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Unity Bancorp(NASDAQ) UNTY

Market Cap$593.62MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1995)+1,606%
5 Year+173%
1 Year+23%
1 Month+3%
Premium Feature
Moneyball Superscore
68/100
$59.60
+0.83%
+0.49Today
Unity Bancorp last closing stock price
MetricPriceDate
Last closeUSD 59.112026-08-20
Unity Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-4.24%USD 61.732026-08-13
1 month+3.27%USD 57.242026-07-21
3 month+8.63%USD 54.412026-05-22
Year to date+14.99%USD 51.402025-12-31
1 year+22.92%USD 48.092025-08-20
3 year+154.79%USD 23.202023-08-21
5 year+172.91%USD 21.662021-08-20
Since inception+1,605.82%USD 3.471995-11-21

Unity Bancorp Financials at a Glance

Market Cap

$593.62MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$209.43M

Net Income (TTM)

$58.63M

EPS (TTM)

$5.74

P/E Ratio

10.30

Dividend

$0.62

Beta (Volatility)

0.60 (Low)

Price

$59.60

Volume

24,991.448

Open

$59.98

Previous Close

$59.11

Daily Range

$59.01 - $60.52

52-Week Range

$44.34 - $62.50

Estimated Earnings Date

Oct 13, 2026

UNTY News

No articles available.

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About Unity Bancorp

Unity Bancorp, Inc. helps small businesses and families borrow money. The bank also provides safe places for people to save cash. Customers use these services at local branches or through a website.

Money, Loans, and Savings

  • Commercial Loans: Funding for businesses to buy equipment or property; accounts for 61.5% of gross loans as of June 30, 2026.
  • Residential Mortgages: Financing for primary and secondary home purchases; represents 24.9% of gross loans as of June 30, 2026.
  • SBA Loans: Small Business Administration (SBA) credit for companies that need specialized financial support.
  • Deposit Accounts: Checking, savings, and non-interest-bearing accounts used by individuals and companies.
  • Consumer Lending: Credit for personal needs such as home improvements or car purchases.

How the Bank Is Growing

  • Purchased $5.1 million in federal tax credits during the first quarter of 2026.
  • Acquired $2.6 million in state tax credits during the second quarter of 2026.
  • Increased average loan volume by 11.5% during the first six months of 2026 compared to 2025.
  • Expanded the branch network across multiple counties in New Jersey and Pennsylvania.

What Makes Unity Stand Out?

Unity operates 19 physical branches across New Jersey and Pennsylvania. The bank emphasizes government-backed Small Business Administration lending to support entrepreneurs who lack traditional credit.

Key Financial Numbers

  • Tax-equivalent net interest income was $31.8 million in the second quarter of 2026, up 11.5% year over year.
  • Total assets increased to $3.2 billion as of June 30, 2026, up 7.7% from Dec. 31, 2025.
  • Net income was $14.5 million for the three months ended June 30, 2026, compared to $16.5 million in 2025.
  • The company market capitalization was $588.4 million for the quarter ended June 30, 2026, up 24.6% year over year.
  • Gross loans grew to $2.7 billion on June 30, 2026, up 5.4% from year-end 2025.

Bottom Line

Unity has evolved from a startup into a regional bank with $3.2 billion in assets. Its focus on community-based commercial and consumer banking supports its steady regional expansion.

AI Generated • Aug 7, 2026

Industry

Banks

Sector

Financials

Employees

249

CEO

James A. Hughes, MBA, CPA

Website

www.unitybank.com

Headquarters

Clinton, NJ 08809, US

UNTY Financials

Key Financial Metrics (TTM)

Gross Margin

63.36%

Operating Margin

37.00%

Net Income Margin

27.99%

Return on Equity

16.64%

Return on Capital

12.34%

Return on Assets

1.84%

Earnings Yield

9.71%

Dividend Yield

1.05%

Payout Ratio

10.27%

Stock Overview

Market Cap

$593.62MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

10.04M

Volume

24.99K

Avg. Volume

64.45K

Financials (TTM)

Gross Profit

$132.69M

Operating Income

$77.49M

EBITDA

$78.57M

Operating Cash Flow

$28.55M

Capital Expenditure

-$1.48M

Free Cash Flow

$27.07M

Cash & ST Invst.

$369.62M

Total Debt

$326.43M

Unity Bancorp Performance Analysis

Unity Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 108,784,00012.3%
20232023-12-31USD 151,636,00039.4%
20242024-12-31USD 167,860,00010.7%
20252025-12-31USD 188,407,00012.2%
Unity Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3025.6%
Q42025-12-31-21.1%
Q12026-03-31-3.4%
Q22026-06-301.0%
Unity Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20232023-03-31USD 0.96-73.3%
20232023-12-31USD 3.84-73.3%
20242024-12-31USD 4.065.8%
20252025-12-31USD 5.6739.5%
Unity Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-12.4%
Q42025-12-317.8%
Q12026-03-31-7.9%
Q22026-06-301.4%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$48.56M

-3.2%

Gross Profit

$32.58M

-5.0%

Gross Margin

67.10%

N/A

Market Cap

$593.62MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$2.38M

N/A

Employees

249

N/A

Net Income

$14.47M

-12.2%

EBITDA

$18.65M

-14.5%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$369.62M

+20.9%

Total Debt

$326.43M

-15.7%

Accounts Receivable

$12.99M

+4.6%

Inventory

$0.00

N/A

Long Term Debt

$10.31M

-97.3%

Short Term Debt

$316.12M

N/A

Return on Assets

1.84%

N/A

Return on Invested Capital

18.77%

N/A

Free Cash Flow

-$38.84M

-52.3%

Operating Cash Flow

-$38.75M

-53.0%

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Questions About UNTY

What is the current price of Unity Bancorp?

Unity Bancorp is trading at $59.43 per share.

What is the 52-week range for Unity Bancorp?

Over the past 52 weeks, Unity Bancorp has traded between $44.34 and $62.50.

How much debt does Unity Bancorp have?

As of the most recent reporting period, Unity Bancorp reported total debt of $326.43M.

How much cash does Unity Bancorp have on hand?

Unity Bancorp does not have cash on hand data available.

What is Unity Bancorp’s dividend yield?

Unity Bancorp currently has a dividend yield of 1.05%.

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