Unity Bancorp (UNTY) Competitors

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

Do analysts prefer UNTY or CCNE?

Unity Bancorp presently has a consensus target price of $62.00, indicating a potential upside of 24.10%. CNB Financial has a consensus target price of $27.75, indicating a potential upside of 13.45%. Given Unity Bancorp's stronger consensus rating and higher possible upside, analysts clearly believe Unity Bancorp is more favorable than CNB Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Unity Bancorp	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00
CNB Financial	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.33

Which has more risk and volatility, UNTY or CCNE?

Unity Bancorp has a beta of 0.72, suggesting that its stock price is 28% less volatile than the S&P 500. Comparatively, CNB Financial has a beta of 0.68, suggesting that its stock price is 32% less volatile than the S&P 500.

Which has stronger valuation & earnings, UNTY or CCNE?

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
Unity Bancorp	$164.21M	3.05	$41.45M	$4.94	10.11
CNB Financial	$364.58M	1.98	$54.58M	$2.38	10.28

Is UNTY or CCNE more profitable?

Unity Bancorp has a net margin of 29.85% compared to CNB Financial's net margin of 14.56%. Unity Bancorp's return on equity of 15.94% beat CNB Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Unity Bancorp	29.85%	15.94%	1.76%
CNB Financial	14.56%	9.79%	0.89%

Does the media favor UNTY or CCNE?

In the previous week, Unity Bancorp had 6 more articles in the media than CNB Financial. MarketBeat recorded 9 mentions for Unity Bancorp and 3 mentions for CNB Financial. Unity Bancorp's average media sentiment score of 0.83 beat CNB Financial's score of 0.70 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	0 Very Positive mention(s)	4 Positive mention(s)	2 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive
CNB Financial	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is UNTY or CCNE a better dividend stock?

Unity Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 1.2%. CNB Financial pays an annual dividend of $0.72 per share and has a dividend yield of 2.9%. Unity Bancorp pays out 12.1% 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.

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

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

Summary

Unity Bancorp beats CNB Financial on 14 of the 19 factors compared between the two stocks.