UNTY Unity Bancorp Inc

Price (delayed)

$34.27

Market cap

$344.04M

P/E Ratio

8.88

Dividend/share

$0.5

EPS

$3.86

Enterprise value

$470.76M

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 19% YoY and by 16% from the previous quarter
The equity has grown by 11% YoY and by 2% from the previous quarter
UNTY's P/E is 31% above its last 4 quarters average of 6.8 and 20% above its 5-year quarterly average of 7.4

Key stats

What are the main financial stats of UNTY
Market
Shares outstanding
10.04M
Market cap
$344.04M
Enterprise value
$470.76M
Valuations
Price to earnings (P/E)
8.88
Price to book (P/B)
1.3
Price to sales (P/S)
3.48
EV/EBIT
9.06
EV/EBITDA
8.46
EV/Sales
4.72
Earnings
Revenue
$99.67M
EBIT
$51.99M
EBITDA
$55.66M
Free cash flow
$48.08M
Per share
EPS
$3.86
Free cash flow per share
$4.75
Book value per share
$26.31
Revenue per share
$9.84
TBVPS
$253.44
Balance sheet
Total assets
$2.57B
Total liabilities
$2.3B
Debt
$309.71M
Equity
$266.76M
Working capital
N/A
Liquidity
Debt to equity
1.16
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.28
Margins
EBITDA margin
55.8%
Gross margin
100%
Net margin
39.1%
Operating margin
52.2%
Efficiency
Return on assets
1.5%
Return on equity
15.2%
Return on invested capital
1.9%
Return on capital employed
N/A
Return on sales
52.2%
Dividend
Dividend yield
1.46%
DPS
$0.5
Payout ratio
13%

UNTY stock price

How has the Unity Bancorp stock price performed over time
Intraday
0.06%
1 week
9.52%
1 month
32.27%
1 year
29.76%
YTD
15.82%
QTD
15.89%

Financial performance

How have Unity Bancorp's revenue and profit performed over time
Revenue
$99.67M
Gross profit
$99.67M
Operating income
$51.99M
Net income
$39.01M
Gross margin
100%
Net margin
39.1%
The operating margin has declined by 5% year-on-year
The net margin has contracted by 4.6% YoY
The revenue rose by 3% year-on-year
The gross profit is up by 3% year-on-year

Growth

What is Unity Bancorp's growth rate over time

Valuation

What is Unity Bancorp stock price valuation
P/E
8.88
P/B
1.3
P/S
3.48
EV/EBIT
9.06
EV/EBITDA
8.46
EV/Sales
4.72
UNTY's P/E is 31% above its last 4 quarters average of 6.8 and 20% above its 5-year quarterly average of 7.4
The company's EPS rose by 2.7% YoY
The P/B is 30% above the last 4 quarters average of 1.0 and 18% above the 5-year quarterly average of 1.1
The equity has grown by 11% YoY and by 2% from the previous quarter
UNTY's price to sales (P/S) is 29% higher than its last 4 quarters average of 2.7 and 24% higher than its 5-year quarterly average of 2.8
The revenue rose by 3% year-on-year

Efficiency

How efficient is Unity Bancorp business performance
The ROA has contracted by 12% YoY and by 6% from the previous quarter
UNTY's ROE is down by 11% year-on-year and by 4.4% since the previous quarter
Unity Bancorp's ROIC has decreased by 10% YoY
The company's return on sales fell by 5% YoY

Dividends

What is UNTY's dividend history
DPS
$0.5
Dividend yield
1.46%
Payout ratio
13%
Recent dividends

Financial health

How did Unity Bancorp financials performed over time
Unity Bancorp's total assets is 12% higher than its total liabilities
Unity Bancorp's total assets has increased by 3.7% YoY
The total liabilities has increased by 2.9% year-on-year
The debt is 16% more than the equity
The company's debt to equity fell by 28% YoY and by 17% QoQ
The debt has contracted by 19% YoY and by 16% from the previous quarter

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