Unity Bancorp, Inc.
UNTYFinancial ServicesNASDAQBanks - Regional
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Daily timeframeHeadquartered within the financial services sector, Unity Bancorp, Inc. focuses on Banks - Regional services and products. Unity Bancorp, Inc. operates as the bank holding company for Unity Bank that provides commercial and retail banking services. With a market capitalization of $585.4M, it sits in small-cap territory. 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
$585.4M
Beta
0.65
P/E (TTM)
9.63
P/E (Fwd)
9.14
EPS (TTM)
$6.04
EPS (Fwd)
$6.36
ROE
17.1%
ROA
2.0%
Cash
$230.1M
Total Debt
$261.4M
Free CF
—
52W Change
21.0%
Annual Financials
Cash vs Debt
Where UNTY stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, UNTY finished 0.36% below its 150-day moving average ($55.77) and 1.04% above its 200-day moving average ($55.00). 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 October 20, 2026 close, UNTY's RSI(14) was 53.7, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, UNTY has $230.1M in cash with $261.4M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Return on equity stands at 17.1%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 2.0% 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.