Financhill
Buy
60

UNTY Quote, Financials, Valuation and Earnings

Last price:
$41.28
Seasonality move :
4.14%
Day range:
$40.61 - $42.18
52-week range:
$25.60 - $51.22
Dividend yield:
1.28%
P/E ratio:
10.17x
P/S ratio:
3.98x
P/B ratio:
1.40x
Volume:
32.7K
Avg. volume:
34.5K
1-year change:
49.6%
Market cap:
$415.3M
Revenue:
$105.9M
EPS (TTM):
$4.06

Analysts' Opinion

  • Consensus Rating
    Unity Bancorp has received a consensus rating of Buy. The company's average rating is a Buy based on 1 Buy rating, 0 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $53.00, Unity Bancorp has an estimated upside of 28.36% from its current price of $41.29.
  • Price Target Downside
    According to analysts, the lowest downside price target is $50.00 representing 100% downside risk from its current price of $41.29.

Fair Value

  • According to the consensus of 1 analyst, Unity Bancorp has 28.36% upside to fair value with a price target of $53.00 per share.

UNTY vs. S&P 500

  • Over the past 5 trading days, Unity Bancorp has underperformed the S&P 500 by -0.5% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • Unity Bancorp does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Unity Bancorp has grown year-over-year revenues for 2 quarters straight. In the most recent quarter Unity Bancorp reported revenues of $28.2M.

Earnings Growth

  • Unity Bancorp has grown year-over-year earnings for 2 quarters straight. In the most recent quarter Unity Bancorp reported earnings per share of $1.13.
Enterprise value:
450.1M
EV / Invested capital:
--
Price / LTM sales:
3.98x
EV / EBIT:
4.04x
EV / Revenue:
4.25x
PEG ratio (5yr expected):
1.78x
EV / Free cash flow:
9.52x
Price / Operating cash flow:
8.91x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.59%
Net Income Margin (TTM):
39.12%
Return On Equity:
15%
Return On Invested Capital:
7.27%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2022-12-31 2023-12-31 2024-12-31 2023-12-31 2024-12-31
Income Statement
Revenue $97.6M $102.2M $105.9M $26.2M $28.2M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $3.59 $3.84 $4.06 $0.96 $1.13
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Balance Sheet
Current Assets $279.1M $316.9M $223.6M $300.1M $208.7M
Total Assets $2B $2B $2.4B $2.6B $2.7B
Current Liabilities $8.7M $13.5M $691K $1.9M $1.7M
Total Liabilities $1.8B $1.8B $2.2B $2.3B $2.4B
Total Equity $173.9M $205.7M $239.2M $261.4M $295.6M
Total Debt $210.3M $50.3M $393.3M $366.7M $230.8M
Trailing 12 Months Fiscal Quarters
Period Ending 2022-12-31 2023-12-31 2024-12-31 2023-12-31 2024-12-31
Cash Flow Statement
Cash Flow Operations $42.7M $46.9M $48M $24.9M $23M
Cash From Investing -$541.3M -$57.8M -$92.8M $3.8M -$44.2M
Cash From Financing $368.6M $90.9M $30.5M $4.6M $7.2M
Free Cash Flow $41.2M $46M $47.3M $24.7M $22.7M
UNTY
Sector
Market Cap
$415.3M
$625.8M
Price % of 52-Week High
80.61%
86.55%
Dividend Yield
1.28%
1.95%
Shareholder Yield
10.3%
3.76%
1-Year Price Total Return
49.6%
9.43%
Beta (5-Year)
0.951
0.712
Dividend yield:
1.28%
Annualized payout:
$0.52
Payout ratio:
12.11%
Growth streak:
11 years

Technicals

8-day SMA
Sell
Level $42.07
200-day SMA
Buy
Level $38.65
Bollinger Bands (100)
Sell
Level 42.27 - 47.79
Chaikin Money Flow
Buy
Level 2.6M
20-day SMA
Sell
Level $42.80
Relative Strength Index (RSI14)
Sell
Level 37.93
ADX Line
Sell
Level 22.92
Williams %R
Neutral
Level -69.8758
50-day SMA
Sell
Level $45.85
MACD (12, 26)
Sell
Level -1.17
25-day Aroon Oscillator
Sell
Level -44
On Balance Volume
Neutral
Level 92.1K

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.5033)
Sell
CA Score (Annual)
Level (-2.0648)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (10)
Sell
Ohlson Score
Level (2.3949)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Buy
Fundamental Score
Level (8)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Unity Bancorp Inc is a bank holding company that serves as a holding company for Unity Bank. It conducts a traditional and community-oriented commercial banking business and offers services, including personal and business checking accounts, time deposits, money market accounts, regular savings accounts, and others. The company structures its specific services and charges in a manner designed to attract the business of small and medium-sized businesses and professional communities, as well as individuals residing, working, and shopping in its service area. The company engages in a wide range of lending activities and offers commercial, Small Business Administration, consumer, mortgage, home equity, and personal loans.

Stock Forecast FAQ

In the current month, UNTY has received 1 Buy ratings 0 Hold ratings, and 0 Sell ratings. The UNTY average analyst price target in the past 3 months is $53.00.

  • Where Will Unity Bancorp Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Unity Bancorp share price will rise to $53.00 per share over the next 12 months.

  • What Do Analysts Say About Unity Bancorp?

    Analysts are divided on their view about Unity Bancorp share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Unity Bancorp is a Sell and believe this share price will drop from its current level to $50.00.

  • What Is Unity Bancorp's Price Target?

    The price target for Unity Bancorp over the next 1-year time period is forecast to be $53.00 according to 1 Wall Street analyst, 1 of them rates the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.

  • Is UNTY A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Unity Bancorp is a Buy. 1 of 1 analysts rates the stock a Buy at this time.

  • How Can I Buy Shares Of UNTY?

    You can purchase shares of Unity Bancorp via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, tastytrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Unity Bancorp shares.

  • What Is The Unity Bancorp Share Price Today?

    Unity Bancorp was last trading at $41.28 per share. This represents the most recent stock quote for Unity Bancorp. Yesterday, Unity Bancorp closed at $41.29 per share.

  • How To Buy Unity Bancorp Stock Online?

    In order to purchase Unity Bancorp stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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