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Unity Bancorp, Inc.NasdaqGM:UNTY Aktienübersicht

Marktkapitalisierung US$538.6m
Aktienkurs
US$53.64
US$63.67
15.7% unterbewertet intrinsischer Abschlag
1Y19.2%
7D3.1%
Wert des Portfolios
​
Siehe

Unity Bancorp, Inc.

NasdaqGM:UNTY Lagerbericht

Marktkapitalisierung: US$538.6m

Unity Bancorp (UNTY) Aktienübersicht

Unity Bancorp, Inc. ist die Bankholdinggesellschaft der Unity Bank, die Bankdienstleistungen für Unternehmen und Privatkunden anbietet. Mehr Details

UNTY grundlegende Analyse
Schneeflocken-Punktzahl
Bewertung5/6
Künftiges Wachstum0/6
Vergangene Leistung5/6
Finanzielle Gesundheit6/6
Dividenden3/6

Belohnungen

56.2% unter unserer Schätzung des beizulegenden Zeitwerts gehandelt

Die Erträge stiegen im vergangenen Jahr um 39.5%

Im Vergleich zu Wettbewerbern und der Branche gut bewertet

Risikoanalyse

Signifikante Insiderverkäufe in den letzten 3 Monaten


UNTY Community Fair Values

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Unity Bancorp, Inc. Wettbewerber

Preisentwicklung & Leistung

Zusammenfassung der Höchst- und Tiefststände sowie der Veränderungen der Aktienkurse für Unity Bancorp
Historische Aktienkurse
Aktueller AktienkursUS$53.64
52-Wochen-HochUS$57.30
52-Wochen-TiefUS$41.67
Beta0.61
1 Monat Veränderung-3.99%
3 Monate Veränderung-2.95%
1 Jahr Veränderung19.20%
3 Jahre Veränderung148.91%
5 Jahre Veränderung123.41%
Veränderung seit IPO1,011.93%

Aktuelle Nachrichten und Updates

Seeking Alpha • Apr 01

Unity Bancorp Stands Out From The Small-Cap Crowd

Summary Unity Bancorp (UNTY) is rated Buy ahead of Q1 2026 earnings, reflecting sector-driven weakness despite strong company fundamentals. UNTY delivered nearly 40% EPS growth in FY 2025, with robust operational metrics that included a Q4 NIM of 4.60% and ROE of 18%. Non-accrual assets doubled year-over-year, driven by one large commercial mortgage, but management expects minimal loss and close monitoring continues. Dividend growth remains strong, with 12 consecutive years of increases and a recent 25% hike, reinforcing capital return discipline. Read the full article on Seeking Alpha
Analyseartikel • Oct 18

Results: Unity Bancorp, Inc. Exceeded Expectations And The Consensus Has Updated Its Estimates

Unity Bancorp, Inc. ( NASDAQ:UNTY ) investors will be delighted, with the company turning in some strong numbers with...

Recent updates

Seeking Alpha • Apr 01

Unity Bancorp Stands Out From The Small-Cap Crowd

Summary Unity Bancorp (UNTY) is rated Buy ahead of Q1 2026 earnings, reflecting sector-driven weakness despite strong company fundamentals. UNTY delivered nearly 40% EPS growth in FY 2025, with robust operational metrics that included a Q4 NIM of 4.60% and ROE of 18%. Non-accrual assets doubled year-over-year, driven by one large commercial mortgage, but management expects minimal loss and close monitoring continues. Dividend growth remains strong, with 12 consecutive years of increases and a recent 25% hike, reinforcing capital return discipline. Read the full article on Seeking Alpha
Analyseartikel • Oct 18

Results: Unity Bancorp, Inc. Exceeded Expectations And The Consensus Has Updated Its Estimates

Unity Bancorp, Inc. ( NASDAQ:UNTY ) investors will be delighted, with the company turning in some strong numbers with...
Analyseartikel • Aug 25

Unity Bancorp (NASDAQ:UNTY) Is Paying Out A Larger Dividend Than Last Year

Unity Bancorp, Inc. ( NASDAQ:UNTY ) has announced that it will be increasing its dividend from last year's comparable...
Seeking Alpha • Apr 19

Unity Bancorp: Quality At A Decent Price

Summary Unity Bancorp, a small New Jersey-based bank with a market cap of $401.7 million, shows consistent growth and high asset quality, making it a compelling buy. Despite higher price-to-book ratios, Unity Bancorp's low price-to-earnings multiple and strong return on assets (1.68%) and equity (14.99%) justify its valuation. The bank's deposits grew impressively from $1.79 billion to $2.10 billion from 2022 to 2024, with minimal reliance on brokered deposits. Net interest income increased from $85.8 million to $94.7 million over three years, despite a slight decline in net interest margin, showcasing resilient profitability. Read the full article on Seeking Alpha
Analyseartikel • Mar 03

Unity Bancorp's (NASDAQ:UNTY) Upcoming Dividend Will Be Larger Than Last Year's

Unity Bancorp, Inc.'s ( NASDAQ:UNTY ) periodic dividend will be increasing on the 28th of March to $0.14, with...
Analyseartikel • Jan 17

Do Unity Bancorp's (NASDAQ:UNTY) Earnings Warrant Your Attention?

It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...
Seeking Alpha • Apr 12

Unity Bancorp: Respectable Quarter To Kick Off Regional Bank Earnings Season

Summary Unity Bancorp, Inc. reported mixed but strong Q1 earnings, with revenues improving due to loan growth. Net interest margin declined due to higher rates on deposits, but loan quality remains steady. Nonperforming assets decrease quarter-over-quarter, and return metrics remain solid. Overall, regional bank performance is expected to be mixed in Q1. Read the full article on Seeking Alpha
Analyseartikel • Feb 27

Unity Bancorp's (NASDAQ:UNTY) Shareholders Will Receive A Bigger Dividend Than Last Year

Unity Bancorp, Inc. ( NASDAQ:UNTY ) has announced that it will be increasing its periodic dividend on the 29th of March...
Analyseartikel • Dec 13

Unity Bancorp (NASDAQ:UNTY) Will Pay A Dividend Of $0.12

Unity Bancorp, Inc.'s ( NASDAQ:UNTY ) investors are due to receive a payment of $0.12 per share on 29th of December...
Analyseartikel • Nov 21

Unity Bancorp (NASDAQ:UNTY) Is Paying Out A Dividend Of $0.12

The board of Unity Bancorp, Inc. ( NASDAQ:UNTY ) has announced that it will pay a dividend on the 29th of December...
Analyseartikel • Nov 04

With EPS Growth And More, Unity Bancorp (NASDAQ:UNTY) Makes An Interesting Case

Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...
Analyseartikel • Sep 05

Unity Bancorp (NASDAQ:UNTY) Has Announced A Dividend Of $0.12

Unity Bancorp, Inc.'s ( NASDAQ:UNTY ) investors are due to receive a payment of $0.12 per share on 22nd of September...
Analyseartikel • Aug 22

Unity Bancorp (NASDAQ:UNTY) Will Pay A Dividend Of $0.12

Unity Bancorp, Inc. ( NASDAQ:UNTY ) will pay a dividend of $0.12 on the 22nd of September. This payment means the...
Analyseartikel • Jul 18

Do Unity Bancorp's (NASDAQ:UNTY) Earnings Warrant Your Attention?

It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...
Analyseartikel • May 29

Unity Bancorp (NASDAQ:UNTY) Will Pay A Larger Dividend Than Last Year At $0.12

Unity Bancorp, Inc. ( NASDAQ:UNTY ) has announced that it will be increasing its dividend from last year's comparable...
Analyseartikel • Feb 21

Unity Bancorp (NASDAQ:UNTY) Is Increasing Its Dividend To $0.12

Unity Bancorp, Inc.'s ( NASDAQ:UNTY ) dividend will be increasing from last year's payment of the same period to $0.12...
Analyseartikel • Dec 09

Unity Bancorp (NASDAQ:UNTY) Will Pay A Dividend Of $0.11

The board of Unity Bancorp, Inc. ( NASDAQ:UNTY ) has announced that it will pay a dividend of $0.11 per share on the...
Analyseartikel • Nov 22

Unity Bancorp (NASDAQ:UNTY) Has Announced A Dividend Of $0.11

Unity Bancorp, Inc. ( NASDAQ:UNTY ) will pay a dividend of $0.11 on the 30th of December. This payment means the...
Seeking Alpha • Oct 14

Unity Bancorp GAAP EPS of $0.93

Unity Bancorp press release (NASDAQ:UNTY): Q3 GAAP EPS of $0.93.
Seeking Alpha • Sep 26

Unity Bancorp: Attractively Valued With A Positive Outlook For Topline Growth

Summary Job markets will likely sustain loan growth. However, growth will most probably decline from the second quarter’s unsustainable level. The margin will likely be less rate-sensitive in the future as deposits will take a lagged hit from interest rate hikes. High inflation will likely worsen the credit quality, leading to higher provisions. The December 2022 target price suggests a high upside from the current market price. Further, UNTY is offering a low dividend yield. The earnings of Unity Bancorp, Inc. (UNTY) will most probably surge this year on the back of moderately high loan growth. Further, the top line will benefit from a rising rate environment. On the other hand, inflation-driven provision expenses will restrict earnings growth. Overall, I'm expecting Unity Bancorp to report earnings of $3.66 per share for 2022, up 7% year-over-year. Compared to my last report on the company, I've increased my earnings estimate because I've revised upwards both the loan growth and margin estimates. For 2023, I'm expecting earnings to increase by a further 7% to $3.92 per share. The year-end target price suggests a high upside from the current market price. Therefore, I'm maintaining a buy rating on Unity Bancorp. Strong Job Markets to Keep Loan Growth from Slowing Down too Much Like many peer banks, Unity Bancorp’s loan growth during the second quarter of 2022 was exceptionally high. The portfolio grew by 5.9% during the quarter, or 24% annualized, which beat my expectations. The high growth was partly attributable to borrowers pulling their borrowing requirements to an earlier time to lock in rates before they increase too much. Such preemptive borrowing will make loan growth significantly slow down in future quarters. Nevertheless, I’m optimistic about loan growth because of strong job markets. Unity Bancorp serves businesses and individuals across New Jersey and some parts of Pennsylvania. Further, the loan portfolio is well diversified across segments ranging from commercial real estate loans to residential mortgages. Therefore, broad-based, state-wide economic metrics are appropriate gauges of Unity Bancorp’s product demand. The states’ unemployment rates continue to remain near record lows from a historical perspective, which bodes well for loan growth. Data by YCharts Further, the coincident indices show a satisfactory level of economic activity. Data by YCharts Considering these factors, I'm expecting the portfolio to grow by 2% every quarter till the end of 2023. This will lead to loan growth of 13.7% for 2022. In my last report on Unity Bancorp, I estimated loan growth of 11.1% for 2022. I've increased my loan growth estimate mostly because of the second quarter's outstanding performance. Meanwhile, I'm expecting deposits to mostly grow in line with loans. The following table shows my balance sheet estimates. FY18 FY19 FY20 FY21 FY22E FY23E Financial Position Net Loans 1,289 1,409 1,605 1,627 1,851 2,003 Growth of Net Loans 11.4% 9.3% 13.9% 1.4% 13.7% 8.2% Other Earning Assets 189 203 244 298 227 232 Deposits 1,208 1,250 1,558 1,759 1,767 1,912 Borrowings and Sub-Debt 220 293 210 50 177 181 Common equity 138 161 174 206 239 276 Book Value Per Share ($) 12.7 14.6 16.1 19.5 22.3 25.8 Tangible BVPS ($) 12.5 14.4 15.9 19.4 22.2 25.6 Source: SEC Filings, Author's Estimates (In USD million unless otherwise specified) Margin’s Rate-Sensitivity to Fall Unity Bancorp’s net interest margin grew by 28 basis points in the second quarter, which is higher than what I anticipated. Looking at the movement in asset yields and the cost of the funds given in the 10-Q filing, it’s apparent that the management was successful in holding down deposit costs even as interest rates increased. This success is unsustainable as the management cannot postpone passing on the impact of higher interest rates to depositors forever. If it holds the rates on deposits any longer then it will start losing its depositors to other banks. Therefore, the deposit beta (rate-sensitivity) is bound to increase in the second half of this year. As a result, I’m expecting the margin’s rate sensitivity to be lower in the third and fourth quarters of this year compared to the second quarter. I'm expecting the Fed Funds rate to increase by 150 basis points till the end of 2023 from the current level of 3.25%. Considering these factors, I'm expecting the margin to grow by 20 basis points in the second half of 2022 and a further five basis points in 2023. Compared to my last report on Unity Bancorp, I've increased my margin estimate as my interest rate outlook is now more hawkish than before. Provision Normalization Ahead Unity Bancorp reported above-average provisioning for the second quarter of 2022, in tandem with the outstanding loan growth. Allowances were 1.27% of total loans, while non-performing loans were 0.43% of total loans at the end of June 2022. This coverage seems barely comfortable considering the prolonged high-interest-rate environment that will soon start affecting the solvency of many already-stretched borrowers. Therefore, I’m expecting inflation to pressurize provisioning for expected loan losses in the coming quarters. However, as I'm expecting loan additions to decline from the second quarter’s level, the provisioning will also be lower than in the second quarter. Further, around 94% of the company’s loan portfolio was backed by real estate at the end of June 2022, as mentioned in the 10-Q Filing. This collateral makes the overall portfolio’s credit risk low. Overall, I'm expecting normalized provisioning in every quarter till the end of 2023. I'm expecting the net provision expense to make up around 0.18% of total loans annualized till the end of next year, which is the same as the average for the last five years. Expecting Earnings to Grow by 7% The anticipated loan additions and margin expansion will drive earnings growth in the next year and a half. On the other hand, normalization of provisioning will likely restrict earnings growth. Further, earnings will suffer this year because of a decline in mortgage income from refinancing activity. Mortgage refinancing activity had been elevated in the last two years because of the interest rate cuts and is likely to return to a normal level this year. Overall, I'm expecting Unity Bancorp to report earnings of $3.66 per share for 2022, up 7% year-over-year. For 2023, I’m expecting earnings to grow by a further 7% to $3.92 per share. The following table shows my income statement estimates. FY18 FY19 FY20 FY21 FY22E FY23E Income Statement Net interest income 54 58 64 77 89 100 Provision for loan losses 2 2 7 0 3 4 Non-interest income 9 10 13 12 10 9 Non-interest expense 33 35 39 41 44 49 Net income - Common Sh. 22 24 24 36 39 42 EPS - Diluted ($) 2.01 2.14 2.19 3.43 3.66 3.92 Source: SEC Filings, Earnings Releases, Author's Estimates (In USD million unless otherwise specified) In my last report on Unity Bancorp, I estimated earnings of $3.44 per share for 2022. I've increased my earnings estimate mostly because I've revised upwards both my loan growth and margin estimates.
Seeking Alpha • Aug 25

Unity Bancorp declares $0.11 dividend

Unity Bancorp (NASDAQ:UNTY) declares $0.11/share quarterly dividend, in line with previous. Forward yield 1.52% Payable Sept. 23; for shareholders of record Sept. 9; ex-div Sept. 8. See UNTY Dividend Scorecard, Yield Chart, & Dividend Growth.
Seeking Alpha • Jul 12

Unity Bancorp added to US Small-Cap Russell 2000 Index

Unity Bancorp (NASDAQ:UNTY) parent company of Unity Bank, was added as a member of the U.S. small-cap Russell 2000 Index. The Russell 2000 membership became effective on June 27th, as part of the 2022 Russell indexes reconstitution. Unity holds ~$2.1B in assets and $1.8Bn in deposits.
Analyseartikel • Jun 05

Unity Bancorp (NASDAQ:UNTY) Has Announced That It Will Be Increasing Its Dividend To US$0.11

Unity Bancorp, Inc. ( NASDAQ:UNTY ) has announced that it will be increasing its dividend on the 24th of June to...
Analyseartikel • May 12

Unity Bancorp's (NASDAQ:UNTY) Dividend Will Be Increased To US$0.11

The board of Unity Bancorp, Inc. ( NASDAQ:UNTY ) has announced that it will be increasing its dividend on the 24th of...
Seeking Alpha • Mar 25

Unity Bancorp: A Local New Jersey Bank Trading At Just 9 Times Earnings

Unity Bancorp is active in New Jersey where it operates just a handful of branches. The bank's net income in 2021 was exceptionally high, thanks to the lack of loan loss provisions. UNTY retains the majority of its earnings on its balance sheet, which allows it to expand its loan book. The stock is trading at about 1.4 times its book value, but due to the low payout ratio, the book value increases fast.

Aktionärsrenditen

UNTYUS BanksUS Markt
7D3.1%-2.1%2.2%
1Y19.2%23.1%31.1%

Rendite im Vergleich zur Industrie: UNTY unter dem Niveau der Branche US Banks , die im vergangenen Jahr eine Rendite von 23.1% erzielte.

Rendite vs. Markt: UNTY hinter dem Markt US zurück, der im vergangenen Jahr eine Rendite von 31.1 erzielte.

Preisvolatilität

Is UNTY's price volatile compared to industry and market?
UNTY volatility
UNTY Average Weekly Movement3.5%
Banks Industry Average Movement3.5%
Market Average Movement7.3%
10% most volatile stocks in US Market16.1%
10% least volatile stocks in US Market3.2%

Stabiler Aktienkurs: UNTY hatte in den letzten 3 Monaten im Vergleich zum US -Markt keine signifikante Preisvolatilität.

Volatilität im Zeitverlauf: UNTYDie wöchentliche Volatilität (3%) ist im vergangenen Jahr stabil geblieben.

Über das Unternehmen

GegründetMitarbeiterCEOWebsite
1991244Jim Hugheswww.unitybank.com

Unity Bancorp, Inc. ist die Bankholdinggesellschaft der Unity Bank, die Bankdienstleistungen für Unternehmen und Privatkunden anbietet. Es bietet persönliche und geschäftliche Girokonten, Geldmarktkonten, Sparkonten, Rentenkonten, Geldmarktkonten sowie zinslose und zinstragende Sichteinlagen. Das Unternehmen bietet auch kommerzielle, kleine Unternehmen Verwaltung, Verbraucher, Hypotheken, und Home-Equity-und persönliche Darlehen; und Eigentümer und Nicht-Eigentümer-besetzt kommerziellen Hypotheken.

Unity Bancorp, Inc.'s Grundlagenzusammenfassung

Wie verhalten sich die Erträge und Einnahmen von Unity Bancorp im Vergleich zum Marktanteil des Unternehmens?
UNTY grundlegende Statistiken
MarktanteilUS$538.60m
Gewinn(TTM)US$60.64m
Umsatz(TTM)US$132.39m
8.9x
Kurs-Gewinn-Verhältnis
1.5x
Kurs-Buchwert-Verhältnis

Ist UNTY zu teuer?

Siehe Fair Value und Bewertungsanalyse

Erträge & Einnahmen

Wichtige Rentabilitätsstatistiken aus dem letzten Ergebnisbericht (TTM)
UNTY Gewinn- und Verlustrechnung (TTM)
EinnahmenUS$132.39m
Kosten der EinnahmenUS$0
BruttogewinnUS$132.39m
Sonstige AusgabenUS$71.75m
GewinnUS$60.64m

Zuletzt gemeldete Gewinne

Mar 31, 2026

Datum des nächsten Gewinnberichts

k.A.

Gewinn per Aktie (EPS)6.04
Bruttomarge100.00%
Nettogewinnspanne45.80%
Schulden/Eigenkapital-Verhältnis72.2%

Wie hat sich UNTY auf lange Sicht entwickelt?

Historische Performance und Vergleiche

Dividenden

1.2%
Aktuelle Dividendenrendite
10%
Ausschüttungsquote

Unternehmensanalyse und Finanzdaten Status

DatenZuletzt aktualisiert (UTC-Zeit)
Unternehmensanalyse2026/05/11 21:14
Aktienkurs zum Tagesende2026/05/08 00:00
Gewinne2026/03/31
Jährliche Einnahmen2025/12/31

Datenquellen

Die in unserer Unternehmensanalyse verwendeten Daten stammen von S&P Global Market Intelligence LLC. Die folgenden Daten werden in unserem Analysemodell verwendet, um diesen Bericht zu erstellen. Die Daten sind normalisiert, was zu einer Verzögerung bei der Verfügbarkeit der Quelle führen kann.

PaketDatenZeitrahmenBeispiel US-Quelle *
Finanzdaten des Unternehmens10 Jahre
  • Gewinn- und Verlustrechnung
  • Kapitalflussrechnung
  • Bilanz
Konsensschätzungen der Analysten+3 Jahre
  • Finanzielle Vorausschau
  • Kursziele der Analysten
Marktpreise30 Jahre
  • Aktienkurse
  • Dividenden, Splits und Aktionen
Eigentümerschaft10 Jahre
  • Top-Aktionäre
  • Insiderhandel
Verwaltung10 Jahre
  • Das Führungsteam
  • Direktorium
Wichtige Entwicklungen10 Jahre
  • Ankündigungen des Unternehmens

* Beispiel für US-Wertpapiere, für nicht-US-amerikanische Wertpapiere werden gleichwertige regulatorische Formulare und Quellen verwendet.

Sofern nicht anders angegeben, beziehen sich alle Finanzdaten auf einen Jahreszeitraum, werden aber vierteljährlich aktualisiert. Dies wird als Trailing Twelve Month (TTM) oder Last Twelve Month (LTM) Daten bezeichnet. Erfahren Sie mehr.

Analysemodell und Schneeflocke

Einzelheiten zu dem Analysemodell, mit dem dieser Bericht erstellt wurde, finden Sie auf unserer Github-Seite. Außerdem bieten wir Leitfäden zur Verwendung unserer Berichte und Tutorials auf YouTube an.

Erfahren Sie mehr über das Weltklasse-Team, das das Simply Wall St-Analysemodell entworfen und entwickelt hat.

Metriken für Industrie und Sektor

Unsere Branchen- und Sektionskennzahlen werden alle 6 Stunden von Simply Wall St berechnet. Details zu unserem Verfahren finden Sie auf Github.

Analysten-Quellen

Unity Bancorp, Inc. wird von 5 Analysten beobachtet. 3 dieser Analysten hat die Umsatz- oder Gewinnschätzungen übermittelt, die als Grundlage für unseren Bericht dienen. Die von den Analysten übermittelten Daten werden im Laufe des Tages aktualisiert.

AnalystEinrichtung
Christopher MarinacBrean Capital Historical (Janney Montgomery)
null nullD.A. Davidson & Co.
David KonradKeefe, Bruyette, & Woods