UNTY
Unity Bancorp Inc
NASDAQ: UNTY · FINANCIAL SERVICES · BANKS - REGIONAL
$58.79
-0.39% today
Updated 2026-07-29
Market cap
$574.84M
P/E ratio
9.96
P/S ratio
4.41x
EPS (TTM)
$5.75
Dividend yield
1.05%
52W range
$44 – $61
Volume
0.1M
WallStSmart proprietary scores
62
out of 100
Grade: C+
Hold
Investment rating
4.7
Growth
C4.0
Quality
C8.0
Profitability
A7.7
Valuation
B+5/9
Piotroski F-Score
Moderate
-0.5
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →206 stocks currently score above 75
Price targets
Analyst target
$68.55
+16.60%
12-Month target
$50.87
-13.47%
Intrinsic (DCF)
—
Margin of safety
—
2 Strong Buy2 Buy0 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 45.00% — above average
+ Free cash flow $14.50M — positive
Risks
- Altman Z -0.46 — distress zone
- Revenue declining -5.70% QoQ
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $108.27M | $150.72M | $163.07M | $188.41M | $130.43M |
| Net income | $38.46M | $39.71M | $41.45M | $57.95M | $14.29M |
| EPS | — | — | — | — | $5.75 |
| Free cash flow | $41.19M | $45.95M | $47.29M | $44.34M | $14.50M |
| Profit margin | 35.52% | 26.35% | 25.42% | 30.76% | 45.00% |
Recent insider activity
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-12 | SHARABBA, DANIEL C | Sale | 90 | $55.45 |
| 2026-05-27 | BRODY, MARK S | Sale | 1,600 | — |
| 2026-05-27 | BRODY, MARK S | Buy | 1,600 | $15.70 |
Peer comparison
Smart narrative
Unity Bancorp Inc trades at $58.79. representing a P/E of 9.96x trailing earnings. Our Smart Value Score of 62/100 indicates the stock is good. The company scores 5/9 on the Piotroski F-Score. With an Altman Z-Score of -0.46, it sits in the distress. TTM revenue stands at $130.43M. with profit margins at 45.00%.
Frequently asked questions
What is Unity Bancorp Inc's stock price?
Unity Bancorp Inc (UNTY) trades at $58.79, on a P/E of 10.0x and a P/S of 4.4x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Unity Bancorp Inc overvalued?
Unity Bancorp Inc carries a Smart Value Score of 62/100 (Grade C+), which we rate Hold. That score blends growth, quality, and valuation into one read.
What is the price target of Unity Bancorp Inc (UNTY)?
The 12-month analyst consensus target is $68.55, about 16.6% above the current $58.79. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Unity Bancorp Inc's revenue?
Unity Bancorp Inc's trailing twelve-month revenue is $130.43M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Unity Bancorp Inc's Altman Z-Score is -0.46, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio4.41x
ROE16.94%
Beta0.63
50D MA$55.56
200D MA$52.59
Shares out0.01B
Float0.01B
Short ratio—
Avg volume0.1M
Performance
1 week+1.64%
1 month-2.51%
3 months+9.73%
YTD+12.23%
1 year—
3 years—
5 years—