Financhill
Buy
59

UNTY Quote, Financials, Valuation and Earnings

Last price:
$52.43
Seasonality move :
6.93%
Day range:
$50.75 - $53.79
52-week range:
$36.65 - $57.24
Dividend yield:
1.09%
P/E ratio:
10.04x
P/S ratio:
3.00x
P/B ratio:
1.59x
Volume:
29.7K
Avg. volume:
38K
1-year change:
19.5%
Market cap:
$532.2M
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% $60.00
FRAF
Franklin Financial Services Corp. (Pennsylvania)
-- -- -- -- --
NBN
Northeast Bank (Maine)
$57.4M $2.68 -39.94% -9.22% $117.50
NWFL
Norwood Financial Corp.
$22.1M $0.71 98.87% 47.68% $28.00
PDLB
Ponce Financial Group, Inc.
-- $0.22 -- 140.96% $18.50
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.
$53.01 $60.00 $532.2M 10.04x $0.15 1.09% 3.00x
FRAF
Franklin Financial Services Corp. (Pennsylvania)
$51.64 -- $231.3M 14.74x $0.33 2.54% 1.81x
NBN
Northeast Bank (Maine)
$107.80 $117.50 $923.1M 10.14x $0.01 0.04% 2.47x
NWFL
Norwood Financial Corp.
$28.74 $28.00 $266.3M 43.90x $0.31 4.32% 2.30x
PDLB
Ponce Financial Group, Inc.
$16.92 $18.50 $406.1M 19.07x $0.00 0% 2.08x
RBCAA
Republic Bancorp, Inc. (Kentucky)
$70.31 $75.00 $1.4B 10.83x $0.45 2.57% 2.66x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
UNTY
Unity Bancorp, Inc.
42.01% 1.341 49.32% 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
PDLB
Ponce Financial Group, Inc.
50.99% 0.364 98.39% 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
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
PDLB
Ponce Financial Group, Inc.
-- $8.3M 1.96% 4.18% 63.36% $711K
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 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 $60.00, signalling upside risk potential of 13.19%. 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 1.09%. Franklin Financial Services Corp. (Pennsylvania) offers a yield of 2.54% 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 10.04x while Franklin Financial Services Corp. (Pennsylvania)'s PE ratio is 14.74x. 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 3.00x versus 1.81x 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.
    3.00x 10.04x $47.3M $14.4M
    FRAF
    Franklin Financial Services Corp. (Pennsylvania)
    1.81x 14.74x $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 $60.00, signalling upside risk potential of 13.19%. On the other hand Northeast Bank (Maine) has an analysts' consensus of $117.50 which suggests that it could grow by 9%. Given that Unity Bancorp, Inc. has higher upside potential than Northeast Bank (Maine), analysts believe Unity Bancorp, Inc. is more attractive than Northeast Bank (Maine).

    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 1.09%. 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 10.04x while Northeast Bank (Maine)'s PE ratio is 10.14x. 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 3.00x versus 2.47x 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.
    3.00x 10.04x $47.3M $14.4M
    NBN
    Northeast Bank (Maine)
    2.47x 10.14x $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 $60.00, signalling upside risk potential of 13.19%. On the other hand Norwood Financial Corp. has an analysts' consensus of $28.00 which suggests that it could fall by -2.58%. 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 1.09%. Norwood Financial Corp. offers a yield of 4.32% 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 10.04x while Norwood Financial Corp.'s PE ratio is 43.90x. 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 3.00x 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.
    3.00x 10.04x $47.3M $14.4M
    NWFL
    Norwood Financial Corp.
    2.30x 43.90x $34.7M $8.3M
  • Which has Higher Returns UNTY or PDLB?

    Ponce Financial Group, Inc. has a net margin of 30.41% compared to Unity Bancorp, Inc.'s net margin of 13.58%. Unity Bancorp, Inc.'s return on equity of 17.53% beat Ponce Financial Group, Inc.'s return on equity of 4.18%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNTY
    Unity Bancorp, Inc.
    -- $1.41 $576M
    PDLB
    Ponce Financial Group, Inc.
    -- $0.27 $1.1B
  • What do Analysts Say About UNTY or PDLB?

    Unity Bancorp, Inc. has a consensus price target of $60.00, signalling upside risk potential of 13.19%. On the other hand Ponce Financial Group, Inc. has an analysts' consensus of $18.50 which suggests that it could grow by 9.34%. Given that Unity Bancorp, Inc. has higher upside potential than Ponce Financial Group, Inc., analysts believe Unity Bancorp, Inc. is more attractive than Ponce Financial Group, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    UNTY
    Unity Bancorp, Inc.
    1 0 0
    PDLB
    Ponce Financial Group, Inc.
    1 0 0
  • Is UNTY or PDLB 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 Ponce Financial Group, Inc. has a beta of 0.732, suggesting its less volatile than the S&P 500 by 26.773%.

  • Which is a Better Dividend Stock UNTY or PDLB?

    Unity Bancorp, Inc. has a quarterly dividend of $0.15 per share corresponding to a yield of 1.09%. Ponce Financial Group, Inc. offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Unity Bancorp, Inc. pays 12.8% of its earnings as a dividend. Ponce Financial Group, 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 PDLB?

    Unity Bancorp, Inc. quarterly revenues are $47.3M, which are smaller than Ponce Financial Group, Inc. quarterly revenues of $47.9M. Unity Bancorp, Inc.'s net income of $14.4M is higher than Ponce Financial Group, Inc.'s net income of $6.5M. Notably, Unity Bancorp, Inc.'s price-to-earnings ratio is 10.04x while Ponce Financial Group, Inc.'s PE ratio is 19.07x. 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 3.00x versus 2.08x for Ponce Financial Group, 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.
    3.00x 10.04x $47.3M $14.4M
    PDLB
    Ponce Financial Group, Inc.
    2.08x 19.07x $47.9M $6.5M
  • 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 $60.00, signalling upside risk potential of 13.19%. On the other hand Republic Bancorp, Inc. (Kentucky) has an analysts' consensus of $75.00 which suggests that it could grow by 6.67%. 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 1.09%. Republic Bancorp, Inc. (Kentucky) offers a yield of 2.57% 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 10.04x while Republic Bancorp, Inc. (Kentucky)'s PE ratio is 10.83x. 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 3.00x versus 2.66x 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.
    3.00x 10.04x $47.3M $14.4M
    RBCAA
    Republic Bancorp, Inc. (Kentucky)
    2.66x 10.83x $119.6M $29.7M

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