Unity Bancorp Stock Analysis

UNTY Stock  USD 39.39  0.14  0.35%   
Unity Bancorp is overvalued with Real Value of 35.32 and Target Price of 48.0. The main objective of Unity Bancorp stock analysis is to determine its intrinsic value, which is an estimate of what Unity Bancorp is worth, separate from its market price. There are two main types of Unity Bancorp's stock analysis: fundamental analysis and technical analysis.
The Unity Bancorp stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Unity Bancorp is usually not traded on Thanksgiving Day, Christmas Day, New Year 's Day, National Mourning Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day, Labour Day. Unity Stock trading window is adjusted to America/New York timezone.
  
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Unity Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in estimate.
For more information on how to buy Unity Stock please use our How to Invest in Unity Bancorp guide.

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 1.34. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. Unity Bancorp last dividend was issued on the 14th of March 2025. The entity 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 Hughes at 908 730 7630 or visit https://www.unitybank.com.

Unity Bancorp Investment Alerts

Unity Bancorp generated a negative expected return over the last 90 days
About 28.0% of the company outstanding shares are owned by insiders
On 28th of March 2025 Unity Bancorp paid $ 0.14 per share dividend to its current shareholders
Latest headline from finance.yahoo.com: Unity Bancorp, Inc. is definitely on the radar of institutional investors who own 44 percent of the company

Unity Bancorp Upcoming and Recent Events

Earnings reports are used by Unity Bancorp to provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period..
15th of April 2024
Upcoming Quarterly Report
View
12th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
10th of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

Unity Largest EPS Surprises

Earnings surprises can significantly impact Unity Bancorp's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2010-02-03
2009-12-31-0.05-0.030.0240 
2010-04-22
2010-03-31-0.020.050.07350 
2020-10-21
2020-09-300.460.540.0817 
View All Earnings Estimates

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

Unity Bancorp's ESG score is a quantitative measure that evaluates Unity Bancorp's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Unity Bancorp's operations that may have significant financial implications and affect Unity Bancorp's stock price as well as guide investors towards more socially responsible investments.

Unity Stock Institutional Investors

Shares
Amvescap Plc.2024-12-31
100.8 K
American Century Companies Inc2024-12-31
98 K
State Street Corp2024-12-31
95.8 K
Bridgeway Capital Management, Llc2024-12-31
78.8 K
Morgan Stanley - Brokerage Accounts2024-12-31
72.8 K
Northern Trust Corp2024-12-31
61.7 K
Kennedy Capital Management Inc2024-12-31
57.4 K
Goldman Sachs Group Inc2024-12-31
52.4 K
John W. Rosenthal Capital Management, Inc.2024-12-31
52 K
Banc Funds Co Llc2024-12-31
715 K
Blackrock Inc2024-12-31
526.2 K
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 396.17 M.

Unity Profitablity

The company has Profit Margin (PM) of 0.4 %, 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 0.54 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.54.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.02  0.02 
Return On Capital Employed 0.06  0.06 
Return On Assets 0.02  0.02 
Return On Equity 0.14  0.15 

Management Efficiency

Unity Bancorp has return on total asset (ROA) of 0.0158 % which means that it generated a profit of $0.0158 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1488 %, meaning that it created $0.1488 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 2025. Return On Capital Employed is likely to rise to 0.06 in 2025. At this time, Unity Bancorp's Total Assets are fairly stable compared to the past year. Non Currrent Assets Other is likely to rise to about 2.7 B in 2025, whereas Non Current Assets Total are likely to drop slightly above 32.7 M in 2025.
Last ReportedProjected for Next Year
Book Value Per Share 29.47  30.94 
Tangible Book Value Per Share 29.32  30.78 
Enterprise Value Over EBITDA 13.94  14.16 
Price Book Value Ratio 1.48  1.40 
Enterprise Value Multiple 13.94  14.16 
Price Fair Value 1.48  1.40 
Enterprise Value153.2 M160.8 M
Understanding the operational decisions made by Unity Bancorp management offers insights into its financial robustness. This evaluation is crucial for assessing the stock's investment potential.
Dividend Yield
0.0144
Operating Margin
0.5417
Profit Margin
0.4019
Forward Dividend Yield
0.0144
Beta
0.808

Technical Drivers

As of the 13th of April 2025, Unity Bancorp has the Risk Adjusted Performance of (0.02), variance of 5.23, and Coefficient Of Variation of (7,902). 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

Study
Time Period
Deviations up
Deviations down
MA TypeQUmirC" id="optInMAType_input">
Execute Study
Cannot store to object array because "this.callOptInputParams" is null. The output start index for this execution was zero with a total number of output elements of zero. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Unity Bancorp middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Unity Bancorp. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

Unity Bancorp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Unity Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on Unity Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Unity Bancorp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

Unity Bancorp Outstanding Bonds

Unity Bancorp issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Unity Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Unity bonds can be classified according to their maturity, which is the date when Unity Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Unity Bancorp Predictive Daily Indicators

Unity Bancorp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Unity Bancorp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Unity Bancorp Corporate Filings

8K
11th of April 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
8th of April 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
26th of March 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
18th of March 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
11th of March 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
10th of March 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
10K
7th of March 2025
Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance
ViewVerify
8K
28th of February 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

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.

About Unity Stock Analysis

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.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.35  0.19 
Operating Profit Margin 0.99  1.04 
Net Profit Margin 0.27  0.14 
Gross Profit Margin 0.92  0.73 

Current Unity Analysis - Recommendations

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.
Target PriceAdvice# of Analysts
48.0Strong Buy3Odds
Unity Bancorp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Unity analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Unity stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Unity Bancorp, talking to its executives and customers, or listening to Unity conference calls.
Unity Analyst Advice Details

Unity Stock Analysis Indicators

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.
Begin Period Cash Flow194.8 M
Long Term Debt230.8 M
Common Stock Shares Outstanding10.2 M
Total Stockholder Equity295.6 M
Tax Provision12.9 M
Quarterly Earnings Growth Y O Y0.169
Property Plant And Equipment Net18.8 M
Cash And Short Term Investments114.1 M
Cash20.2 M
Accounts Payable1.7 M
Net Debt50.4 M
50 Day M A44.319
Total Current Liabilities1.7 M
Other Operating Expenses1.6 M
Non Current Assets Total34.4 M
Forward Price Earnings8.3893
Stock Based Compensation1.8 M

Additional Tools for Unity Stock Analysis

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.