Unity Bancorp, Inc.

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US9132901029
USD
52.15
1.72 (3.41%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

26.43 k

Shareholding (Mar 2025)

FII

1.71%

Held by 30 FIIs

DII

72.53%

Held by 21 DIIs

Promoter

6.06%

How big is Unity Bancorp, Inc.?

22-Jun-2025

As of Jun 18, Unity Bancorp, Inc. has a market capitalization of 471.31 million and total assets of 2,655.30 million, with shareholder's funds at 295.58 million.

As of Jun 18, Unity Bancorp, Inc. has a market capitalization of 471.31 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported a sum of interest earned for the latest four quarters amounting to 158.60 million and a net profit of 43.46 million.<BR><BR>As of Dec 24, the reporting period shows shareholder's funds at 295.58 million and total assets at 2,655.30 million.

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What does Unity Bancorp, Inc. do?

22-Jun-2025

Unity Bancorp, Inc. is a micro-cap bank holding company in the Regional Banks industry, reporting net sales of $41 million and a net profit of $12 million as of March 2025. Key metrics include a P/E ratio of 11.00 and a return on equity of 14.20%.

Overview:<BR>Unity Bancorp, Inc. is a bank holding company that operates in the Regional Banks industry and falls within the micro-cap market segment.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 41 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 12 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 471.31 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 11.00 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.00 <BR>Return on Equity: 14.20% <BR>Price to Book: 1.54<BR><BR>Contact Details:<BR>Address: 64 OLD HIGHWAY 22, CLINTON NJ: 08809-1305 <BR>Tel: ['1 908 7307630', '1 908 7134306'] <BR>Website: https://www.snl.com/IRW/CorporateProfile/101233

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Should I buy, sell or hold Unity Bancorp, Inc.?

22-Jun-2025

Who are in the management team of Unity Bancorp, Inc.?

22-Jun-2025

As of March 2022, Unity Bancorp, Inc.'s management team includes Chairman David Dallas, CEO James Hughes, and several independent directors, including Allen Tucker, Mark Brody, Wayne Courtright, Mary Gross, and Peter Maricondo.

As of March 2022, the management team of Unity Bancorp, Inc. includes the following individuals:<BR><BR>- Mr. David Dallas: Chairman of the Board of the Company and Bank<BR>- Mr. James Hughes: President, Chief Executive Officer, Director of the Company and the Bank<BR>- Mr. Allen Tucker: Independent Vice Chairman of the Board of the Company and the Bank<BR>- Mr. Robert Dallas: Director of the Company and the Bank<BR>- Dr. Mark Brody: Independent Director of the Company and the Bank<BR>- Mr. Wayne Courtright: Independent Director of the Company and the Bank<BR>- Dr. Mary Gross: Independent Director of the Company and the Bank<BR>- Mr. Peter Maricondo: Independent Director of the Company and the Bank<BR><BR>In summary, the management team comprises a mix of executive and independent directors, with Mr. James Hughes serving as the CEO.

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Is Unity Bancorp, Inc. technically bullish or bearish?

20-Sep-2025

As of August 22, 2025, Unity Bancorp, Inc. has a bullish technical trend supported by strong indicators, outperforming the S&P 500 with a year-to-date return of 23.19% compared to 12.22%.

As of 22 August 2025, the technical trend for Unity Bancorp, Inc. has changed from mildly bullish to bullish. The current technical stance is bullish with strong indicators supporting this view. The MACD is bullish on both weekly and monthly time frames, and Bollinger Bands also indicate a bullish trend in both periods. Daily moving averages are bullish, while the KST shows bullish momentum on both weekly and monthly charts. Although the Dow Theory presents a mildly bullish stance on the weekly and mildly bearish on the monthly, the overall technical picture remains positive.<BR><BR>In terms of performance, Unity Bancorp has outperformed the S&P 500 across multiple periods, with a year-to-date return of 23.19% compared to the S&P 500's 12.22%, and a one-year return of 57.88% versus 17.14% for the index.

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Is Unity Bancorp, Inc. overvalued or undervalued?

07-Oct-2025

As of October 3, 2025, Unity Bancorp, Inc. is fairly valued with a competitive P/E ratio of 11 and a PEG ratio of 0.87, while also showing strong performance with a 1-year return of 50.84%, outperforming the S&P 500's 17.82%.

As of 3 October 2025, the valuation grade for Unity Bancorp, Inc. has moved from very attractive to attractive. Based on the current metrics, the company appears to be fairly valued. The P/E ratio stands at 11, which is competitive compared to peers like Bridgewater Bancshares, Inc. at 11.97 and Home Bancorp, Inc. at 10.68. Additionally, the PEG ratio of 0.87 suggests that the stock is reasonably priced relative to its growth potential.<BR><BR>In terms of performance, Unity Bancorp has shown strong returns, with a 1-year return of 50.84%, significantly outperforming the S&P 500's 17.82% over the same period. This suggests that while the stock is fairly valued, it has been a strong performer in the market recently. Overall, Unity Bancorp, Inc. is positioned well within its industry, particularly when compared to its peers.

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iScoreScore
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Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
1

High Profitability with a Net Interest Margin of 10.75%

 
2

Strong Long Term Fundamental Strength with a 17.42% CAGR growth in Net Profits

 
3

The company has declared Positive results for the last 3 consecutive quarters

4

With ROA of 1.14%, it has a very attractive valuation with a 1.51 Price to Book Value

5

Reducing Promoter Confidence

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Regional Banks

stock-summary
Market cap

USD 566 Million (Micro Cap)

stock-summary
P/E

11.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

15.79%

stock-summary
Price to Book

1.77

Revenue and Profits:
Net Sales:
43 Million
(Quarterly Results - Jun 2025)
Net Profit:
16 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
0.15%
0%
0.15%
6 Months
19.64%
0%
19.64%
1 Year
15.25%
0%
15.25%
2 Years
86.12%
0%
86.12%
3 Years
82.22%
0%
82.22%
4 Years
106.29%
0%
106.29%
5 Years
201.97%
0%
201.97%

Unity Bancorp, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
16.14%
EBIT Growth (5y)
18.70%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
12.80%
Pledged Shares
0
Institutional Holding
51.94%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.51
EV to EBIT
8.75
EV to EBITDA
8.33
EV to Capital Employed
1.48
EV to Sales
3.00
PEG Ratio
0.87
Dividend Yield
NA
ROCE (Latest)
16.97%
ROE (Latest)
14.20%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 38 Schemes (19.64%)

Foreign Institutions

Held by 30 Foreign Institutions (1.71%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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stock-summaryCompany CV
About Unity Bancorp, Inc. stock-summary
stock-summary
Unity Bancorp, Inc.
Regional Banks
Unity Bancorp, Inc. is a bank holding company that serves as a holding company for Unity Bank (the Bank). The Company's primary business is ownership and supervision of the Bank. The Company, through the Bank, conducts a traditional and community-oriented commercial banking business and offers services, such as personal and business checking accounts, time deposits, money market accounts and regular savings accounts. It engages in lending activities and offers commercial, small business administration, consumer, mortgage, home equity and personal loans. The Bank is a full-service commercial bank, that provides business and consumer financial services through its office in Clinton, New Jersey and over 14 New Jersey branches located in Clinton, Edison, Flemington, Highland Park, Linden, Middlesex, North Plainfield, Phillipsburg, Scotch Plains, Somerset, South Plainfield, Union, Washington and Whitehouse. The Bank has over one Pennsylvania branch located in Forks Township.
Company Coordinates stock-summary
Company Details
64 OLD HIGHWAY 22 , CLINTON NJ : 08809-1305
Registrar Details