Unity Bancorp (UNTY) Stock Price, News & Analysis

Company Overview

Unity Bancorp, Inc. is the bank holding company for Unity Bank, a community-focused financial institution serving individuals, families and businesses in New Jersey and eastern Pennsylvania. Headquartered in Clinton, New Jersey, Unity Bank operates through a network of branches and provides relationship-based banking services to customers in its local markets.

The bank offers a range of deposit products, including checking, savings, money market accounts and certificates of deposit. Its lending activities include commercial and industrial loans, commercial real estate financing, residential mortgages, home equity loans and consumer loans. Unity Bank also provides business cash-management services, online and mobile banking, debit cards and other treasury-management solutions.

Unity Bancorp was established in 1991 and has expanded its presence across communities in central and northern New Jersey and neighboring areas of Pennsylvania. The company is led by James A. Hughes, who serves as president and chief executive officer of Unity Bancorp and Unity Bank.

Key Stats

• Today's Range: $54.28 to $55.39
• 50-Day Range: $54.22 to $61.82
• 52-Week Range: $44.34 to $62.50
• Volume: 39,646 shs
• Average Volume: 60,416 shs
• Market Capitalization: $545.64 million
• P/E Ratio: 9.45
• Dividend Yield: 1.25%
• Price Target: $65.50
• Consensus Rating: Buy

Unity Bancorp Stock Analysis - MarketRank™

Unity Bancorp scored higher than 97% of companies evaluated by MarketBeat, and ranked 76th out of 853 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.8 / 5
• Analyst Rating: Buy

Consensus Rating

Unity Bancorp has received a consensus rating of Buy. The company's average rating score is 3.17, and is based on 1 strong buy rating, 5 buy ratings, no hold ratings, and no sell ratings.

Upside Potential

Unity Bancorp has a consensus price target of $65.50, representing about 20.6% upside from its current price of $54.33.

Amount of Analyst Coverage

Unity Bancorp has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 8.21%

Earnings Growth

Earnings for Unity Bancorp are expected to grow by 8.21% in the coming year, from $5.85 to $6.33 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Unity Bancorp is 9.45, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.06.

Price to Earnings Ratio vs. Sector

The P/E ratio of Unity Bancorp is 9.45, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.74.

Price to Book Value per Share Ratio

Unity Bancorp has a P/B Ratio of 1.58. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.05% of the float of Unity Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Unity Bancorp has a short interest ratio ("days to cover") of 3.33, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Unity Bancorp has recently increased by 34.27%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Unity Bancorp pays a meaningful dividend of 1.25%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Unity Bancorp has been increasing its dividend for 12 years.

Dividend Coverage

The dividend payout ratio of Unity Bancorp is 11.83%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Unity Bancorp will have a dividend payout ratio of 10.74% next year. This indicates that Unity Bancorp will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: 0.56

News Sentiment

Unity Bancorp has a news sentiment score of 0.56. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Unity Bancorp this week, compared to 2 articles on an average week.

MarketBeat Follows

1 people have added Unity Bancorp to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.9 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Unity Bancorp insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $434,725.00 in company stock.

Percentage Held by Insiders

28.87% of the stock of Unity Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

42.31% of the stock of Unity Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 7/14/2026
• Record date for 9/17 Dividend: 9/03/2026
• Ex-Dividend for 9/17 Dividend: 9/03/2026
• Dividend Payable: 9/17/2026
• Today: 10/10/2026
• Next Earnings (Estimated): 10/13/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:UNTY
• CIK: 920427
• Web: www.unitybank.com
• Phone: (908) 730-7630
• Fax: 908-730-9430
• Employees: 245
• Year Founded: 1991

Price Target and Rating

• Average Price Target for Unity Bancorp: $65.50
• High Price Target: $68.00
• Low Price Target: $61.00
• Potential Upside/Downside: +20.6%
• Consensus Rating: Buy
• Rating Score (0-4): 3.17
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.75
• Trailing P/E Ratio: 9.45
• Forward P/E Ratio: 9.29
• P/E Growth: N/A
• Net Income: $57.95 million
• Net Margins: 30.26%
• Pretax Margin: 39.08%
• Return on Equity: 16.10%
• Return on Assets: 1.88%

Debt

• Debt-to-Equity Ratio: 0.88
• Current Ratio: 1.17
• Quick Ratio: 1.17

Sales & Book Value

• Annual Sales: $134.79 million
• Price / Sales: 4.05
• Cash Flow: $4.21 per share
• Price / Cash Flow: 12.92
• Book Value: $34.43 per share
• Price / Book: 1.58

Miscellaneous

• Outstanding Shares: 10,043,000
• Free Float: 7,144,000
• Market Cap: $545.64 million
• Optionable: Optionable
• Beta: 0.65