Unity Bancorp Inc /Nj/
UNTY Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$58.23
KIRA · Stoqly’s AI analyst, in plain words
- Unity Bancorp Inc /Nj/ had $132M of revenue in fiscal 2025, up 23.1% on the year before. Over five years, revenue changed +11.2% a year on average.
- Unity Bancorp Inc /Nj/ made $58.0M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 17.0% a year.
- Unity Bancorp Inc /Nj/ returned $10.6M to shareholders in fiscal 2025, 24% of free cash flow. The diluted share count rose 0.2%.
- It earned 18.1% on shareholders’ money. Running costs took 39.7% of revenue (the efficiency ratio; lower is better).
Market cap
$595M
P/E
10.1x
Revenue
$132M
Net income
$58.0M
Return on equity
18.1%
Efficiency ratio
39.7%
Unity Bancorp Inc /Nj/ in 30 seconds · fiscal 2025
Are sales growing?
+23.1%
Yes. Sales grew 23.1% last year.
Does it make a profit?
44.0%
Yes. It keeps 44.0% of every sale as profit.
How lean are its costs?
39.7%
Lean. Running costs take 39.7% of revenue.
How much does it earn on its capital?
18.1%
Good. It earns 18.1% a year on shareholders’ money.
How is the share priced?
10.1x
One share costs 10.1 times its yearly profit per share.
What Unity Bancorp Inc /Nj/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 4, 2026
- Legal name
- UNITY BANCORP INC /NJ/
- CIK
- 0000920427
Unity Bancorp Inc /Nj/ · UNTY
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $89.1M | $98.2M | $103M | $107M | $132M |
| Revenue growth | 15.1% | 10.2% | 5.1% | 3.8% | 23.1% |
| Net interest income | $77.0M | $90.1M | $95.0M | $98.6M | $117M |
| Net income | $36.1M | $38.5M | $39.7M | $41.5M | $58.0M |
| Net margin | 40.5% | 39.2% | 38.5% | 38.7% | 44.0% |
| Diluted EPS | $3.43 | $3.59 | $3.84 | $4.06 | $5.67 |
| Cash | |||||
| Cash from operations | $32.5M | $42.7M | $46.9M | $48.0M | $44.9M |
| Capital expenditure | $1.2M | $1.5M | $1.0M | $0.7M | $0.6M |
| Free cash flow | $31.3M | $41.2M | $46.0M | $47.3M | $44.3M |
| FCF margin | 35.1% | 42.0% | 44.6% | 44.2% | 33.6% |
| Dividends paid | $3.6M | $4.4M | $4.7M | $5.0M | $5.6M |
| Share buybacks | $4.2M | $0.0M | $15.7M | $6.2M | $5.0M |
| Share count change | −2.5% | 1.5% | −3.4% | −1.3% | 0.2% |
| Debt and strength | |||||
| Cash and short-term investments | $245M | $210M | $195M | $180M | $217M |
| Debt incl. finance leases | $50.3M | $393M | $367M | $231M | — |
| Loans, net | $1.6B | $2.1B | $2.1B | $2.2B | $2.5B |
| Deposits | $1.8B | $1.8B | $1.9B | $2.1B | $2.3B |
| Shareholders' equity | $206M | $239M | $261M | $296M | $346M |
| Returns and quality | |||||
| Return on equity | 19.0% | 17.3% | 15.9% | 14.9% | 18.1% |
| Return on tangible equity | 17.7% | 16.2% | 15.3% | 14.1% | 16.8% |
| Efficiency ratio | 45.8% | 43.3% | 45.5% | 45.5% | 39.7% |
| Piotroski F-score | 6 | 3 | 5 | 7 | — |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$1.8M
9 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Unity Bancorp Inc /Nj/ · UNTY
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $58.23 a share, the company is worth $595M: 10.1 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000920427). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.