Unity Bancorp, Inc.
UNTYFinancial ServicesNASDAQBanks - Regional
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Daily timeframeUnity Bancorp, Inc. operates as the bank holding company for Unity Bank that provides commercial and retail banking services. Valued at $592.2M, UNTY is a small-cap name in its sector. It offers personal and business checking, money market, savings, retirement, money market accounts, as well as time and noninterest and interest-bearing demand deposits.
Market Cap
$592.2M
Beta
0.62
P/E (TTM)
10.22
P/E (Fwd)
9.27
EPS (TTM)
$5.77
EPS (Fwd)
$6.36
ROE
17.0%
ROA
1.9%
Cash
$250.7M
Total Debt
$330.7M
Free CF
—
52W Change
14.1%
Annual Financials
Cash vs Debt
Where UNTY stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, UNTY finished 6.76% above its 150-day moving average ($55.07) and 8.27% above its 200-day moving average ($54.30). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is UNTY overbought or oversold?
At the September 3, 2026 close, UNTY's RSI(14) was 28.1, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $250.7M in cash, though total debt stands at $330.7M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. ROE of 17.0% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.9% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $97.6M (2022) to $133.7M (2025), reflecting a 37% increase over the period.
UNTY's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Unity Bancorp, Inc. and its sector.