UNTY

NEUTRAL

$52.66 Live

Unity Bancorp, Inc. · NASDAQ

Target $65.0 (+23.4%)

$41.0 52W Range $57.3

UNTY Unity Bancorp, Inc. - Fundamental Analysis

NEUTRAL

Console Chart News

UNTY Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$52.66

Analyst Target

$65.0

+23.4% Upside

52W High

$57.3

52W Low

$41.0

Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 22, 2026

Market cap

$528.81M

P/E

8.87

ROE

18.3%

Profit margin

45.8%

Debt/Equity

N/A

Dividend yield

1.14%

AI Analysis

AI-powered fundamental assessment

Confidence

75%

Unity Bancorp presents a stark contrast between strong growth/valuation and deteriorating financial health. While the stock is fundamentally undervalued with a P/E of 8.87 and a PEG of 0.99, the Piotroski F-Score of 2/9 indicates significant weakness in financial strength and operational efficiency. Despite consistent earnings beats over 25 quarters and a bullish analyst target of $65.00, the combination of a bearish technical trend and net insider selling suggests caution.

Key Strengths

Strong earnings growth (YoY +23.9%) and revenue growth (YoY +16.1%)

Attractive valuation with a P/E of 8.87 and PEG ratio of 0.99

Excellent earnings track record with 3/4 recent beats and long-term consistency

Healthy ROE of 18.26% and ROA of 2.09% for a regional bank

Low dividend payout ratio (10.10%) providing significant room for growth

Key Risks

Critical financial health warning indicated by a Piotroski F-Score of 2/9

Bearish insider sentiment with 4 sell transactions and 0 buys in the last 6 months

Technical trend is currently 0/100 (Bearish)

Significant discrepancy between current price and growth-based intrinsic value ($175.23), suggesting market skepticism

Regional banking sector volatility and potential asset quality deterioration

AI Fair Value Estimate

Based on comprehensive analysis

$65.0

+23.4% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Value Trap Risk

Key drivers: Low P/E and PEG, Strong EPS growth, Poor Piotroski F-Score, Bearish Insider Activity

Confidence

80%

Value

85/100

Ref P/E 8.87, PEG 0.99, Graham Number $68.03

Positives

P/E well below sector average
Trading below Graham Number ($68.03)

Watchpoints

Price/Book of 1.52 is moderate

Future

80/100

Ref Growth rates and Earnings track record

Positives

Consistent earnings surprises
Strong Q/Q revenue growth (27.47%)

Watchpoints

Recent Q/Q EPS growth dip (-7.9%)

Past

90/100

Ref Historical price and earnings trends

Positives

5Y Change of +166.1%
Long-term EPS progression is positive

Watchpoints

No urgent risks highlighted.

Health

20/100

Ref Piotroski F-Score

Positives

Positive ROA

Watchpoints

Piotroski F-Score of 2/9 is very weak

Dividend

40/100

Ref Yield 1.14%, Payout 10.10%

Positives

Very low payout ratio

Watchpoints

Low dividend yield (1.14%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$52.66

Analyst Target

$65.0

Upside/Downside

+23.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for UNTY and closest competitors.

Updated 2026-04-21

Company	5Y	3Y	1Y	6M	1M	1W
UNTY Unity Bancorp, Inc. Primary	+166.1%	+137.2%	+31.1%	+9.4%	+3.8%	-4.2%
HIVE HIVE Digital Technologies Ltd. Peer	-89.8%	-45.0%	+45.5%	-68.5%	-2.4%	+8.3%
BWB Bridgewater Bancshares, Inc. Peer	+20.8%	+87.2%	+51.6%	+9.8%	+12.7%	+1.2%
ALTI AlTi Global, Inc. Peer	-63.1%	-71.3%	+18.4%	+0.8%	-18.7%	+2.9%
BGB Blackstone Strategic Credit 2027 Term Fund Peer	+38.8%	+43.3%	+5.0%	-0.5%	+2.1%	-0.1%

UNT

Unity Bancorp, Inc.

Primary

+166.1%

+137.2%

+31.1%

+9.4%

+3.8%

-4.2%

HIV

HIVE Digital Technologies Ltd.

Peer

-89.8%

-45.0%

+45.5%

-68.5%

-2.4%

+8.3%

BWB

Bridgewater Bancshares, Inc.

Peer

+20.8%

+87.2%

+51.6%

+9.8%

+12.7%

+1.2%

ALT

AlTi Global, Inc.

Peer

-63.1%

-71.3%

+18.4%

+0.8%

-18.7%

+2.9%

BGB

Blackstone Strategic Credit 2027 Term Fund

Peer

+38.8%

+43.3%

+5.0%

-0.5%

+2.1%

-0.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

8.87

8.16

0.99

1.52

3.99

4.22

N/A

$528.81M

Profitability

Profit margins and return metrics

Profit Margin 45.8%

Operating Margin 57.7%

Gross Margin N/A

ROE 18.26%

ROA 2.09%

Growth

Revenue and earnings growth rates

Revenue Growth +16.1%

Earnings Growth +23.9%

Q/Q Revenue Growth +27.47%

Q/Q Earnings Growth +23.2%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$22.82

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-14

$N/A

2026-04-14

$1.4

+1.8% surprise

2026-01-13

$1.52

+12.0% surprise

2025-10-14

$1.41

+9.3% surprise

Financial Services Sector Comparison

Comparing UNTY against 586 companies in the Financial Services sector (108 bullish, 244 neutral, 234 bearish)

P/E Ratio

8.87

This Stock

41.27

Sector Avg

-78.5% (Discount)

Return on Equity (ROE)

18.26%

This Stock

-0.07%

Sector Avg

-25042.9% (Below Avg)

Profit Margin

45.8%

This Stock

47.24%

Sector Avg

-3.0% (Weaker)

Revenue Growth

16.1%

This Stock

38.08%

Sector Avg

-57.7% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
UNTY Unity Bancorp, Inc.	NEUTRAL	$528.81M	8.87	18.3%	45.8%	$52.66
HIVE HIVE Digital Technologies Ltd.	BEARISH	$526.77M	-	-25.2%	-48.6%	$2.08	Compare
BWB Bridgewater Bancshares, Inc.	NEUTRAL	$531.17M	12.81	9.5%	33.6%	$19.09	Compare
ALTI AlTi Global, Inc.	NEUTRAL	$531.27M	-	-25.5%	-70.7%	$3.6	Compare
BGB Blackstone Strategic...	BEARISH	$531.51M	11.55	-%	-%	$11.9	Compare

UNTY Unity Bancorp, Inc.

NEUTRAL

Mkt Cap

$529M

P/E

8.9

ROE

18.3%

Price

$52.66

Compare with UNTY

Compare with UNTY

ALTI AlTi Global, Inc.

Compare with UNTY

Compare with UNTY

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-04-17	GROSS MARY E	Director	Sale	2,075	$116,221
2026-03-13	DALLAS ROBERT H II	Director and Beneficial Owner of more than 10% of a Class of Security	Sale	14,813	$735,434
2026-03-12	DALLAS ROBERT H II	Director and Beneficial Owner of more than 10% of a Class of Security	Option Exercise	17,300	$346,522
2026-03-10	HUGHES JAMES A	Chief Executive Officer	Stock Award	15,000	-
2026-03-10	BOYAN GEORGE	President	Stock Award	10,250	-
2026-02-18	HUGHES JAMES A	Chief Executive Officer	Sale	1,500	$81,750
2026-02-18	HUGHES JAMES A	Chief Executive Officer	Option Exercise	1,500	$13,425
2026-01-29	DONOVAN JAMES JOSEPH	Officer	Sale	265	$13,809
2026-01-27	COURTRIGHT WAYNE	Director	Stock Award	1,200	-
2026-01-27	BRODY MARK S	Director	Stock Award	1,200	-
2026-01-27	PATEL RAJ	Director	Stock Award	1,200	-
2026-01-27	GROSS MARY E	Director	Stock Award	1,200	-
2026-01-27	GERACI VINCENT	Officer	Stock Award	3,250	-
2026-01-27	DONOVAN JAMES JOSEPH	Officer	Stock Award	2,000	-
2026-01-27	DAVIES JAMES R	Chief Financial Officer	Stock Award	2,000	-

GROSS MARY E

Director

Sell

2026-04-17

2,075 shares · $116,221

DALLAS ROBERT H II

Director and Beneficial Owner of more than 10% of a Class of Security

Sell

2026-03-13

14,813 shares · $735,434

DALLAS ROBERT H II

Director and Beneficial Owner of more than 10% of a Class of Security

Option Exercise

2026-03-12

17,300 shares · $346,522

HUGHES JAMES A

Chief Executive Officer

Stock Award

2026-03-10

15,000 shares

BOYAN GEORGE

President

Stock Award

2026-03-10

10,250 shares

HUGHES JAMES A

Chief Executive Officer

Sell

2026-02-18

1,500 shares · $81,750

HUGHES JAMES A

Chief Executive Officer

Option Exercise

2026-02-18

1,500 shares · $13,425

DONOVAN JAMES JOSEPH

Officer

Sell

2026-01-29

265 shares · $13,809

COURTRIGHT WAYNE

Director

Stock Award

2026-01-27

1,200 shares

BRODY MARK S

Director

Stock Award

2026-01-27

1,200 shares

PATEL RAJ

Director

Stock Award

2026-01-27

1,200 shares

GROSS MARY E

Director

Stock Award

2026-01-27

1,200 shares

GERACI VINCENT

Officer

Stock Award

2026-01-27

3,250 shares

DONOVAN JAMES JOSEPH

Officer

Stock Award

2026-01-27

2,000 shares

DAVIES JAMES R

Chief Financial Officer

Stock Award

2026-01-27

2,000 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-04-14

Unity Software Inc. filed an 8-K on April 14, 2026, likely to announce its first-quarter financial results.

DEF 14A

2026-03-06

Unity Software Inc. (UNTY) filed a definitive proxy statement on March 6, 2026, providing shareholders with necessary information and voting materials for its upcoming annual meeting.

10-K

2026-03-04

Unity Software Inc. (UNTY) filed its 10-K annual report on March 4, 2026, covering its business operations, risk factors, and financial condition. Specific financial highlights and risk details were not provided in the available excerpts for analysis.

8-K

2026-02-26

Unity Software Inc. filed an 8-K to report its fourth-quarter and full-year financial results for the fiscal year ending December 31, 2025.

8-K

2026-01-13

8-K

2025-12-18

8-K

2025-11-20

8-K

2025-11-20

10-Q

2025-11-06

Unity Bancorp, Inc. expanded its loan portfolio as of September 30, 2025, with commercial loans increasing to $1.58 billion and residential mortgage loans rising to $676.9 million. The company also grew its cash and cash equivalents to $203.5 million, while total securities decreased to $131.3 million. Specific risk factors were not detailed in the provided excerpts.

8-K

2025-10-14

Unity Software Inc. likely filed this 8-K to report its third-quarter financial results for 2025.

8-K

2025-08-21

10-Q

2025-08-06

8-K

2025-07-15

8-K

2025-05-22

10-Q

2025-05-07

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

2 analysts

Piper Sandler

2026-01-15

Maintains

Overweight Overweight

Keefe, Bruyette & Woods

2026-01-14

Maintains

Outperform Outperform

Past News Coverage

Recent headlines mentioning UNTY from our newsroom.

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UNTY

UNTY Unity Bancorp, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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