Unity Bancorp (UNTY) Competitors

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

Which has more volatility and risk, CCNE or UNTY?

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

Do analysts prefer CCNE or UNTY?

CNB Financial presently has a consensus price target of $25.75, indicating a potential upside of 5.62%. Unity Bancorp has a consensus price target of $52.50, indicating a potential upside of 0.41%. Given CNB Financial's higher probable upside, equities analysts clearly believe CNB Financial is more favorable than Unity Bancorp.

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 higher valuation and earnings, CCNE or UNTY?

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
CNB Financial	$364.58M	1.40	$54.58M	$2.33	10.46
Unity Bancorp	$164.21M	3.19	$41.45M	$4.26	12.27

Do insiders & institutionals believe in CCNE or UNTY?

52.4% of CNB Financial shares are held by institutional investors. Comparatively, 42.3% of Unity Bancorp shares are held by institutional investors. 2.8% of CNB Financial shares are held by company insiders. Comparatively, 29.7% of Unity Bancorp 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.

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 3.0%. Unity Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 1.1%. CNB Financial pays out 30.9% of its earnings in the form of a dividend. Unity Bancorp pays out 13.1% 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 increased its dividend for 1 consecutive years and Unity Bancorp has increased its dividend for 12 consecutive years.

Does the media prefer CCNE or UNTY?

In the previous week, CNB Financial had 1 more articles in the media than Unity Bancorp. MarketBeat recorded 5 mentions for CNB Financial and 4 mentions for Unity Bancorp. CNB Financial's average media sentiment score of 0.89 beat Unity Bancorp's score of 0.40 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)	1 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Unity Bancorp	1 Very Positive mention(s)	1 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Is CCNE or UNTY more profitable?

Unity Bancorp has a net margin of 25.95% compared to CNB Financial's net margin of 14.50%. Unity Bancorp's return on equity of 14.99% beat CNB Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
CNB Financial	14.50%	9.80%	0.88%
Unity Bancorp	25.95%	14.99%	1.63%

Summary

Unity Bancorp beats CNB Financial on 12 of the 19 factors compared between the two stocks.