Is Unity Bancorp, Inc. (UNTY) Overvalued?
We dive into why Unity Bancorp, Inc. (UNTY) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Rosalio Madrigal
A+ Stock Grade Summary:
| VALUE: |
|
|
| GROWTH: |
|
|
| MOMENTUM: |
|
|
| EPS REVISIONS: |
|
|
| QUALITY: |
|
|
COMPANY SUMMARY
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.
Commentary & Analysis
What You Need to Know About Unity Bancorp, Inc.'s Q3 Earnings
Unity Bancorp, Inc.'s fiscal Q3 earnings report was released on Tuesday, July 14. Let's dive in to see if (UNTY) missed or beat analyst's expectations.Michael Rose
What You Need to Know About Unity Bancorp, Inc.'s Q2 Earnings
Unity Bancorp, Inc.'s fiscal Q2 earnings report was released on Tuesday, April 14. Let's dive in to see if (UNTY) missed or beat analyst's expectations.Michael Rose
3 Undervalued Banks Stocks for Monday, March 30
Discover the top 3 undervalued Banks stocks for Monday, March 30 based on AAII’s Stock Grades.Jenna Brashear
What You Need to Know About Unity Bancorp, Inc.'s Q1 Earnings
Unity Bancorp, Inc.'s fiscal Q1 earnings report was released on Tuesday, January 13. Let's dive in to see if (UNTY) missed or beat analyst's expectations.Tudor Pop
Financial Summary
| Share Statistics | UNTY | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $590.3 | $746.4 | 38% |
|
| Shares Out (Mil) | 10.2 | 15.0 | 20% |
|
| Institutional Ownership | 85.1% | 83.5% | 53% |
|
| Float (Mil) | 7.3 | 21.8 | 15% |
|
| Beta | 0.63 | 0.45 | 37% |
|
| Avg Daily Volume (000s) | 53 | 48 | 29% |
|
| Price Change (52-week) |
12.1% | 94.2% | 57% |
|
| Growth | UNTY | Industry Median |
Percentile (All Stocks) |
|
| Sales (5yr) | 12.7% | 7.7% | 67% |
|
| Net Income (5yr) | 19.7% | 11.1% | 73% |
|
| EPS (5yr) | 21.0% | 10.1% | 70 |
|
| Dividends (5yr) | 12.6% | 3.7% | 71% |
|
| Cash Flow (5yr) | (8.8%) | (17.1%) | 59% |
|
| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
|
| # of Estimates | 4 | 5 | 5 | |
| Current EPS | $1.495 | $5.846 | $6.358 | |
| Month Ago EPS | $1.495 | $5.846 | $6.358 | |
| # Rev Up | 1 | 1 | 1 | |
| # Rev Down | 2 | 1 | 1 | |
| Three Months Ago EPS | $1.480 | $5.835 | $6.325 | |
| Year/Year Chg | 5.3% | 3.1% | 16.0% | |
| Financials | UNTY | Industry Median |
Percentile (All Stocks) |
|
| Sales (TTM) (Mil) | $130 | $195 | 28% |
|
| Net Income (TTM) (Mil) | $59 | $55 | 56% |
|
| EPS (TTM) | $5.848 | $2.600 | 88% |
|
| Operating Cash Flow (TTM) (Mil) | $28 | $33 | 43% |
|
| Net Cash Flow (TTM) (Mil) | ($43) | $1 | 20% |
|
| Long-Term Debt (Q1) (Mil) | $130 | $98 | 46% |
|
| Enterprise Value (Q1) (Mil) | na | $0 | na |
|
| Valuation | UNTY | Industry Median |
Percentile (All Stocks) |
|
| P/B | 1.59 | 1.24 | 41% |
|
| P/E | 10.2 | 12.4 | 17% |
|
| Dividend Yield | 1.1% | 2.2% | 68% |
|
| PEG (5yr hist) | 0.5 | 1.1 | 24% |
|
| Ratios | UNTY | Industry Median |
Percentile (All Stocks) |
|
| Gross Margin | na | 63.7% | na |
|
| Net Margin | 44.9% | 29.2% | 96% |
|
| ROA | 1.9% | 1.1% | 55% |
|
| ROE | 17.0% | 11.3% | 75% |
|
| Liabilities to Assets | 88.4% | 89.7% | 83% |
|
| F-Score | 4 | 4 | 34% |
|
Passing Stock Screens
As of 8/28/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
