Unity Bancorp Stock Analysis

Unity Stock Analysis Notes

About 28.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 1.51. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. Unity Bancorp recorded earning per share (EPS) of 5.67. The entity last dividend was issued on the 5th of December 2025. The firm had 11:10 split on the 13th of September 2016. Unity Bancorp, Inc. operates as the holding company for Unity Bank that provides commercial and retail banking products and services to individuals, small and medium sized businesses, and professional communities. Unity Bancorp, Inc. was incorporated in 1991 and is based in Clinton, New Jersey. Unity Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 222 people. For more information please call James CPA at 908 730 7630 or visit https://www.unitybank.com.

Unity Bancorp Investment Alerts

Unity Largest EPS Surprises

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Unity Bancorp Environmental, Social, and Governance (ESG) Scores

Unity Stock Institutional Investors

Note, although Unity Bancorp's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Unity Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 519.04 M.

Unity Profitablity

The company has Profit Margin (PM) of 0.45 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.61 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.61.

Management Efficiency

Unity Bancorp has return on total asset (ROA) of 0.0206 % which means that it generated a profit of $0.0206 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1808 %, meaning that it created $0.1808 on every $100 dollars invested by stockholders. Unity Bancorp's management efficiency ratios could be used to measure how well Unity Bancorp manages its routine affairs as well as how well it operates its assets and liabilities. Return On Tangible Assets is likely to rise to 0.02 in 2026. Return On Capital Employed is likely to rise to 0.13 in 2026. At this time, Unity Bancorp's Asset Turnover is fairly stable compared to the past year.

Technical Drivers

As of the 29th of January, Unity Bancorp has the Risk Adjusted Performance of 0.0671, coefficient of variation of 1200.25, and Semi Deviation of 1.44. 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 Price Movement Analysis

Unity Bancorp Insider Trading Activities

Unity Bancorp Outstanding Bonds

Unity Bancorp Predictive Daily Indicators

Unity Bancorp Corporate Filings

Unity Bancorp Forecast Models

Unity Bancorp's time-series forecasting models are one of many Unity Bancorp's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Unity Bancorp's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Unity Bancorp Debt to Cash Allocation

Unity Bancorp currently holds 266.08 M in liabilities with Debt to Equity (D/E) ratio of 12.83, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about Unity Bancorp's use of debt, we should always consider it together with its cash and equity.

Unity Bancorp Total Assets Over Time

Unity Bancorp Assets Financed by Debt

The debt-to-assets ratio shows the degree to which Unity Bancorp uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

Unity Bancorp Debt Ratio

7.77

It appears most of the Unity Bancorp's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Unity Bancorp's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Unity Bancorp, which in turn will lower the firm's financial flexibility.

Unity Bancorp Corporate Bonds Issued

Unity Short Long Term Debt Total

Stock analysis is the technique used by a trader or investor to examine and evaluate how Unity Bancorp prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Unity shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Unity Bancorp. By using and applying Unity Stock analysis, traders can create a robust methodology for identifying Unity entry and exit points for their positions.

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Unity analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Unity analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.

Unity Bancorp stock analysis indicators help investors evaluate how Unity Bancorp stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Unity Bancorp shares will generate the highest return on investment. By understating and applying Unity Bancorp stock analysis, traders can identify Unity Bancorp position entry and exit signals to maximize returns.

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.