Unity Bancorp (UNTY) Competitors

Unity Bancorp (NASDAQ:UNTY) and CNB Financial (NASDAQ:CCNE) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their dividends, risk, analyst recommendations, valuation, institutional ownership, profitability, media sentiment and earnings.

Does the media prefer UNTY or CCNE?

In the previous week, CNB Financial had 7 more articles in the media than Unity Bancorp. MarketBeat recorded 9 mentions for CNB Financial and 2 mentions for Unity Bancorp. Unity Bancorp's average media sentiment score of 1.52 beat CNB Financial's score of 0.98 indicating that Unity Bancorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Unity Bancorp	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
CNB Financial	1 Very Positive mention(s)	1 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more volatility & risk, UNTY or CCNE?

Unity Bancorp has a beta of 0.72, meaning that its stock price is 28% less volatile than the S&P 500. Comparatively, CNB Financial has a beta of 0.64, meaning that its stock price is 36% less volatile than the S&P 500.

Do analysts prefer UNTY or CCNE?

Unity Bancorp currently has a consensus target price of $56.50, suggesting a potential upside of 12.66%. CNB Financial has a consensus target price of $27.75, suggesting a potential upside of 15.58%. Given CNB Financial's higher possible upside, analysts clearly believe CNB Financial is more favorable than Unity Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Unity Bancorp	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00
CNB Financial	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50

Is UNTY or CCNE a better dividend stock?

Unity Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 1.1%. CNB Financial pays an annual dividend of $0.72 per share and has a dividend yield of 3.0%. Unity Bancorp pays out 11.3% of its earnings in the form of a dividend. CNB Financial pays out 30.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Unity Bancorp has increased its dividend for 12 consecutive years and CNB Financial has increased its dividend for 1 consecutive years.

Is UNTY or CCNE more profitable?

Unity Bancorp has a net margin of 28.72% compared to CNB Financial's net margin of 14.56%. Unity Bancorp's return on equity of 15.66% beat CNB Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Unity Bancorp	28.72%	15.66%	1.72%
CNB Financial	14.56%	9.90%	0.89%

Which has preferable earnings & valuation, UNTY or CCNE?

CNB Financial has higher revenue and earnings than Unity Bancorp. CNB Financial is trading at a lower price-to-earnings ratio than Unity Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Unity Bancorp	$164.21M	3.06	$41.45M	$4.94	10.15
CNB Financial	$364.58M	1.38	$54.58M	$2.38	10.09

Do insiders & institutionals believe in UNTY or CCNE?

42.3% of Unity Bancorp shares are owned by institutional investors. Comparatively, 52.4% of CNB Financial shares are owned by institutional investors. 29.7% of Unity Bancorp shares are owned by insiders. Comparatively, 2.8% of CNB Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Summary

Unity Bancorp beats CNB Financial on 13 of the 19 factors compared between the two stocks.