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Price (delayed)
$39.2
Market cap
$391.2M
P/E Ratio
10.21
Dividend/share
$0.51
EPS
$3.84
Enterprise value
$478.89M
Unity Bancorp, Inc. the parent company of Unity Bank, its primary and wholly owned subsidiary, is a financial services organization headquartered in Clinton, New Jersey. Unity Bank provides financial services
Highlights
The debt has contracted by 34% YoY and by 8% from the previous quarter
The equity has grown by 12% YoY and by 2.5% from the previous quarter
UNTY's P/E is 44% above its last 4 quarters average of 7.1 and 40% above its 5-year quarterly average of 7.3
The net income has contracted by 2.8% YoY
Key stats
What are the main financial stats of UNTY
Market
Valuations
Earnings
Shares outstanding
9.98M
Market cap
$391.2M
Enterprise value
$478.89M
Price to earnings (P/E)
10.21
Price to book (P/B)
1.44
Price to sales (P/S)
3.95
EV/EBIT
9.31
EV/EBITDA
8.88
EV/Sales
4.82
Revenue
$99.34M
EBIT
$51.43M
EBITDA
$53.92M
Free cash flow
$44.96M
Per share
Balance sheet
Liquidity
EPS
$3.84
Free cash flow per share
$4.49
Book value per share
$27.23
Revenue per share
$9.92
TBVPS
$259.2
Total assets
$2.6B
Total liabilities
$2.32B
Debt
$285.11M
Equity
$273.4M
Working capital
N/A
Debt to equity
1.04
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.63
Margins
Efficiency
Dividend
EBITDA margin
54.3%
Gross margin
100%
Net margin
39%
Operating margin
51.8%
Return on assets
1.5%
Return on equity
14.7%
Return on invested capital
1.9%
Return on capital employed
N/A
Return on sales
51.8%
Dividend yield
1.3%
DPS
$0.51
Payout ratio
13.3%
UNTY stock price
How has the Unity Bancorp stock price performed over time
Intraday
-0.03%
1 week
0.2%
1 month
12.1%
1 year
71.1%
YTD
32.48%
QTD
15.09%
Financial performance
How have Unity Bancorp's revenue and profit performed over time
Revenue
$99.34M
Gross profit
$99.34M
Operating income
$51.43M
Net income
$38.76M
Gross margin
100%
Net margin
39%
The operating margin has declined by 5% year-on-year
The net margin has contracted by 3.7% YoY
Unity Bancorp's operating income has decreased by 4.4% YoY
The net income has contracted by 2.8% YoY
Growth
What is Unity Bancorp's growth rate over time
Valuation
What is Unity Bancorp stock price valuation
P/E
10.21
P/B
1.44
P/S
3.95
EV/EBIT
9.31
EV/EBITDA
8.88
EV/Sales
4.82
UNTY's P/E is 44% above its last 4 quarters average of 7.1 and 40% above its 5-year quarterly average of 7.3
The P/B is 31% above the 5-year quarterly average of 1.1 and 31% above the last 4 quarters average of 1.1
The equity has grown by 12% YoY and by 2.5% from the previous quarter
UNTY's price to sales (P/S) is 41% higher than its 5-year quarterly average of 2.8 and 41% higher than its last 4 quarters average of 2.8
Efficiency
How efficient is Unity Bancorp business performance
UNTY's ROE is down by 12% year-on-year and by 3.3% since the previous quarter
The ROA has contracted by 6% YoY
Unity Bancorp's ROIC has decreased by 5% YoY
The company's return on sales fell by 5% YoY
Dividends
What is UNTY's dividend history
DPS
$0.51
Dividend yield
1.3%
Payout ratio
13.3%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Unity Bancorp financials performed over time
Unity Bancorp's total assets is 12% higher than its total liabilities
The debt is 4.3% more than the equity
The company's debt to equity fell by 42% YoY and by 10% QoQ
The debt has contracted by 34% YoY and by 8% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.