Unity Bancorp (UNTY) Stock Price, News & Analysis

Company Overview

Unity Bancorp, Inc. is a bank holding company headquartered in Morrisville, Pennsylvania, trading on the NASDAQ under the ticker UNTY. Through its primary subsidiary, Unity Bank, the company delivers a comprehensive suite of commercial and retail banking services to individuals, businesses and municipal clients in its regional markets.

Founded in 1906, Unity Bank maintains a network of conveniently located branches across Bucks County and adjacent areas of southeastern Pennsylvania. The company’s deposit portfolio includes checking and savings accounts, money market accounts and certificates of deposit, while its loan offerings encompass commercial real estate, construction and land development, agricultural and consumer lending solutions.

Beyond traditional deposit and lending activities, Unity Bancorp provides cash management and merchant services, as well as internet and mobile banking platforms designed to streamline day-to-day financial operations. The company also offers trust and wealth management services and participates in Small Business Administration lending programs to support the financing needs of small and mid-sized enterprises within its communities.

Unity Bancorp is governed by a board of directors and seasoned executive team committed to community banking principles. Emphasizing local decision-making and personalized customer relationships, the company focuses on fostering economic growth in southeastern Pennsylvania through targeted lending initiatives and community reinvestment programs.

Key Stats

• Today's Range: $51.81 to $52.61
• 50-Day Range: $46.48 to $53.99
• 52-Week Range: $32.23 to $54.64
• Volume: 22,812 shs
• Average Volume: 26,667 shs
• Market Capitalization: $520.46 million
• P/E Ratio: 10.50
• Dividend Yield: 1.16%
• Price Target: $56.50
• Consensus Rating: Buy

Unity Bancorp Stock Analysis - MarketRank™

Unity Bancorp scored higher than 80% of companies evaluated by MarketBeat, and ranked 336th out of 957 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: 2.4 / 5
• Analyst Rating: Buy

Consensus Rating

Unity Bancorp has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 2 buy ratings, no hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for Unity Bancorp is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Unity Bancorp has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 12.63%

Earnings Growth

Earnings for Unity Bancorp are expected to grow by 12.63% in the coming year, from $4.83 to $5.44 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Unity Bancorp is 10.50, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.90.

Price to Earnings Ratio vs. Sector

The P/E ratio of Unity Bancorp is 10.50, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 245.86.

Price to Book Value per Share Ratio

Unity Bancorp has a P/B Ratio of 1.75. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.02% 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 1.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Unity Bancorp has recently decreased by 2.72%, indicating that investor sentiment is improving.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Unity Bancorp pays a meaningful dividend of 1.13%, 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 12.15%. 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 11.03% next year. This indicates that Unity Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.02% 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 1.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Unity Bancorp has recently decreased by 2.72%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.6 / 5
• News Sentiment: 1.61

News Sentiment

Unity Bancorp has a news sentiment score of 1.61. 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 is a higher news sentiment than the 1.06 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Unity Bancorp this week, compared to 3 articles on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Unity Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

29.68% 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.

UNTY Stock Analysis - Frequently Asked Questions

How have UNTY shares performed this year?

Unity Bancorp's stock was trading at $43.61 on January 1st, 2025. Since then, UNTY stock has increased by 19.0% and is now trading at $51.89.

How were Unity Bancorp's earnings last quarter?

Unity Bancorp, Inc. (NASDAQ:UNTY) issued its quarterly earnings data on Tuesday, July, 15th. The financial services provider reported $1.20 earnings per share for the quarter, topping analysts' consensus estimates of $1.17 by $0.03. The financial services provider had revenue of $34.37 million for the quarter, compared to the consensus estimate of $30.30 million. Unity Bancorp had a net margin of 28.72% and a trailing twelve-month return on equity of 15.34%.

Who are Unity Bancorp's major shareholders?

Top institutional investors of Unity Bancorp include Alliancebernstein L.P. (3.48%), Geode Capital Management LLC (1.64%), American Century Companies Inc. (1.63%) and Bridgeway Capital Management LLC (0.85%). Insiders that own company stock include David D Dallas, James A Hughes, Wayne Courtright, Mark S Brody, John J Kauchak, Peter E Maricondo, Mary E Gross, David G Bove, Donald E Jr Souders, Vincent Geraci, George Boyan, James Joseph Donovan and Minsu Kim.
View institutional ownership trends.

How do I buy shares of Unity Bancorp?

Shares of UNTY stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Unity Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Unity Bancorp investors own include NVIDIA (NVDA), Meta Platforms (META), Broadcom (AVGO), Advanced Micro Devices (AMD), ServiceNow (NOW), Adobe (ADBE) and Arista Networks (ANET).

Company Calendar

• Record date for 6/20 Dividend: 6/06/2025
• Ex-Dividend for 6/20 Dividend: 6/06/2025
• Dividend Payable: 6/20/2025
• Last Earnings: 7/15/2025
• Record date for 9/19 Dividend: 9/05/2025
• Ex-Dividend for 9/19 Dividend: 9/05/2025
• Today: 9/13/2025
• Dividend Payable: 9/19/2025
• Next Earnings (Estimated): 10/10/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:UNTY
• CIK: 920427
• Web: www.unitybank.com
• Phone: (908) 730-7630
• Fax: 908-730-9430
• Employees: 230
• Year Founded: 1991

Price Target and Rating

• Average Price Target for Unity Bancorp: $56.50
• High Price Target: $63.00
• Low Price Target: $50.00
• Potential Upside/Downside: +8.9%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.94
• Trailing P/E Ratio: 10.50
• Forward P/E Ratio: 10.74
• P/E Growth: N/A
• Net Income: $41.45 million
• Net Margins: 28.72%
• Pretax Margin: 37.53%
• Return on Equity: 15.34%
• Return on Assets: 1.68%

Debt

• Debt-to-Equity Ratio: 1.21
• Current Ratio: 1.20
• Quick Ratio: 1.20

Sales & Book Value

• Annual Sales: $164.21 million
• Price / Sales: 3.17
• Cash Flow: $4.28 per share
• Price / Cash Flow: 12.11
• Book Value: $29.60 per share
• Price / Book: 1.75

Miscellaneous

• Outstanding Shares: 10,030,000
• Free Float: 7,055,000
• Market Cap: $520.46 million
• Optionable: Optionable
• Beta: 0.79