Unity Bancorp, Inc.

UNTY

$58.91

+0.49%

2026-09-03 16:00:00 EDT+$0.29

Financial Services

Banks - Regional

NASDAQ

Active Trading

As the parent entity of Unity Bank, Unity Bancorp, Inc. delivers a comprehensive range of commercial and retail banking solutions, catering to ...

Price Action of UNTY

$58.91

+0.49%+$0.29

High—

Low—

52W High-5.5%

Rel. vol—

Interval

Range6h

Volume—SMA5SMA10

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Unity Bancorp, Inc. (NASDAQ: UNTY) is a financial holding company headquartered in Clinton, New Jersey, serving as the parent of Unity Bank. Established in 1991, the company has grown into a regional community bank with a strong presence in New Jersey and Pennsylvania. Unity Bank offers a diverse range of ...Unity Bancorp, Inc. (NASDAQ: UNTY) is a financial holding company headquartered in Clinton, New Jersey, serving as the parent of Unity Bank. Established in 1991, the company has grown into a regional community bank with a strong presence in New Jersey and Pennsylvania. Unity Bank offers a diverse range of deposit products, including personal and business checking, savings, money market accounts, and certificates of deposit, as well as both interest-bearing and non-interest-bearing demand deposits. On the lending side, the bank provides commercial loans, Small Business Administration (SBA) loans, residential mortgages, home equity lines of credit, construction financing, and consumer loans. With 19 branch locations across Bergen, Hunterdon, Middlesex, Somerset, Union, and Warren counties in New Jersey, and Northampton County in Pennsylvania, customers can also access services via online and mobile banking. As of the latest data, the company employs 239 full-time staff, reflecting a size in the 201-500 range. Financially, Unity Bancorp demonstrates solid performance with a market cap of approximately $599 million, a price-to-earnings ratio of about 10.2, and a dividend yield of 1%. The company maintains a return on equity of 16.6% and a net profit margin of 28%, indicating strong profitability. Leadership includes CEO James A. Hughes, who has served since 2000, and Chairman David D. Dallas, a founding member. The company has announced that George Boyan will become President in 2026, ensuring leadership continuity. Unity Bancorp is committed to serving its communities with personalized banking solutions and maintaining financial stability, as reflected in its consistent dividend payments and positive earnings growth. With a beta of 0.63, the stock offers lower volatility compared to the broader market, appealing to conservative investors. Overall, Unity Bancorp stands as a resilient regional bank with a focus on relationship banking and community development, poised for continued growth in the competitive financial services sector.ExpandCollapse

Founded

1991

Employees

242

CEO

James A. Hughes

Full Name

Unity Bancorp, Inc.

Sector

Financial Services

Industry

Banks - Regional

ROE

16.64%

Market Cap

$0.59B

Current Ratio

0.17

WACC

10.12%

ROIC

-2.59%

Contact Information

https://www.unitybank.com

908 730 7630

64 Old Highway 22, Clinton, NJ 08809

Key Metrics of UNTY

Snapshot

Latest / TTM · 6 periods

Market Cap

$591.51M

ROCE

18.8%

EV / EBITDA

8.50x

+6.4% YoY

FCF Yield

4.6%

-4.0% YoY

Cash Conversion Cycle

22.6d

Current Ratio

0.17

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Financial Highlights of UNTY

Profitability trend

Latest / TTM · 6 periods

Gross Margin

63.4%

Net Margin

28.0%

P/E Ratio

10.07x

n/a

Debt / Equity

0.88

n/a

Current Ratio

0.17

Dividend Yield

1.1%

Understanding

TTM —

Current ratio below 1.0

Calendar of UNTY

Upcoming

Sep 17, 2026In 13 days
Dividend payment
$0.62 per share
Sep 30, 2026In 26 days
Q3 FY2026 · Estimated results
Est. EPS $1.49 · Revenue $35.66M · 3 analysts
Dec 30, 2026
Q4 FY2026 · Estimated results
Est. EPS $1.51 · Revenue $36.59M · 3 analysts
Dec 31, 2026
FY2026 · Estimated annual results
Est. EPS $5.86 · Revenue $139.61M · 4 analysts

Recent history

Sep 3, 2026
Ex-dividend date
$0.62 per share
Aug 6, 2026
Q2 FY2026 · Results reported
EPS $1.42 · Revenue $48.56M
View filing
May 7, 2026
Q1 FY2026 · Results reported
EPS $1.40 · Revenue $48.05M
View filing
Mar 4, 2026
FY2025 · Annual results
EPS $5.67 · Revenue $188.41M
View filing
Nov 6, 2025
Q3 FY2025 · Results reported
EPS $1.41 · Revenue $63.05M
View filing
Aug 6, 2025
Q2 FY2025 · Results reported
EPS $1.61 · Revenue $50.19M
View filing

Financial Statements of UNTY

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$188.4M	+15.5%	+1.0%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$58.0M	+39.8%	+1.3%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+67.9%	+8.5%	-1.0%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+40.1%	+20.2%	-4.0%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+30.8%	+21.0%	+0.2%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$44.3M	-6.2%	-367.9%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+23.5%	-18.9%	-365.2%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	77.0%	-1.4%	+21.6%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	0.16x	+61.6%	+13.6%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$3.0B	+11.8%	+5.5%

Actual vs Estimate

A Dec 31Q Jun 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	5.67 vs 5.08	+11.7%	1.42 vs 1.43	-0.8%
Revenue Surprise	$188.4M vs $125.8M	+49.8%	$48.6M vs $34.6M	+40.3%

Insider Transactions of UNTY

Acquisitions (A)

Since Mar 15, 2026

Disposals (D)

Since Mar 15, 2026

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Aug 16, 2026	Davies James R	officer: Chief Financial Officer/FSVP	Restricted Stock	D	91	$61.82
Jun 12, 2026	Sharabba Daniel C	officer: Chief Retail Officer/SVP	Restricted Stock	D	90	$55.45
May 27, 2026	BRODY MARK S	director	Common Stock	A	1,600	$15.70
May 27, 2026	BRODY MARK S	director	Common Stock	D	1,600	$55.23
May 27, 2026	BRODY MARK S	director	Stock Option (Right to Buy)	D	1,600	$15.70

Leadership Team of UNTY

11 executives

Name	Title	Compensation	Gender	Year Born	Status
James A. Hughes	CEO, Executive VP & Director	USD 2,130,308	Male	1959	Active
George Allen Boyan	President & Director	USD 1,010,589	Male	1982	Active
Vincent Geraci	First Senior Vice President & Director of Mortgage Lending	USD 644,141	Male	1968	Active
James Donovan	First Senior VP & Chief Lending Officer	USD 447,243	Male	1964	Active
Daniel Sharabba	Senior Vice President & Chief Retail Officer	USD 387,834	Male	1989	Active
James R. Davies	First SVP, CFO, Principal Financial Officer & Principal Accounting Officer	USD 315,788	Male	1992	Active
David D. Dallas	Founder & Independent Chairman of the Board	USD 64,000	Male	1955	Active
Robert H. Dallas	Founder & Independent Director	USD 53,800	Male	1947	Active
Crystal Rose	First Vice President & Marketing Director	—	—	—	Active
David Bove	Senior Vice President & Chief Information Officer	—	Male	1986	Active
Christopher Fenimore	First Vice President & Chief Compliance Officer	—	—	—	Active

Recent News of UNTY

Zacks Investment Research8/24/2026Neutral

3 Bank Stocks With Recent Dividend Increases Worth Considering

Dividend hikes from Unity Bancorp, Stock Yards Bancorp and Chemung Financial highlight their profitability, capital strength and income appeal.

GlobeNewsWire8/20/2026Neutral

Unity Bancorp Announces 6% Increase in Third Quarter Dividend

CLINTON, N.J., Aug. 20, 2026 (GLOBE NEWSWIRE) -- Unity Bancorp, Inc. (NASDAQ: UNTY), parent company of Unity Bank, announced that its Board of Directors has declared a cash dividend of $0.17 per common share. Such dividend is payable on September 17, 2026, to shareholders of record as of September 3, 2026.

GlobeNewsWire8/7/2026Neutral

Unity Bancorp, Inc. Mourns the Passing of Director Robert ("Bobby") H. Dallas II

CLINTON, N.J., Aug. 07, 2026 (GLOBE NEWSWIRE) -- Unity Bancorp, Inc. (NASDAQ: UNTY), parent company of Unity Bank, today announced with profound sadness the passing of Robert ("Bobby") H. Dallas II. Mr. Dallas was a founding member of the Bank and served on the Company's Board since inception and brother of Chairman David D. Dallas. He played an instrumental role in helping guide Unity from a community bank startup to one of New Jersey's strongest independent banking franchises. His leadership, wisdom, and unwavering commitment to customers, communities, employees, and shareholders helped shape the organization for more than three decades.

GlobeNewsWire8/4/2026Neutral

Unity Bank Named New Jersey Economic Development Authority Premier Lender

Partnership expands access to capital for small businesses across New Jersey Partnership expands access to capital for small businesses across New Jersey

Seeking Alpha7/14/2026Neutral

Unity Bancorp: A Resilient Regional Bank

Unity Bancorp, Inc. remains a quality Hold, with no compelling buy or sell catalyst as 2026 unfolds. Q2 showed strong loan and deposit growth, margin expansion to 4.56%, and resilient asset quality despite minor softening. UNTY trades at a significant premium to book value ($56 vs. $37.02), making shares expensive for new entry.

Historical Employee Count of UNTY

Current

239

Change

+8.64%

Minimum

208

Maximum

239

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Dec 31, 2025	239	10-K	Mar 4, 2026	View
Dec 31, 2024	220	10-K	Mar 7, 2025	View
Dec 31, 2023	227	10-K	Mar 7, 2024	View
Dec 31, 2022	224	10-K	Mar 10, 2023	View
Dec 31, 2021	208	10-K	Mar 11, 2022	View

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Unity Bancorp, Inc.