Unity Bancorp Inc (UNTY)vsU.S. Bancorp (USB)
UNTY
Unity Bancorp Inc
$57.73
-0.35%
FINANCIAL SERVICES · Cap: $583.24M
USB
U.S. Bancorp
$59.60
+1.75%
FINANCIAL SERVICES · Cap: $91.50B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 20749% more annual revenue ($27.89B vs $133.75M). UNTY leads profitability with a 46.1% profit margin vs 30.0%. UNTY appears more attractively valued with a PEG of 0.99. UNTY earns a higher WallStSmart Score of 76/100 (B+).
UNTY
Strong Buy76
out of 100
Grade: B+
USB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 57.1%
Growing faster than its price suggests
Earnings expanding 20.6% YoY
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : UNTY
The strongest argument for UNTY centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 46.1% and operating margin at 57.1%. Revenue growth of 10.3% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.
Bear Case : UNTY
The primary concerns for UNTY are Market Cap, Free Cash Flow, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.02 — expect wider price swings.
UNTY is growing revenue faster at 10.3% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UNTY scores higher overall (76/100 vs 73/100), backed by strong 46.1% margins and 10.3% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Unity Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Unity Bancorp, Inc. is the holding company of Unity Bank providing commercial and retail banking products and services to individuals, small and medium-sized businesses and professional communities. The company is headquartered in Clinton, New Jersey.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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