ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Unity Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 11.05%
2
Strong Long Term Fundamental Strength with a 19.64% CAGR growth in Net Profits
3
Positive results in Mar 26
- ROCE(HY) Highest at 2.09%
- DIVIDEND PER SHARE(HY) Highest at USD 0
- OPERATING PROFIT(Q) Highest at USD 18.57 MM
4
With ROA of 1.20%, it has a attractive valuation with a 1.57 Price to Book Value
- Over the past year, while the stock has generated a return of 26.84%, its profits have risen by 39.8% ; the PEG ratio of the company is 0.2
5
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -0.64% over the previous quarter and currently hold 3.75% 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.
26.84%
3.73
29.81%
S&P 500
26.39%
2.01
13.16%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.08%
EBIT Growth (5y)
19.51%
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
10.23%
Pledged Shares
0
Institutional Holding
52.46%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.57
EV to EBIT
7.84
EV to EBITDA
7.55
EV to Capital Employed
1.53
EV to Sales
3.28
PEG Ratio
0.24
Dividend Yield
NA
ROCE (Latest)
19.54%
ROE (Latest)
16.77%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
ROCE(HY)
Highest at 2.09%
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 18.57 MM
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 41.97 MM
ROCE(HY)
Lowest at 2.09%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 11.42%
Here's what is working for Unity Bancorp, Inc.
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)
Operating Profit
Highest at USD 18.57 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Here's what is not working for Unity Bancorp, Inc.
Operating Cash Flow
Lowest at USD 41.97 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 11.42%
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
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