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Unity Bancorp(NASDAQ) UNTY

Current Price$58.02
Market Cap$582.82MMarket 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)+1,575%
5 Year+174%
1 Year+14%
1 Month-0%
Unity Bancorp last closing stock price
MetricPriceDate
Last closeUSD 58.052026-07-24
Unity Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+1.39%USD 57.252026-07-17
1 month-0.16%USD 58.142026-06-24
3 month+11.05%USD 52.272026-04-24
Year to date+12.92%USD 51.402025-12-31
1 year+13.92%USD 50.952025-07-24
3 year+131.05%USD 25.122023-07-25
5 year+174.08%USD 21.182021-07-23
Since inception+1,575.08%USD 3.471995-11-21

Unity Bancorp Financials at a Glance

Market Cap

$582.82MMarket 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

10.10

Dividend

$0.62

Beta (Volatility)

0.60 (Low)

Price

$58.02

Volume

3,254

Open

$57.42

Previous Close

$58.02

Daily Range

$57.42 - $58.70

52-Week Range

$44.34 - $60.86

Estimated Earnings Date

Oct 13, 2026

UNTY News

No articles available.

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About Unity Bancorp

Unity helps people and small businesses manage their money. It provides tools for daily banking and home loans. These services support communities across New Jersey and Pennsylvania.

Banking Tools for Every Need

  • Commercial Real Estate: Mortgages and construction loans for business properties and industrial projects.
  • SBA Lending: Specialized loans for small business startups and operations backed by the government.
  • Personal Banking: Daily financial tools including checking accounts, savings accounts, and residential mortgages.
  • Deposit Services: Specialized accounts for professional communities, local municipalities, and medium-sized businesses.

Expanding the Local Footprint

  • Acquired the Bank in 1994 to serve as a new holding company for all operations.
  • Expanded the physical network to 22 branches across eight New Jersey counties and Northampton County, Pennsylvania.
  • Partnered with IntraFi Network LLC to offer reciprocal deposits that provide additional insurance coverage for customers.
  • Organized Unity (NJ) Statutory Trust II to issue preferred securities to investors.

Why Customers Choose Unity

The company uses local decision-making and personal service to compete with much larger national banks. It also maintains a dedicated focus on Small Business Administration loans to help local entrepreneurs grow their companies.

A Look at the Numbers

  • Net income reached $14.3 million in Q1 2026, up 23.2% year-over-year.
  • Revenue hit $48.1 million in Q1 2026, up 12% from $42.9 million in Q1 2025.
  • Operating income rose to $19.2 million in Q1 2026, up 24.7% from the previous year.
  • Time deposits totaled $882.9 million as of December 31, 2025, representing 38% of all deposits.

The Evolution of Unity

Unity has transitioned from a single-bank operation into a regional holding company with a large branch network. Its focus on real estate-secured lending and small business support has established its place in the New York metropolitan area.

AI Generated • May 5, 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

9.90%

Dividend Yield

1.07%

Payout Ratio

9.89%

Stock Overview

Market Cap

$582.82MMarket 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

3.25K

Avg. Volume

58.65K

Financials (TTM)

Gross Profit

$132.69M

Operating Income

$77.49M

EBITDA

$78.57M

Operating Cash Flow

$41.97M

Capital Expenditure

-$1.57M

Free Cash Flow

$40.40M

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 164,207,0008.3%
20252025-12-31USD 188,407,00014.7%
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

$582.82MMarket 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

$2.57M

N/A

Employees

227

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

$14.50M

-17.5%

Operating Cash Flow

$14.92M

-16.4%

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Questions About UNTY

What is the current price of Unity Bancorp?

Unity Bancorp is trading at $58.02 per share.

What is the 52-week range for Unity Bancorp?

Over the past 52 weeks, Unity Bancorp has traded between $44.34 and $60.86.

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 1.07%.

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