Unity Bancorp, Inc. (UNTY) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Financial Institutions, Inc.

Unity Bancorp, Inc.

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Civista Bancshares, Inc.

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Home Bancorp, Inc.

Why is Unity Bancorp, Inc. ?

High Profitability with a Net Interest Margin of 11.05%

Strong Long Term Fundamental Strength with a 19.64% CAGR growth in Net Profits

Positive results in Jun 26

OPERATING CASH FLOW(Y) Highest at USD 67.29 MM
DIVIDEND PER SHARE(HY) Highest at USD 0
NII(Q) Highest at USD 31.83 MM

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 26.98%, its profits have risen by 39.8% ; the PEG ratio of the company is 0.2

High Institutional Holdings at 57.56%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 5.1% over the previous quarter.

Consistent Returns over the last 3 years

Along with generating 26.98% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How 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.

28.36%

4.41

29.27%

S&P 500

21.51%

1.63

13.19%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

17.08%

EBIT Growth (5y)

19.51%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

10.23%

Pledged Shares

Institutional Holding

52.46%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

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

ROCE (Latest)

19.54%

ROE (Latest)

16.77%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

10What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 67.29 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

NII(Q)

Highest at USD 31.83 MM

CASH AND EQV(HY)

Highest at USD 52.86 MM

NET SALES(Q)

Highest at USD 46.63 MM

OPERATING PROFIT(Q)

Highest at USD 19.3 MM

-2What is not working for the Company

GROSS NPA (%)

Here's what is working for Unity Bancorp, Inc.

NII

Highest at USD 31.83 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Cash Flow

Highest at USD 67.29 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales

Highest at USD 46.63 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 19.3 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Cash and Eqv

Highest at USD 52.86 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Here's what is not working for Unity Bancorp, Inc.

Non Performing Loans (%)

Highest at 1.23%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)