Stock UNTY UNITY BANCORP, INC.
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Financials Unity Bancorp, Inc.

Equities

UNTY

US9132901029

Banks

Real-time Estimate Cboe BZX
Other stock markets
 03:41:38 2024-04-29 pm EDT 		5-day change 1st Jan Change
27.22 USD -1.45% Intraday chart for Unity Bancorp, Inc. +2.64% -6.66%
Apr. 25 Transcript : Unity Bancorp, Inc. - Shareholder/Analyst Call
Apr. 12 Unity Bancorp Q1 Earnings Decline, Revenue Rises MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 245.3 185.4 272.3 288.2 297.6 277.4 -
Enterprise Value (EV) 1 245.3 185.4 272.3 288.2 297.6 277.4 277.4
P/E ratio 10.5 x 8.01 x 7.65 x 7.61 x 7.71 x 7.36 x 6.53 x
Yield 1.37% 1.82% 1.37% 1.57% 1.62% 1.88% 1.87%
Capitalization / Revenue 3.65 x 2.4 x 3.06 x 2.94 x 2.89 x 2.64 x 2.42 x
EV / Revenue 3.65 x 2.4 x 3.06 x 2.94 x 2.89 x 2.64 x 2.42 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.53 x 1.06 x 1.33 x 1.21 x 1.14 x 0.95 x 0.84 x
Nbr of stocks (in thousands) 10,869 10,566 10,374 10,545 10,058 10,044 -
Reference price 2 22.57 17.55 26.25 27.33 29.59 27.62 27.62
Announcement Date 1/21/20 1/22/21 1/20/22 1/13/23 1/12/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 67.13 77.38 89.09 98.15 103.1 105.1 114.7
EBITDA - - - - - - -
EBIT 1 32.42 38.12 48.31 55.58 56.16 56 62.81
Operating Margin 48.29% 49.26% 54.23% 56.63% 54.45% 53.28% 54.76%
Earnings before Tax (EBT) 1 30.32 31.12 48.13 51.42 53 51.33 57.48
Net income 1 23.7 23.64 36.12 38.5 39.71 38.25 42.78
Net margin 35.3% 30.56% 40.54% 39.22% 38.5% 36.39% 37.3%
EPS 2 2.140 2.190 3.430 3.590 3.840 3.753 4.227
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.3100 0.3200 0.3600 0.4300 0.4800 0.5200 0.5167
Announcement Date 1/21/20 1/22/21 1/20/22 1/13/23 1/12/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 22.53 23.47 22.14 24.51 24.85 26.66 25.65 25.8 25.7 26.6 25.56 25.94 26.56 27.08 27.41
EBITDA - - - - - - - - - - - - - - -
EBIT 1 12.67 12.81 11.73 13.8 14.78 15.27 14.22 14.05 - 14.86 13.43 13.81 14.36 14.75 14.68
Operating Margin 56.24% 54.59% 52.99% 56.29% 59.5% 57.27% 55.44% 54.46% - 55.86% 52.53% 53.23% 54.08% 54.49% 53.53%
Earnings before Tax (EBT) 1 12.67 13.13 11.91 12.61 13.27 13.63 13.79 13.11 13.05 13.05 12.78 12.52 12.9 13.36 13.5
Net income 1 9.46 9.746 9.1 9.5 9.942 10 10.29 9.7 9.9 9.77 9.586 9.307 9.593 9.924 10.06
Net margin 41.98% 41.52% 41.1% 38.77% 40.01% 37.52% 40.11% 37.6% 38.52% 36.73% 37.51% 35.88% 36.12% 36.65% 36.68%
EPS 2 0.9000 0.9200 0.8500 0.8800 0.9300 0.9300 0.9600 0.9500 0.9700 0.9600 0.9300 0.9133 0.9433 0.9800 0.9933
Dividend per Share 2 0.0900 0.1000 0.1000 0.1100 0.1100 0.1100 0.1200 0.1200 0.1200 0.1200 0.1200 0.1300 0.1300 0.1300 0.1267
Announcement Date 10/15/21 1/20/22 4/14/22 7/14/22 10/14/22 1/13/23 4/17/23 7/14/23 10/13/23 1/12/24 4/12/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 15.9% 14.2% 19.2% 17.3% 16.1% 14% 13.8%
ROA (Net income/ Total Assets) 1.54% 1.35% 1.87% 1.8% 1.63% 1.52% 1.59%
Assets 1 1,539 1,751 1,931 2,139 2,436 2,522 2,696
Book Value Per Share 2 14.80 16.60 19.80 22.60 26.00 29.10 33.00
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/21/20 1/22/21 1/20/22 1/13/23 1/12/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Unity Bancorp, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
3
Last Close Price
27.62 USD
Average target price
33.33 USD
Spread / Average Target
+20.69%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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