Unity Bancorp Net Income
| UNTY Stock | USD 53.27 0.94 1.73% |
As of the 19th of February, Unity Bancorp has the Risk Adjusted Performance of 0.0992, semi deviation of 1.24, and Coefficient Of Variation of 843.51. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Unity Bancorp, as well as the relationship between them.
Unity Bancorp Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 6.0577 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 47.7 M | 50.1 M | |
| Net Income Applicable To Common Shares | 44.2 M | 46.4 M | |
| Net Income From Continuing Ops | 47.7 M | 50.1 M | |
| Net Income Per Share | 5.78 | 6.06 | |
| Net Income Per E B T | 0.77 | 0.58 |
Unity | Net Income | Build AI portfolio with Unity Stock |
The evolution of Net Income for Unity Bancorp provides essential context for understanding the company's financial health trajectory. By analyzing this metric's behavior over time, investors can assess whether recent trends align with long-term patterns, and how Unity Bancorp compares to historical norms and industry peers.
Latest Unity Bancorp's Net Income Growth Pattern
Below is the plot of the Net Income of Unity Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Unity Bancorp financial statement analysis. It represents the amount of money remaining after all of Unity Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Unity Bancorp's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Unity Bancorp's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 41.45 M | 10 Years Trend |
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Net Income |
| Timeline |
Unity Net Income Regression Statistics
| Arithmetic Mean | 23,454,150 | |
| Geometric Mean | 14,524,242 | |
| Coefficient Of Variation | 81.95 | |
| Mean Deviation | 15,787,806 | |
| Median | 21,919,000 | |
| Standard Deviation | 19,221,070 | |
| Sample Variance | 369.4T | |
| Range | 59.8M | |
| R-Value | 0.97 | |
| Mean Square Error | 25.3T | |
| R-Squared | 0.94 | |
| Slope | 3,682,185 | |
| Total Sum of Squares | 5911.2T |
Unity Net Income History
Other Fundumenentals of Unity Bancorp
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Unity Bancorp Net Income component correlations
Unity Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Unity Bancorp is extremely important. It helps to project a fair market value of Unity Stock properly, considering its historical fundamentals such as Net Income. Since Unity Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Unity Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Unity Bancorp's interrelated accounts and indicators.
Click cells to compare fundamentals
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Unity Bancorp. If investors know Unity will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Unity Bancorp assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 0.354 | Dividend Share 0.58 | Earnings Share 5.67 | Revenue Per Share | Quarterly Revenue Growth 0.218 |
The market value of Unity Bancorp is measured differently than its book value, which is the value of Unity that is recorded on the company's balance sheet. Investors also form their own opinion of Unity Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Unity Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Unity Bancorp's market value can be influenced by many factors that don't directly affect Unity Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Unity Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Unity Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, Unity Bancorp's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
Unity Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Unity Bancorp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Unity Bancorp.
| 11/21/2025 |
| 02/19/2026 |
If you would invest 0.00 in Unity Bancorp on November 21, 2025 and sell it all today you would earn a total of 0.00 from holding Unity Bancorp or generate 0.0% return on investment in Unity Bancorp over 90 days. Unity Bancorp is related to or competes with Capital Bancorp, Peoples Fin, Northfield Bancorp, First Business, Peapack Gladstone, Bridgewater Bancshares, and Red River. Unity Bancorp, Inc. operates as the holding company for Unity Bank that provides commercial and retail banking products ... More
Unity Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Unity Bancorp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Unity Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.4 | |||
| Information Ratio | 0.091 | |||
| Maximum Drawdown | 7.55 | |||
| Value At Risk | (2.87) | |||
| Potential Upside | 3.33 |
Unity Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Unity Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Unity Bancorp's standard deviation. In reality, there are many statistical measures that can use Unity Bancorp historical prices to predict the future Unity Bancorp's volatility.| Risk Adjusted Performance | 0.0992 | |||
| Jensen Alpha | 0.1626 | |||
| Total Risk Alpha | 0.1123 | |||
| Sortino Ratio | 0.11 | |||
| Treynor Ratio | 0.2482 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of Unity Bancorp's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Unity Bancorp February 19, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0992 | |||
| Market Risk Adjusted Performance | 0.2582 | |||
| Mean Deviation | 1.31 | |||
| Semi Deviation | 1.24 | |||
| Downside Deviation | 1.4 | |||
| Coefficient Of Variation | 843.51 | |||
| Standard Deviation | 1.69 | |||
| Variance | 2.87 | |||
| Information Ratio | 0.091 | |||
| Jensen Alpha | 0.1626 | |||
| Total Risk Alpha | 0.1123 | |||
| Sortino Ratio | 0.11 | |||
| Treynor Ratio | 0.2482 | |||
| Maximum Drawdown | 7.55 | |||
| Value At Risk | (2.87) | |||
| Potential Upside | 3.33 | |||
| Downside Variance | 1.96 | |||
| Semi Variance | 1.55 | |||
| Expected Short fall | (1.58) | |||
| Skewness | 0.3466 | |||
| Kurtosis | (0.01) |
Unity Bancorp Backtested Returns
Unity Bancorp appears to be very steady, given 3 months investment horizon. Unity Bancorp owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.12, which indicates the firm had a 0.12 % return per unit of risk over the last 3 months. We have found twenty-seven technical indicators for Unity Bancorp, which you can use to evaluate the volatility of the company. Please review Unity Bancorp's Semi Deviation of 1.24, coefficient of variation of 843.51, and Risk Adjusted Performance of 0.0992 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Unity Bancorp holds a performance score of 9. The entity has a beta of 0.77, which indicates possible diversification benefits within a given portfolio. As returns on the market increase, Unity Bancorp's returns are expected to increase less than the market. However, during the bear market, the loss of holding Unity Bancorp is expected to be smaller as well. Please check Unity Bancorp's downside variance, day median price, and the relationship between the maximum drawdown and skewness , to make a quick decision on whether Unity Bancorp's existing price patterns will revert.
Auto-correlation | 0.11 |
Insignificant predictability
Unity Bancorp has insignificant predictability. Overlapping area represents the amount of predictability between Unity Bancorp time series from 21st of November 2025 to 5th of January 2026 and 5th of January 2026 to 19th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Unity Bancorp price movement. The serial correlation of 0.11 indicates that less than 11.0% of current Unity Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.11 | |
| Spearman Rank Test | 0.19 | |
| Residual Average | 0.0 | |
| Price Variance | 2.05 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Unity Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Unity Bancorp reported net income of 41.45 M. This is 96.76% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 92.74% higher than that of the company.
Unity Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Unity Bancorp's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Unity Bancorp could also be used in its relative valuation, which is a method of valuing Unity Bancorp by comparing valuation metrics of similar companies.Unity Bancorp is currently under evaluation in net income category among its peers.
Unity Bancorp ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Unity Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Unity Bancorp's managers, analysts, and investors.Environmental | Governance | Social |
Unity Bancorp Institutional Holders
Institutional Holdings refers to the ownership stake in Unity Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Unity Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Unity Bancorp's value.| Shares | State Street Corp | 2025-06-30 | 122.2 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 91.2 K | Bridgeway Capital Management, Llc | 2025-06-30 | 84.9 K | Northern Trust Corp | 2025-06-30 | 77.3 K | Amvescap Plc. | 2025-06-30 | 67.3 K | Kennedy Capital Management Inc | 2025-06-30 | 59.5 K | John W. Rosenthal Capital Management, Inc. | 2025-06-30 | 52 K | Bb&t Corp. | 2025-06-30 | 50.6 K | Jpmorgan Chase & Co | 2025-06-30 | 49.8 K | Blackrock Inc | 2025-06-30 | 537.5 K | Banc Funds Co Llc | 2025-06-30 | 524.2 K |
Unity Fundamentals
| Return On Equity | 0.18 | ||||
| Return On Asset | 0.0206 | ||||
| Profit Margin | 0.45 % | ||||
| Operating Margin | 0.61 % | ||||
| Current Valuation | 590.69 M | ||||
| Shares Outstanding | 9.98 M | ||||
| Shares Owned By Insiders | 28.43 % | ||||
| Shares Owned By Institutions | 56.05 % | ||||
| Number Of Shares Shorted | 82.25 K | ||||
| Price To Earning | 11.25 X | ||||
| Price To Book | 1.57 X | ||||
| Price To Sales | 4.26 X | ||||
| Revenue | 188.41 M | ||||
| Gross Profit | 127.87 M | ||||
| EBITDA | 75.51 M | ||||
| Net Income | 41.45 M | ||||
| Cash And Equivalents | 163.38 M | ||||
| Cash Per Share | 15.51 X | ||||
| Total Debt | 266.08 M | ||||
| Debt To Equity | 12.83 % | ||||
| Book Value Per Share | 34.62 X | ||||
| Cash Flow From Operations | 47.99 M | ||||
| Short Ratio | 1.69 X | ||||
| Earnings Per Share | 5.67 X | ||||
| Target Price | 65.0 | ||||
| Number Of Employees | 242 | ||||
| Beta | 0.67 | ||||
| Market Capitalization | 544.24 M | ||||
| Total Asset | 2.97 B | ||||
| Retained Earnings | 243.94 M | ||||
| Annual Yield | 0.01 % | ||||
| Five Year Return | 1.49 % | ||||
| Net Asset | 2.97 B | ||||
| Last Dividend Paid | 0.58 |
About Unity Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Unity Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Unity Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Unity Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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When running Unity Bancorp's price analysis, check to measure Unity Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Unity Bancorp is operating at the current time. Most of Unity Bancorp's value examination focuses on studying past and present price action to predict the probability of Unity Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Unity Bancorp's price. Additionally, you may evaluate how the addition of Unity Bancorp to your portfolios can decrease your overall portfolio volatility.