Financhill
Buy
75

UNTY Quote, Financials, Valuation and Earnings

Last price:
$52.14
Seasonality move :
6.93%
Day range:
$51.13 - $52.49
52-week range:
$36.65 - $54.64
Dividend yield:
1.07%
P/E ratio:
9.88x
P/S ratio:
2.95x
P/B ratio:
1.57x
Volume:
26.4K
Avg. volume:
36K
1-year change:
14.62%
Market cap:
$523.6M
Revenue:
$164.2M
EPS (TTM):
$5.28

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
UNTY
Unity Bancorp, Inc.
$31.4M $1.29 -21.11% 20.33% $59.00
AFBI
Affinity Bancshares, Inc.
-- -- -- -- --
FRAF
Franklin Financial Services Corp. (Pennsylvania)
-- -- -- -- --
NBN
Northeast Bank (Maine)
$57.4M $2.68 -39.94% -10.13% $108.00
NWFL
Norwood Financial Corp.
$22.1M $0.71 98.87% 47.68% $28.00
RBCAA
Republic Bancorp, Inc. (Kentucky)
$92.4M $1.41 -21.21% 37.67% $75.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
UNTY
Unity Bancorp, Inc.
$52.15 $59.00 $523.6M 9.88x $0.15 1.07% 2.95x
AFBI
Affinity Bancshares, Inc.
$20.25 -- $124.9M 17.44x $1.50 0% 2.54x
FRAF
Franklin Financial Services Corp. (Pennsylvania)
$53.98 -- $241.8M 15.41x $0.33 2.43% 1.90x
NBN
Northeast Bank (Maine)
$92.59 $108.00 $792.8M 8.71x $0.01 0.04% 2.12x
NWFL
Norwood Financial Corp.
$28.77 $28.00 $266.5M 43.95x $0.31 4.31% 2.30x
RBCAA
Republic Bancorp, Inc. (Kentucky)
$68.95 $75.00 $1.3B 10.62x $0.45 2.55% 2.61x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
UNTY
Unity Bancorp, Inc.
42.01% 1.341 49.32% 0.00x
AFBI
Affinity Bancshares, Inc.
30.1% 0.517 44.21% 0.00x
FRAF
Franklin Financial Services Corp. (Pennsylvania)
56.36% 0.279 104.28% 0.00x
NBN
Northeast Bank (Maine)
39.5% 1.067 39.11% 0.00x
NWFL
Norwood Financial Corp.
23.48% 0.730 30.61% 0.00x
RBCAA
Republic Bancorp, Inc. (Kentucky)
30.83% 0.349 34.25% 0.00x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
UNTY
Unity Bancorp, Inc.
-- $18.9M 9.19% 17.53% 70.51% $45.3M
AFBI
Affinity Bancshares, Inc.
-- $2.9M 4.14% 6% 59.72% $3.6M
FRAF
Franklin Financial Services Corp. (Pennsylvania)
-- $6.7M 4.08% 10.18% 52.6% $9.1M
NBN
Northeast Bank (Maine)
-- $31.4M 10.65% 19.22% 75.63% $49M
NWFL
Norwood Financial Corp.
-- $10.5M 2.12% 3.51% 64.17% $8.3M
RBCAA
Republic Bancorp, Inc. (Kentucky)
-- $37.8M 8.36% 12.38% 53.53% $21.8M

Unity Bancorp, Inc. vs. Competitors

  • Which has Higher Returns UNTY or AFBI?

    Affinity Bancshares, Inc. has a net margin of 30.41% compared to Unity Bancorp, Inc.'s net margin of 16.41%. Unity Bancorp, Inc.'s return on equity of 17.53% beat Affinity Bancshares, Inc.'s return on equity of 6%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNTY
    Unity Bancorp, Inc.
    -- $1.41 $576M
    AFBI
    Affinity Bancshares, Inc.
    -- $0.34 $179.4M
  • What do Analysts Say About UNTY or AFBI?

    Unity Bancorp, Inc. has a consensus price target of $59.00, signalling upside risk potential of 13.14%. On the other hand Affinity Bancshares, Inc. has an analysts' consensus of -- which suggests that it could fall by --. Given that Unity Bancorp, Inc. has higher upside potential than Affinity Bancshares, Inc., analysts believe Unity Bancorp, Inc. is more attractive than Affinity Bancshares, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    UNTY
    Unity Bancorp, Inc.
    1 0 0
    AFBI
    Affinity Bancshares, Inc.
    0 0 0
  • Is UNTY or AFBI More Risky?

    Unity Bancorp, Inc. has a beta of 0.642, which suggesting that the stock is 35.783% less volatile than S&P 500. In comparison Affinity Bancshares, Inc. has a beta of 0.220, suggesting its less volatile than the S&P 500 by 77.99%.

  • Which is a Better Dividend Stock UNTY or AFBI?

    Unity Bancorp, Inc. has a quarterly dividend of $0.15 per share corresponding to a yield of 1.07%. Affinity Bancshares, Inc. offers a yield of 0% to investors and pays a quarterly dividend of $1.50 per share. Unity Bancorp, Inc. pays 12.8% of its earnings as a dividend. Affinity Bancshares, Inc. pays out -- of its earnings as a dividend. Unity Bancorp, Inc.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNTY or AFBI?

    Unity Bancorp, Inc. quarterly revenues are $47.3M, which are larger than Affinity Bancshares, Inc. quarterly revenues of $13.5M. Unity Bancorp, Inc.'s net income of $14.4M is higher than Affinity Bancshares, Inc.'s net income of $2.2M. Notably, Unity Bancorp, Inc.'s price-to-earnings ratio is 9.88x while Affinity Bancshares, Inc.'s PE ratio is 17.44x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Unity Bancorp, Inc. is 2.95x versus 2.54x for Affinity Bancshares, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNTY
    Unity Bancorp, Inc.
    2.95x 9.88x $47.3M $14.4M
    AFBI
    Affinity Bancshares, Inc.
    2.54x 17.44x $13.5M $2.2M
  • Which has Higher Returns UNTY or FRAF?

    Franklin Financial Services Corp. (Pennsylvania) has a net margin of 30.41% compared to Unity Bancorp, Inc.'s net margin of 15.53%. Unity Bancorp, Inc.'s return on equity of 17.53% beat Franklin Financial Services Corp. (Pennsylvania)'s return on equity of 10.18%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNTY
    Unity Bancorp, Inc.
    -- $1.41 $576M
    FRAF
    Franklin Financial Services Corp. (Pennsylvania)
    -- $1.19 $381.2M
  • What do Analysts Say About UNTY or FRAF?

    Unity Bancorp, Inc. has a consensus price target of $59.00, signalling upside risk potential of 13.14%. On the other hand Franklin Financial Services Corp. (Pennsylvania) has an analysts' consensus of -- which suggests that it could fall by --. Given that Unity Bancorp, Inc. has higher upside potential than Franklin Financial Services Corp. (Pennsylvania), analysts believe Unity Bancorp, Inc. is more attractive than Franklin Financial Services Corp. (Pennsylvania).

    Company Buy Ratings Hold Ratings Sell Ratings
    UNTY
    Unity Bancorp, Inc.
    1 0 0
    FRAF
    Franklin Financial Services Corp. (Pennsylvania)
    0 0 0
  • Is UNTY or FRAF More Risky?

    Unity Bancorp, Inc. has a beta of 0.642, which suggesting that the stock is 35.783% less volatile than S&P 500. In comparison Franklin Financial Services Corp. (Pennsylvania) has a beta of -0.101, suggesting its less volatile than the S&P 500 by 110.091%.

  • Which is a Better Dividend Stock UNTY or FRAF?

    Unity Bancorp, Inc. has a quarterly dividend of $0.15 per share corresponding to a yield of 1.07%. Franklin Financial Services Corp. (Pennsylvania) offers a yield of 2.43% to investors and pays a quarterly dividend of $0.33 per share. Unity Bancorp, Inc. pays 12.8% of its earnings as a dividend. Franklin Financial Services Corp. (Pennsylvania) pays out 50.91% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNTY or FRAF?

    Unity Bancorp, Inc. quarterly revenues are $47.3M, which are larger than Franklin Financial Services Corp. (Pennsylvania) quarterly revenues of $34.5M. Unity Bancorp, Inc.'s net income of $14.4M is higher than Franklin Financial Services Corp. (Pennsylvania)'s net income of $5.4M. Notably, Unity Bancorp, Inc.'s price-to-earnings ratio is 9.88x while Franklin Financial Services Corp. (Pennsylvania)'s PE ratio is 15.41x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Unity Bancorp, Inc. is 2.95x versus 1.90x for Franklin Financial Services Corp. (Pennsylvania). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNTY
    Unity Bancorp, Inc.
    2.95x 9.88x $47.3M $14.4M
    FRAF
    Franklin Financial Services Corp. (Pennsylvania)
    1.90x 15.41x $34.5M $5.4M
  • Which has Higher Returns UNTY or NBN?

    Northeast Bank (Maine) has a net margin of 30.41% compared to Unity Bancorp, Inc.'s net margin of 25.66%. Unity Bancorp, Inc.'s return on equity of 17.53% beat Northeast Bank (Maine)'s return on equity of 19.22%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNTY
    Unity Bancorp, Inc.
    -- $1.41 $576M
    NBN
    Northeast Bank (Maine)
    -- $2.67 $849.1M
  • What do Analysts Say About UNTY or NBN?

    Unity Bancorp, Inc. has a consensus price target of $59.00, signalling upside risk potential of 13.14%. On the other hand Northeast Bank (Maine) has an analysts' consensus of $108.00 which suggests that it could grow by 16.64%. Given that Northeast Bank (Maine) has higher upside potential than Unity Bancorp, Inc., analysts believe Northeast Bank (Maine) is more attractive than Unity Bancorp, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    UNTY
    Unity Bancorp, Inc.
    1 0 0
    NBN
    Northeast Bank (Maine)
    0 1 0
  • Is UNTY or NBN More Risky?

    Unity Bancorp, Inc. has a beta of 0.642, which suggesting that the stock is 35.783% less volatile than S&P 500. In comparison Northeast Bank (Maine) has a beta of 0.552, suggesting its less volatile than the S&P 500 by 44.83%.

  • Which is a Better Dividend Stock UNTY or NBN?

    Unity Bancorp, Inc. has a quarterly dividend of $0.15 per share corresponding to a yield of 1.07%. Northeast Bank (Maine) offers a yield of 0.04% to investors and pays a quarterly dividend of $0.01 per share. Unity Bancorp, Inc. pays 12.8% of its earnings as a dividend. Northeast Bank (Maine) pays out 0.4% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNTY or NBN?

    Unity Bancorp, Inc. quarterly revenues are $47.3M, which are smaller than Northeast Bank (Maine) quarterly revenues of $87.8M. Unity Bancorp, Inc.'s net income of $14.4M is lower than Northeast Bank (Maine)'s net income of $22.5M. Notably, Unity Bancorp, Inc.'s price-to-earnings ratio is 9.88x while Northeast Bank (Maine)'s PE ratio is 8.71x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Unity Bancorp, Inc. is 2.95x versus 2.12x for Northeast Bank (Maine). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNTY
    Unity Bancorp, Inc.
    2.95x 9.88x $47.3M $14.4M
    NBN
    Northeast Bank (Maine)
    2.12x 8.71x $87.8M $22.5M
  • Which has Higher Returns UNTY or NWFL?

    Norwood Financial Corp. has a net margin of 30.41% compared to Unity Bancorp, Inc.'s net margin of 24.02%. Unity Bancorp, Inc.'s return on equity of 17.53% beat Norwood Financial Corp.'s return on equity of 3.51%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNTY
    Unity Bancorp, Inc.
    -- $1.41 $576M
    NWFL
    Norwood Financial Corp.
    -- $0.89 $307M
  • What do Analysts Say About UNTY or NWFL?

    Unity Bancorp, Inc. has a consensus price target of $59.00, signalling upside risk potential of 13.14%. On the other hand Norwood Financial Corp. has an analysts' consensus of $28.00 which suggests that it could fall by -2.68%. Given that Unity Bancorp, Inc. has higher upside potential than Norwood Financial Corp., analysts believe Unity Bancorp, Inc. is more attractive than Norwood Financial Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    UNTY
    Unity Bancorp, Inc.
    1 0 0
    NWFL
    Norwood Financial Corp.
    1 1 0
  • Is UNTY or NWFL More Risky?

    Unity Bancorp, Inc. has a beta of 0.642, which suggesting that the stock is 35.783% less volatile than S&P 500. In comparison Norwood Financial Corp. has a beta of 0.593, suggesting its less volatile than the S&P 500 by 40.69%.

  • Which is a Better Dividend Stock UNTY or NWFL?

    Unity Bancorp, Inc. has a quarterly dividend of $0.15 per share corresponding to a yield of 1.07%. Norwood Financial Corp. offers a yield of 4.31% to investors and pays a quarterly dividend of $0.31 per share. Unity Bancorp, Inc. pays 12.8% of its earnings as a dividend. Norwood Financial Corp. pays out 6074.38% of its earnings as a dividend. Unity Bancorp, Inc.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but Norwood Financial Corp.'s is not.

  • Which has Better Financial Ratios UNTY or NWFL?

    Unity Bancorp, Inc. quarterly revenues are $47.3M, which are larger than Norwood Financial Corp. quarterly revenues of $34.7M. Unity Bancorp, Inc.'s net income of $14.4M is higher than Norwood Financial Corp.'s net income of $8.3M. Notably, Unity Bancorp, Inc.'s price-to-earnings ratio is 9.88x while Norwood Financial Corp.'s PE ratio is 43.95x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Unity Bancorp, Inc. is 2.95x versus 2.30x for Norwood Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNTY
    Unity Bancorp, Inc.
    2.95x 9.88x $47.3M $14.4M
    NWFL
    Norwood Financial Corp.
    2.30x 43.95x $34.7M $8.3M
  • Which has Higher Returns UNTY or RBCAA?

    Republic Bancorp, Inc. (Kentucky) has a net margin of 30.41% compared to Unity Bancorp, Inc.'s net margin of 24.86%. Unity Bancorp, Inc.'s return on equity of 17.53% beat Republic Bancorp, Inc. (Kentucky)'s return on equity of 12.38%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNTY
    Unity Bancorp, Inc.
    -- $1.41 $576M
    RBCAA
    Republic Bancorp, Inc. (Kentucky)
    -- $1.52 $1.6B
  • What do Analysts Say About UNTY or RBCAA?

    Unity Bancorp, Inc. has a consensus price target of $59.00, signalling upside risk potential of 13.14%. On the other hand Republic Bancorp, Inc. (Kentucky) has an analysts' consensus of $75.00 which suggests that it could grow by 8.78%. Given that Unity Bancorp, Inc. has higher upside potential than Republic Bancorp, Inc. (Kentucky), analysts believe Unity Bancorp, Inc. is more attractive than Republic Bancorp, Inc. (Kentucky).

    Company Buy Ratings Hold Ratings Sell Ratings
    UNTY
    Unity Bancorp, Inc.
    1 0 0
    RBCAA
    Republic Bancorp, Inc. (Kentucky)
    0 2 0
  • Is UNTY or RBCAA More Risky?

    Unity Bancorp, Inc. has a beta of 0.642, which suggesting that the stock is 35.783% less volatile than S&P 500. In comparison Republic Bancorp, Inc. (Kentucky) has a beta of 0.596, suggesting its less volatile than the S&P 500 by 40.351%.

  • Which is a Better Dividend Stock UNTY or RBCAA?

    Unity Bancorp, Inc. has a quarterly dividend of $0.15 per share corresponding to a yield of 1.07%. Republic Bancorp, Inc. (Kentucky) offers a yield of 2.55% to investors and pays a quarterly dividend of $0.45 per share. Unity Bancorp, Inc. pays 12.8% of its earnings as a dividend. Republic Bancorp, Inc. (Kentucky) pays out 31.43% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNTY or RBCAA?

    Unity Bancorp, Inc. quarterly revenues are $47.3M, which are smaller than Republic Bancorp, Inc. (Kentucky) quarterly revenues of $119.6M. Unity Bancorp, Inc.'s net income of $14.4M is lower than Republic Bancorp, Inc. (Kentucky)'s net income of $29.7M. Notably, Unity Bancorp, Inc.'s price-to-earnings ratio is 9.88x while Republic Bancorp, Inc. (Kentucky)'s PE ratio is 10.62x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Unity Bancorp, Inc. is 2.95x versus 2.61x for Republic Bancorp, Inc. (Kentucky). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNTY
    Unity Bancorp, Inc.
    2.95x 9.88x $47.3M $14.4M
    RBCAA
    Republic Bancorp, Inc. (Kentucky)
    2.61x 10.62x $119.6M $29.7M

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