Unity Bancorp, Inc.

Report azionario NasdaqGM:UNTY

Capitalizzazione di mercato: US$538.6m

Unity Bancorp Crescita futura

Criteri Future verificati 0/6

Si prevede che Unity Bancorp aumenterà gli utili e i ricavi rispettivamente del 3.1% e 9% all'anno, mentre si prevede che l'EPS crescerà del 2.3% all'anno.

Informazioni chiave

3.1%

Tasso di crescita degli utili

2.29%

Tasso di crescita dell'EPS

Banks crescita degli utili8.3%
Tasso di crescita dei ricavi9.0%
Rendimento futuro del capitale proprion/a
Copertura analitica

Low

Ultimo aggiornamento21 Apr 2026

Aggiornamenti recenti sulla crescita futura

Articolo di analisi • 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
Articolo di analisi • 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...
Articolo di analisi • 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
Articolo di analisi • 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...
Articolo di analisi • 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
Articolo di analisi • 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...
Articolo di analisi • 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...
Articolo di analisi • 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...
Articolo di analisi • 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...
Articolo di analisi • 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...
Articolo di analisi • 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...
Articolo di analisi • 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...
Articolo di analisi • 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...
Articolo di analisi • 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...
Articolo di analisi • 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...
Articolo di analisi • 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.
Articolo di analisi • 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...
Articolo di analisi • 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.

Previsioni di crescita degli utili e dei ricavi

NasdaqGM:UNTY - Stime future degli analisti e dati finanziari passati (USD Millions )
DataRicaviUtiliFlusso di cassa liberoLiquidità dell'operazioneAvg. Numero di analisti
12/31/202715564N/AN/A2
12/31/202614159N/AN/A2
3/31/202613261N/AN/AN/A
12/31/2025128584445N/A
9/30/2025122546061N/A
6/30/2025116503233N/A
3/31/2025106434950N/A
12/31/2024103414748N/A
9/30/2024101404950N/A
6/30/202499394546N/A
3/31/2024100394849N/A
12/31/2023100404647N/A
9/30/2023100405355N/A
6/30/202398403839N/A
3/31/202397403537N/A
12/31/202294384143N/A
9/30/202293382222N/A
6/30/202292382425N/A
3/31/202290373940N/A
12/31/202189363133N/A
9/30/202186342021N/A
6/30/202181303334N/A
3/31/202175273334N/A
12/31/202070242222N/A
9/30/202066224041N/A
6/30/202065233637N/A
3/31/202066233333N/A
12/31/20196524N/A33N/A
9/30/20196423N/A35N/A
6/30/20196323N/A33N/A
3/31/20196222N/A42N/A
12/31/20186022N/A39N/A
9/30/20185919N/A31N/A
6/30/20185717N/A25N/A
3/31/20185515N/A15N/A
12/31/20175213N/A14N/A
9/30/20175114N/A16N/A
6/30/20174913N/A13N/A
3/31/20174712N/A12N/A
12/31/20164613N/A9N/A
9/30/20164413N/A9N/A
6/30/20164312N/A10N/A
3/31/20164312N/A6N/A
12/31/20154110N/A3N/A
9/30/2015399N/A6N/A
6/30/2015378N/A8N/A

Previsioni di crescita futura degli analisti

Guadagni vs tasso di risparmio: La crescita prevista degli utili di UNTY ( 3.1% all'anno) è inferiore al tasso di risparmio ( 3.5% ).

Guadagni vs Mercato: Si prevede che gli utili di UNTY ( 3.1% all'anno) cresceranno più lentamente rispetto al mercato US ( 16.7% all'anno).

Guadagni ad alta crescita: Si prevede che gli utili di UNTY cresceranno, ma non in modo significativo.

Ricavi vs Mercato: Si prevede che il fatturato di UNTY ( 9% all'anno) crescerà più lentamente rispetto al mercato US ( 11.6% all'anno).

Ricavi ad alta crescita: Si prevede che il fatturato di UNTY ( 9% all'anno) crescerà più lentamente di 20% all'anno.

Previsioni di crescita dell'utile per azione

Rendimento futuro del capitale proprio

ROE futuro: Dati insufficienti per determinare se il Return on Equity di UNTY è previsto essere elevato tra 3 anni

Scoprire le aziende in crescita

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Analisi aziendale e situazione dei dati finanziari

DatiUltimo aggiornamento (ora UTC)
Analisi dell'azienda2026/05/11 00:40
Prezzo dell'azione a fine giornata2026/05/11 00:00
Utili2026/03/31
Utili annuali2025/12/31

Fonti dei dati

I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.

PacchettoDatiTempisticaEsempio Fonte USA *
Dati finanziari della società10 anni
  • Conto economico
  • Rendiconto finanziario
  • Bilancio
Stime di consenso degli analisti+3 anni
  • Previsioni finanziarie
  • Obiettivi di prezzo degli analisti
Prezzi di mercato30 anni
  • Prezzi delle azioni
  • Dividendi, scissioni e azioni
Proprietà10 anni
  • Top azionisti
  • Insider trading
Gestione10 anni
  • Team di leadership
  • Consiglio di amministrazione
Sviluppi principali10 anni
  • Annunci aziendali

* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.

Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.

Modello di analisi e Snowflake

I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; abbiamo anche guide su come utilizzare i nostri report e tutorial su Youtube.

Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.

Metriche di settore e industriali

Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.

Fonti analitiche

Unity Bancorp, Inc. è coperta da 5 analisti. 3 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.

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