UNTY Unity Bancorp Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: UNTY

Price (delayed)

$27.62

Market cap

$280.1M

P/E Ratio

7.1

Dividend/share

$0.49

EPS

$3.89

Enterprise value

$452.07M

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 equity has grown by 9% YoY and by 3.6% from the previous quarter
The debt has contracted by 8% from the previous quarter and by 7% YoY
UNTY's P/E is 9% above its last 4 quarters average of 6.5 but 7% below its 5-year quarterly average of 7.6
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.unitybank.com
Peers: PKBK PGC LBAI

Key stats

What are the main financial stats of UNTY
Market
Shares outstanding
10.14M
Market cap
$280.1M
Enterprise value
$452.07M
Valuations
Price to earnings (P/E)
7.1
Price to book (P/B)
1.06
Price to sales (P/S)
2.82
EV/EBIT
8.53
EV/EBITDA
8.16
EV/Sales
4.52
Earnings
Revenue
$99.97M
EBIT
$53M
EBITDA
$55.38M
Free cash flow
$45.95M
Per share
EPS
$3.89
Free cash flow per share
$4.5
Book value per share
$25.99
Revenue per share
$9.79
TBVPS
$252.47
Balance sheet
Total assets
$2.58B
Total liabilities
$2.32B
Debt
$366.75M
Equity
$261.43M
Working capital
N/A
Liquidity
Debt to equity
1.4
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3.11
Margins
EBITDA margin
55.4%
Gross margin
100%
Net margin
39.7%
Operating margin
53%
Efficiency
Return on assets
1.6%
Return on equity
15.9%
Return on invested capital
1.9%
Return on capital employed
N/A
Return on sales
53%
Dividend
Dividend yield
1.77%
DPS
$0.49
Payout ratio
12.6%

UNTY stock price

How has the Unity Bancorp stock price performed over time
Intraday
1.36%
1 week
2.64%
1 month
0.88%
1 year
22.43%
YTD
-6.66%
QTD
0.07%

Financial performance

How have Unity Bancorp's revenue and profit performed over time
Revenue
$99.97M
Gross profit
$99.97M
Operating income
$53M
Net income
$39.71M
Gross margin
100%
Net margin
39.7%
The gross profit is up by 6% year-on-year
The revenue rose by 6% year-on-year
The operating margin has declined by 3.3% year-on-year
The net margin has contracted by 3.2% YoY

Growth

What is Unity Bancorp's growth rate over time

Valuation

What is Unity Bancorp stock price valuation
P/E
7.1
P/B
1.06
P/S
2.82
EV/EBIT
8.53
EV/EBITDA
8.16
EV/Sales
4.52
UNTY's P/E is 9% above its last 4 quarters average of 6.5 but 7% below its 5-year quarterly average of 7.6
The company's EPS rose by 6% YoY
The P/B is 12% below the 5-year quarterly average of 1.2 but 6% above the last 4 quarters average of 1.0
The equity has grown by 9% YoY and by 3.6% from the previous quarter
UNTY's price to sales (P/S) is 8% higher than its last 4 quarters average of 2.6 but 2.8% lower than its 5-year quarterly average of 2.9
The revenue rose by 6% year-on-year

Efficiency

How efficient is Unity Bancorp business performance
Unity Bancorp's ROIC has decreased by 14% YoY
UNTY's ROE is down by 6% year-on-year and by 2.5% since the previous quarter
The ROA has contracted by 6% YoY
The company's return on sales fell by 3.3% YoY

Dividends

What is UNTY's dividend history
Dividend details
DPS
$0.49
Dividend yield
1.77%
Payout ratio
12.6%
Recent dividends

Financial health

How did Unity Bancorp financials performed over time
Unity Bancorp's total assets is 11% higher than its total liabilities
The total liabilities has increased by 5% year-on-year
Unity Bancorp's total assets has increased by 5% YoY
The debt is 40% more than the equity
The company's debt to equity fell by 15% YoY and by 11% QoQ
The equity has grown by 9% YoY and by 3.6% from the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.