Unity Bancorp (UNTY) Competitors

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

Does the media refer more to CCNE or UNTY?

In the previous week, CNB Financial and CNB Financial both had 3 articles in the media. CNB Financial's average media sentiment score of 1.60 beat Unity Bancorp's score of 1.41 indicating that CNB Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
CNB Financial	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
Unity Bancorp	1 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do insiders and institutionals have more ownership in CCNE or UNTY?

52.4% of CNB Financial shares are owned by institutional investors. Comparatively, 42.3% of Unity Bancorp shares are owned by institutional investors. 2.8% of CNB Financial shares are owned by company insiders. Comparatively, 29.7% of Unity Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Is CCNE or UNTY a better dividend stock?

CNB Financial pays an annual dividend of $0.72 per share and has a dividend yield of 2.9%. Unity Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 1.2%. CNB Financial pays out 30.3% of its earnings in the form of a dividend. Unity Bancorp pays out 12.1% 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. CNB Financial has raised its dividend for 1 consecutive years and Unity Bancorp has raised its dividend for 12 consecutive years.

Is CCNE or UNTY 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 15.34% beat CNB Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
CNB Financial	14.56%	9.79%	0.89%
Unity Bancorp	28.72%	15.34%	1.68%

Do analysts prefer CCNE or UNTY?

CNB Financial presently has a consensus price target of $27.75, indicating a potential upside of 10.51%. Unity Bancorp has a consensus price target of $56.50, indicating a potential upside of 11.68%. Given Unity Bancorp's stronger consensus rating and higher probable upside, analysts clearly believe Unity Bancorp is more favorable than CNB Financial.

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

Which has more risk and volatility, CCNE or UNTY?

CNB Financial has a beta of 0.72, meaning that its stock price is 28% less volatile than the S&P 500. Comparatively, Unity Bancorp has a beta of 0.79, meaning that its stock price is 21% less volatile than the S&P 500.

Which has better earnings and valuation, CCNE or UNTY?

CNB Financial has higher revenue and earnings than Unity Bancorp. Unity Bancorp is trading at a lower price-to-earnings ratio than CNB Financial, 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
CNB Financial	$364.58M	2.03	$54.58M	$2.38	10.55
Unity Bancorp	$164.21M	3.09	$41.45M	$4.94	10.24

Summary

Unity Bancorp beats CNB Financial on 12 of the 18 factors compared between the two stocks.