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. The $549.5M market capitalization puts UNTY squarely in small-cap range for its industry. 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
$549.5M
Beta
0.61
P/E (TTM)
9.21
P/E (Fwd)
8.65
EPS (TTM)
$5.94
EPS (Fwd)
$6.33
ROE
18.3%
ROA
2.1%
Cash
$229.4M
Total Debt
$263.0M
Free CF
—
52W Change
28.1%
Annual Financials
Cash vs Debt
Unity Bancorp, Inc. carries $263.0M in total debt against $229.4M in cash reserves — debt is modestly above the cash position. Managing this leverage effectively will be important for long-term financial stability. ROE of 18.3% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 2.1% 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.
The relatively low beta of 0.61 suggests UNTY is a less volatile holding compared to the broader index. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Unity Bancorp, Inc. and its sector.