Unity Bancorp, Inc. (UNTY) Stock

Unity Bancorp, Inc. (UNTY) is a Financials stock trading at $59.48 (as of 2026-08-21), with a market capitalization of $597.23M and a trailing P/E of 10.4. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Unity Bancorp, Inc. is a holding company for Unity Bank, providing commercial and retail banking services. Its offerings include deposit products and loans such as SBA, commercial, residential mortgage and consumer lending, delivered through the Internet and branch offices in New Jersey and Pennsylvania to individuals, small and medium-sized businesses, and professional communities.

Understand Unity Bancorp, Inc.: how it makes money

Unity Bancorp, Inc. operates Unity Bank, which provides commercial and retail banking products and services, including deposit accounts, lending (such as SBA loans, commercial loans, residential mortgages and consumer loans), and related banking services.

Bank earnings are structurally tied to how much the bank lends versus how much funding it has from deposits, which is summarized by the Loan to Deposit Ratio.

Business quality (Strong): Latest quarter shows an operating margin of 40.9% (2026-03-31) alongside a Loan to Deposit Ratio of 107.6, highlighting a profit model centered on deposit funding versus loan volume.

Valuation: At 9× earnings, UNTY trades 27% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Loan-to-deposit balance is measurable: The company’s funding versus lending posture is captured by its Loan to Deposit Ratio (107.6), giving investors a concrete operating lens on the core banking engine.

Bear case

  • Higher lending relative to deposits can increase funding pressure: A Loan to Deposit Ratio above 100 suggests loans exceed deposits, which can raise sensitivity to how reliably deposit funding holds up and how the bank manages funding needs.
Valuation — source: SEC EDGAR (first-party)
Price$59.48
Market Cap$597.23M
P/E Ratio10.4
EV / EBITDA4.7
Price / Book1.61
Price / Sales3.29
Dividend Yield1.0%
FCF Yield7.0%
DCF Value (model)$134.20
DCF Upside vs Price125.6%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$173.63M
Net Margin33.4%
Return on Equity15.8%
Debt / Equity0.62
Revenue Growth (YoY)11.5%
EPS Growth (YoY)40.0%
FCF Growth (YoY)-6.2%
Valuation vs Sector & Industry
Stock P/E10.4
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-31.1%
vs Industry-19.8%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($26.33M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOJames A. Hughes
Employees227
CountryUS
IPO Date1997-01-14

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UNTY earnings history · UNTY institutional & insider holders · UNTY KPIs & operating metrics · UNTY financials · UNTY investor presentations & press releases · UNTY SEC filings · UNTY peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.