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Unity Bancorp, Inc. UNTY · Stock Open Unity Bancorp, Inc. in new tab

58.19 USD
P/E
10.43
EPS
5.75
Yield
1.10%
Safety Score
100
P/B
1.62
ROE
16.95
Beta
0.62
Target Price
68.55 USD
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Key Metrics
Earnings dateOct. 13, 2026
P/E10.43
EPS5.75
Book Value37.02
Price to Book1.62
% Insiders27.298%
Growth
Revenue Growth-0.06%
Earnings Growth-0.12%
Estimates
Forward P/E9.43
Forward EPS6.36
Target Mean Price68.55
Dividend
Dividend Yield1.10%
Annual dividends0.64 USD
Ex-Div. DateSept. 3, 2026
Payout10.27%
5y avg Yield1.45%

DCF Valuation

Tweak assumptions to recompute fair value for Unity Bancorp, Inc. (UNTY)
Currency: USD
DCF Assumptions
Decimal (e.g., 0.10 = 10%). Range allows declines (−50%) to strong growth (+50%).
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Decimal (e.g., 0.04 = 4%).
Decimal (e.g., 0.20 = 20%).
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Percent number (e.g., 10 = 10%).
Percent number (e.g., 5 = 5%).
DCF Result

Fair Value (DCF)
Current Price
Upside
WACC
Terminal PV
Σ PV of FCFs
Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

Unity Bancorp, Inc. Logo Unity Bancorp, Inc. Analysis (UNTY)

United States Financials Official Website Stock

Is Unity Bancorp, Inc. a good investment? Unity Bancorp, Inc. (UNTY) is currently trading at 58.19 USD. Market analysts have a consensus price target of 68.55 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 10.43. This relatively low multiple may signal that Unity Bancorp, Inc. is undervalued compared to historical market norms.

Earnings Schedule: Unity Bancorp, Inc. is expected to release its next earnings report on Oct. 13, 2026. The market consensus estimate for Forward EPS is 6.36.

For income investors, Unity Bancorp, Inc. pays a dividend yield of 1.10%. With a payout ratio of 10%, the dividend appears sustainable.

Investor FAQ

Does Unity Bancorp, Inc. pay a dividend?

Yes, it pays an annual dividend of 0.64 USD (1.10% yield).

What asset class is Unity Bancorp, Inc.?

Unity Bancorp, Inc. is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be Oct. 13, 2026. The company currently has a trailing EPS of 5.75.

Company Profile

Unity Bancorp, Inc. operates as the bank holding company for Unity Bank that provides commercial and retail banking services. It offers personal and business checking, money market, savings, retirement, money market accounts, as well as time and noninterest and interest-bearing demand deposits. The company also provides commercial, small business administration, consumer, mortgage, and home equity and personal loans; and owner and non-owner-occupied commercial mortgages. In addition, it is involved in the residential construction, commercial, and industrial lending activities secured by business assets, including real estate, receivables, inventory, and equipment. Further, the company offers credit and debit cards, wire transfers, safe deposit boxes, automated teller, and internet and mobile banking services; automated clearing house origination and remote deposit capture services; and business services, such as escrow account, merchant, and online services. Unity Bancorp, Inc. was founded in 1991 and is headquartered in Clinton, New Jersey.

Exchange Ticker
NMS (United States) UNTY
Trades
Dividend Yield
1.10%
5y avg 1.45%
Annual Dividends
0.64USD
Next Ex. Div Date
Sept. 3, 2026
Payout Ratio
10.27%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
2027
0.36 USD
June 28, 2027 (estimated) 0.1809
March 31, 2027 (estimated) 0.1813
2026
0.66 USD
Dec. 30, 2026 (estimated) 0.1697
Sept. 17, 2026 0.1700
June 18, 2026 0.1600
March 20, 2026 0.1600
2025
0.58 USD
Dec. 19, 2025 0.1500
Sept. 19, 2025 0.1500
June 20, 2025 0.1400
March 28, 2025 0.1400
2024
0.52 USD
Dec. 31, 2024 0.1300
Sept. 20, 2024 0.1300
June 21, 2024 0.1300
March 29, 2024 0.1300
2023
0.48 USD
Dec. 29, 2023 0.1200
Sept. 22, 2023 0.1200
June 23, 2023 0.1200
March 24, 2023 0.1200
2022
0.43 USD
Dec. 30, 2022 0.1100
Sept. 23, 2022 0.1100
June 24, 2022 0.1100
March 25, 2022 0.1000
2021
0.36 USD
Dec. 31, 2021 0.1000
Sept. 24, 2021 0.0900
June 25, 2021 0.0900
March 26, 2021 0.0800
2020
0.32 USD
Dec. 31, 2020 0.0800
Sept. 25, 2020 0.0800
June 26, 2020 0.0800
March 27, 2020 0.0800
2019
0.31 USD
Dec. 27, 2019 0.0800
Sept. 27, 2019 0.0800
June 28, 2019 0.0800
March 29, 2019 0.0700
2018
0.27 USD
Dec. 28, 2018 0.0700
Sept. 28, 2018 0.0700
June 29, 2018 0.0700
March 30, 2018 0.0600
2017
0.23 USD
Dec. 29, 2017 0.0600
Sept. 29, 2017 0.0600
June 29, 2017 0.0600
March 31, 2017 0.0500
2016
0.18 USD
Dec. 30, 2016 0.0500
Sept. 29, 2016 0.0500
June 30, 2016 0.0400
March 31, 2016 0.0400
2015
0.14 USD
Dec. 30, 2015 0.0400
Sept. 30, 2015 0.0400
June 30, 2015 0.0300
March 31, 2015 0.0300
2014
0.10 USD
Dec. 19, 2014 0.0300
Sept. 26, 2014 0.0300
June 27, 2014 0.0200
March 31, 2014 0.0200
2013
0.03 USD
Dec. 30, 2013 0.0100
Sept. 30, 2013 0.0100
June 28, 2013 0.0100
2008
0.15 USD
July 25, 2008 0.0500
April 25, 2008 0.0500
Jan. 25, 2008 0.0500
2007
0.20 USD
Oct. 26, 2007 0.0500
July 27, 2007 0.0500
April 27, 2007 0.0500
Jan. 26, 2007 0.0500
2006
0.20 USD
Oct. 27, 2006 0.0500
July 28, 2006 0.0500
April 28, 2006 0.0500
Jan. 27, 2006 0.0500
2005
0.18 USD
Oct. 28, 2005 0.0500
July 29, 2005 0.0500
April 29, 2005 0.0400
Jan. 28, 2005 0.0400
2004
0.15 USD
Oct. 29, 2004 0.0400
July 30, 2004 0.0400
April 30, 2004 0.0400
Jan. 31, 2004 0.0300
2003
0.03 USD
Oct. 31, 2003 0.0300
1999
0.23 USD
Nov. 16, 1999 0.0600
Aug. 25, 1999 0.0600
May 25, 1999 0.0600
Feb. 16, 1999 0.0500
1998
0.23 USD
Dec. 17, 1998 0.0480
Nov. 13, 1998 0.0320
July 29, 1998 0.0500
April 29, 1998 0.0500
Jan. 21, 1998 0.0500
1997
0.15 USD
Oct. 8, 1997 0.0500
July 2, 1997 0.0500
April 11, 1997 0.0500
Upcoming Dividends
Name Payment Date Status Amount
Unity Bancorp, Inc. Sep 17, 2026 0.17 USD
Unity Bancorp, Inc. Jun 18, 2026 0.16 USD
Unity Bancorp, Inc. Mar 20, 2026 0.16 USD
Unity Bancorp, Inc. Dec 19, 2025 0.15 USD
Stock Splits
Split Date Split Ratio to 1
June 2, 1998 1.5
Dec. 17, 1998 1.05
Feb. 24, 2003 1.05
June 14, 2004 1.05
June 13, 2005 1.05
June 14, 2006 1.05
June 13, 2007 1.05
June 11, 2008 1.05
Sept. 13, 2016 1.1
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