Unity Bancorp Valuation
| UNTY Stock | USD 44.72 1.26 2.74% |
At this time, the company appears to be overvalued. Unity Bancorp has a current Real Value of $38.85 per share. The regular price of the company is $44.72. Our model measures the value of Unity Bancorp from inspecting the company fundamentals such as Operating Margin of 0.56 %, shares outstanding of 9.98 M, and Return On Equity of 0.15 as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Unity Bancorp's valuation include:
Price Book 1.6185 | Enterprise Value 528.9 M | Price Sales 4.427 | Forward PE 10.5932 | Trailing PE 11.4667 |
Overvalued
Today
Please note that Unity Bancorp's price fluctuation is very steady at this time. Calculation of the real value of Unity Bancorp is based on 3 months time horizon. Increasing Unity Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Unity Bancorp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Unity Stock. However, Unity Bancorp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 44.72 | Real 38.85 | Target 28.67 | Hype 44.71 | Naive 45.01 |
The intrinsic value of Unity Bancorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Unity Bancorp's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Unity Bancorp helps investors to forecast how Unity stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Unity Bancorp more accurately as focusing exclusively on Unity Bancorp's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Unity Bancorp's intrinsic value based on its ongoing forecasts of Unity Bancorp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Unity Bancorp's closest peers.
Unity Bancorp Cash |
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Unity Valuation Trend
Analysing the historical paterns of Unity Bancorp's enterprise value and its market capitalization is a good way to estimate and gauge the value of Unity Bancorp over time and is usually enough for investors to make rational market timing decisions.
Unity Revenue by Product
Unity Bancorp Total Value Analysis
Unity Bancorp is at this time anticipated to have valuation of 528.91 M with market capitalization of 446.31 M, debt of 372.08 M, and cash on hands of 163.38 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Unity Bancorp fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
528.91 M | 446.31 M | 372.08 M | 163.38 M |
Unity Bancorp Investor Information
About 29.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 1.62. 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 6th of September 2024. The entity had 11:10 split on the 13th of September 2016. Based on the analysis of Unity Bancorp's profitability, liquidity, and operating efficiency, Unity Bancorp is performing exceptionally good at this time. It has a great probability to report excellent financial results in December.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 1.45 | 1.3828 |
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| Operating Income | 146.6 M | 139.6 M |
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Unity Bancorp Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Unity Bancorp has an asset utilization ratio of 3.91 percent. This suggests that the Company is making $0.0391 for each dollar of assets. An increasing asset utilization means that Unity Bancorp is more efficient with each dollar of assets it utilizes for everyday operations.Unity Bancorp Ownership Allocation
The market capitalization of Unity Bancorp is $446.31 Million. Unity Bancorp maintains significant amount of outstanding shares owned by insiders. An insider is usually defined as a CEO, other corporate executive, director, or institutional investor who own at least 10% of the company's outstanding shares. Note, that even with substantial debt, if the true value of the company is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.Unity Bancorp Profitability Analysis
The company reported the previous year's revenue of 100.94 M. Net Income was 39.71 M with profit before overhead, payroll, taxes, and interest of 93.99 M.Unity Bancorp Past Distributions to stockholders
About Unity Bancorp Valuation
Our relative valuation model uses a comparative analysis of Unity Bancorp. We calculate exposure to Unity Bancorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Unity Bancorp's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 100.9 M | 106 M | |
| Pretax Profit Margin | 0.53 | 0.55 | |
| Operating Profit Margin | 1.38 | 1.45 | |
| Net Profit Margin | 0.39 | 0.41 |
A single share of Unity Bancorp represents a small ownership stake in the entity. As a stockholder of Unity, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Unity Bancorp Dividends Analysis For Valuation
At this time, Unity Bancorp's Dividends Paid is fairly stable compared to the past year. Dividend Paid And Capex Coverage Ratio is likely to rise to 8.68 in 2024, whereas Dividend Yield is likely to drop 0.01 in 2024. . At this time, Unity Bancorp's Retained Earnings are fairly stable compared to the past year. Retained Earnings Total Equity is likely to rise to about 189.5 M in 2024, whereas Earning Assets are likely to drop slightly above 219.9 M in 2024.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 4.7 M | 5 M | |
| Dividend Yield | 0.02 | 0.01 | |
| Dividend Payout Ratio | 0.12 | 0.10 | |
| Dividend Paid And Capex Coverage Ratio | 8.26 | 8.68 |
There are various types of dividends Unity Bancorp can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Unity shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Unity Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Unity pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Unity Bancorp by the value of the dividends paid out.
Unity Bancorp Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 10.3 M | |
| Quarterly Earnings Growth Y O Y | 0.103 | |
| Forward Price Earnings | 10.5932 |
Unity Bancorp Current Valuation Indicators
Valuation refers to the process of determining the present value of Unity Bancorp and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Unity we look at many different elements of the entity such as Unity's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Unity Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Unity Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Unity Bancorp's worth.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.