Unity Bancorp Inc
Research Unity Bancorp Inc (UNTY) on Bullrun: valuation model: 7.8% undervalued, market cap USD 588.72M, P/E 10.2, dividend yield 1.1%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerUNTY
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal7.8% undervalued
- Market capUSD 588.72M
- P/E10.2
- Dividend yield1.1%
- Financial periodQ2 2026
- RevenueUSD 33.35M
- Net incomeUSD 14.47M
- Free cash flow-USD 38.84M
Valuation Snapshot
Bullrun's latest valuation model marks Unity Bancorp Inc as 7.8% undervalued; latest market cap is USD 588.72M; P/E is 10.2; dividend yield is 1.1%.
Peer valuation comparison
Latest P/E is 10.21x versus a Financial Services sector median of 13.84x (26.2% below).
Latest dividend yield is 1.06% versus a Financial Services sector median of 3.86% (72.5% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 133.79M | USD 57.95M | USD 44.34M | n/a | 5.67 | USD 216.52M | USD 266.08M | USD 345.63M |
| FY2024 | USD 104.79M | USD 41.45M | USD 47.29M | n/a | 4.06 | USD 180.44M | USD 230.81M | USD 295.58M |
| FY2023 | n/a | USD 39.71M | USD 45.95M | n/a | 3.84 | USD 194.78M | USD 366.75M | USD 261.43M |
| FY2022 | n/a | USD 38.46M | USD 41.19M | n/a | 3.59 | USD 114.79M | USD 393.31M | USD 239.23M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 588.72M | 10.2 | 1.1% | 0.62 |
| 2025 | 2025-12-31 | USD 516.27M | 9.1 | 1.1% | 0.58 |
| 2024 | 2024-12-31 | USD 437.23M | 10.7 | 1.2% | 0.52 |
| 2023 | 2023-12-29 | USD 297.61M | 7.8 | 1.6% | 0.48 |
| 2022 | 2022-12-30 | USD 288.20M | 7.6 | 1.6% | 0.43 |
| 2021 | 2021-12-31 | USD 272.76M | 7.7 | 1.4% | 0.36 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.62 USD, yield 1.1%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.58 USD |
| FY2024 | 0.52 USD |
| FY2023 | 0.48 USD |
| FY2022 | 0.43 USD |
About Unity Bancorp Inc
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.
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Frequently asked questions
Is Unity Bancorp Inc overvalued or undervalued?
Bullrun's valuation model currently marks Unity Bancorp Inc as 7.8% undervalued.
What is Unity Bancorp Inc's market cap?
Unity Bancorp Inc's market capitalization is USD 588.72M.
What is Unity Bancorp Inc's P/E ratio?
Unity Bancorp Inc's price-to-earnings (P/E) ratio is 10.2.
Does Unity Bancorp Inc pay a dividend?
Unity Bancorp Inc has a dividend yield of 1.1%.
What does Unity Bancorp Inc do?
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.