Unity Bancorp, Inc.

UNTY

$58.91

+0.49%

N/A+$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 ...

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

Key Metrics

Latest / TTM · 6 periods

Valuation trend

Valuation trend table

Metric	2021	2022	2023	2024	2025	TTM
Market CapTotal market value of all shares outstanding.	$273.08M	$287.18M	$302.03M	$437.45M	$518.91M	$591.51M
Enterprise ValueCompany value including debt and cash adjustments.	$83.87M	$571.30M	$474.00M	$487.83M	$568.47M	$667.62M
EV / SalesHow many dollars investors pay per dollar of sales.	0.88x	5.28x	3.14x	2.99x	3.02x	3.19x
EV / EBITDAValuation multiple versus operating earnings before non-cash charges.	1.69x	10.55x	8.56x	8.56x	7.26x	8.50x
Net Debt / EBITDALeverage ratio using net debt divided by EBITDA.	-3.80	5.24	3.11	0.88	0.63	0.97

Returns + ROCE gauge

ROCE latest

18.8%

Prev year 12.3%

Returns + ROCE gauge table

Metric	2021	2022	2023	2024	2025	TTM
ROEProfit generated from shareholders' equity.	17.6%	16.1%	15.2%	14.0%	16.8%	16.6%
ROAProfit generated from total assets.	1.8%	1.6%	1.5%	1.6%	2.0%	1.8%
ROICReturn generated on invested operating capital.	-2.5%	-2.5%	-2.4%	-2.2%	-3.0%	-2.6%
ROCEOperating return on long-term capital used.	18.4%	8.1%	8.4%	9.9%	12.3%	18.8%
Earnings YieldEarnings as a percentage of market value.	13.2%	13.4%	13.1%	9.5%	11.2%	9.9%

Cash flow quality

Cash flow quality table

Metric	2021	2022	2023	2024	2025	TTM
FCFFCash flow available to all capital providers.	$37.09M	$49.14M	$82.29M	$90.83M	$87.78M	$72.19M
FCFECash flow available to equity holders after debt flows.	$-128.72M	$384.19M	$19.39M	$-88.64M	$79.61M	$-94.27M
FCF YieldFree cash flow divided by market capitalization.	11.5%	14.3%	15.2%	10.8%	8.5%	4.6%
Income QualityHow well accounting earnings are backed by cash flow.	0.90	1.11	1.18	1.16	0.77	0.49
Capex / OCFShare of operating cash flow spent on capital expenditures.	3.8%	3.5%	2.0%	1.4%	1.3%	5.2%

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	TTM
DSOAverage days to collect cash from customers.	36.5d	45.2d	32.9d	28.4d	25.0d	22.6d
DIOAverage days inventory stays before being sold.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d
DPOAverage days the company takes to pay suppliers.	5.9d	16.9d	13.6d	10.2d	0.0d	0.0d
Operating CycleTime from buying inventory to collecting receivables.	36.5d	45.2d	32.9d	28.4d	25.0d	22.6d
Cash Conversion CycleNet days cash is tied in operations.	30.6d	28.3d	19.3d	18.2d	25.0d	22.6d

Snapshot

Latest / TTM: —

Market Cap

$591.51M

ROE

16.6%

FCF Yield

4.6%

Current Ratio

0.17

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