ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Unity Bancorp, Inc. ?
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
- NII(Q) Highest at USD 28.56 MM
- ROCE(HY) Highest at 1.83%
- DIVIDEND PER SHARE(HY) Highest at USD 0
4
With ROA of 1.14%, it has a very attractive valuation with a 1.51 Price to Book Value
- Over the past year, while the stock has generated a return of 8.07%, its profits have risen by 11.4% ; the PEG ratio of the company is 0.9
5
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -1.1% over the previous quarter and currently hold 6.06% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Unity Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Unity Bancorp, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Unity Bancorp, Inc.
15.25%
2.79
33.09%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
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
ValuationValuation 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%
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend23What is working for the Company
NII(Q)
Highest at USD 28.56 MM
ROCE(HY)
Highest at 1.83%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 42.6 MM
OPERATING PROFIT(Q)
Highest at USD 17.93 MM
OPERATING PROFIT MARGIN(Q)
Highest at 42.08 %
NET PROFIT(Q)
Highest at USD 16.49 MM
CASH AND EQV(HY)
Highest at USD 52.42 MM
PRE-TAX PROFIT(Q)
Highest at USD 21.53 MM
EPS(Q)
Highest at USD 1.61
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 33.2 MM
ROCE(HY)
Lowest at 1.83%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 8.67%
Here's what is working for Unity Bancorp, Inc.
NII
Highest at USD 28.56 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 42.6 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 17.93 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 42.08 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
Highest at USD 16.49 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Pre-Tax Profit
Highest at USD 21.53 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 21.53 MM has Grown at 71.51%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 16.49 MM has Grown at 74.43%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.61
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 52.42 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
CASA
Highest at 14.39%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Unity Bancorp, Inc.
Operating Cash Flow
Lowest at USD 33.2 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Dividend Payout Ratio
Lowest at 8.67%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
