Unity Bancorp, Inc. (UNTY)
Financials · NGM · US
Price as at 1 Oct 2026, 03:18 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
Unity Bancorp, Inc. trades at $54.22, close to the $47.94 our fair value estimate puts on the business. On this measure the market and the model broadly agree, so the interesting question is which of them is wrong.
Our moat model scores it 38 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 9.7 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
UNTY dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | $0.490 | 3 |
| 2025 | $0.580 | 4 |
| 2024 | $0.520 | 4 |
| 2023 | $0.480 | 4 |
| 2022 | $0.430 | 4 |
| 2021 | $0.360 | 4 |
| 2020 | $0.320 | 4 |
| 2019 | $0.310 | 4 |
| 2018 | $0.270 | 4 |
| 2017 | $0.230 | 4 |
| 2016 | $0.168 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
UNTY earnings and analyst estimates
Recommendation mix, 5 published ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About Unity Bancorp, Inc.
Unity Bancorp, Inc. operates as the bank holding company for Unity Bank that provides commercial and retail banking services. It offers personal and business checking, money market, savings, retirement, money market accounts, as well as time and noninterest and interest-bearing demand deposits. The company also provides commercial, small business administration, consumer, mortgage, and home equity and personal loans; and owner and non-owner-occupied commercial mortgages. In addition, it is involved in the residential construction, commercial, and industrial lending activities secured by business assets, including real estate, receivables, inventory, and equipment. Further, the company offers credit and debit cards, wire transfers, safe deposit boxes, automated teller, and internet and mobile banking services; automated clearing house origination and remote deposit capture services; and business services, such as escrow account, merchant, and online services. Unity Bancorp, Inc. was founded in 1991 and is headquartered in Clinton, New Jersey.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
UNTY passes 4 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
11 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Two Sigma, TWO SIGMA INVESTMENTS, LP$4.10M · 0.0% of book
- Cliff Asness, AQR CAPITAL MANAGEMENT LLC$2.92M · 0.0% of book
- Ken Griffin, CITADEL ADVISORS LLC$2.52M · 0.0% of book
- Renaissance Technologies, RENAISSANCE TECHNOLOGIES LLC$2.28M · 0.0% of book
- Israel Englander, MILLENNIUM MANAGEMENT LLC$2.27M · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
UNTY peers
The largest companies in the same industry (Banks - Regional), then in the same sector.
- HDB HDFC Bank Limited
- IBN ICICI Bank Limited
- CIXPF CaixaBank, S.A.
- ITUB Itaú Unibanco Holding S.A.
- NWG NatWest Group plc
- DB Deutsche Bank Aktiengesellschaft
- NU Nu Holdings Ltd.
- CRARF Crédit Agricole S.A.
Every financials company we cover is on the Financials hub.
Common questions
Is Unity Bancorp, Inc. (UNTY) undervalued?
Against our fair value estimate of $47.94, UNTY at $54.22 is 12% above fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own UNTY?
11 of the institutions we track reported a position in UNTY in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is UNTY's P/E ratio?
UNTY trades at 9.7 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Unity Bancorp, Inc. (UNTY) pay a dividend?
Yes. Unity Bancorp, Inc. yields 1.24% at the current share price. It has paid $0.640 per share over the trailing twelve months. It has paid a dividend in each of the last 13 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
When does UNTY report earnings next?
Unity Bancorp, Inc. is scheduled to report on 13 Oct 2026. Companies move earnings dates, so read it as scheduled rather than certain.
Where does SteadyShares get its UNTY data?
Fundamentals for UNTY come from company filings and exchange data, as listed on NGM; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 1 Oct 2026, 03:18 UTC and is delayed. Our data quality score for this company is 88/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for UNTY, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.