025, a net margin of 43.3%.
What is UNTY's P/E ratio?
Unity Bancorp, Inc. trades at a price-to-earnings ratio of about 9.3 based on the latest data in our nightly-refreshed cache.
Does Unity Bancorp, Inc. pay a dividend?
Yes, UNTY pays a dividend — the yield is about 1.11%.
How much debt does Unity Bancorp, Inc. have?
As of fiscal year 2025, UNTY carried roughly $266.08M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Unity Bancorp, Inc.'s market cap?
Unity Bancorp, Inc. (UNTY) has a market capitalization of about $556.27M, based on the latest data in our nightly-refreshed cache.
When does Unity Bancorp, Inc.'s fiscal year end?
UNTY's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into UNTY stock?
At today's market cap of $556.27M, Unity Bancorp, Inc. is priced for free-cash-flow growth of about 1.3% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $44.34M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 15.3%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Unity Bancorp, Inc.'s official SEC filings (10-K and 10-Q), covering 16 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.