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Unity Bancorp

UNTY

Unity Bancorp is a financial holding company that operates Unity Bank, a community-oriented commercial bank serving small to medium-sized businesses and individuals.

Market cap
$591.31M+24.5%
Revenue$136.1M+22.7%
Net income$60.6M+39.5%
Free cash flow$41.3M-43.8%
EPS (diluted)$5.94+39.8%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 13, 2026 (in 2 months)
Revenue estimate$35.7M
EPS estimate$1.50

Financials

Q1 2026

Income statement

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Revenue$33.6M+14.5%
Net income$14.3M+23.2%
EPS (diluted)$1.40+23.9%

Balance sheet

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Cash & equivalents$229.2M+8.3%
Total equity$358.1M+17.0%
Total assets$3.0B+9.4%

Cash flow

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Operating cash flow$14.9M-16.4%
CapEx$425.0K+52.3%
Free cash flow$14.5M-17.5%

Valuation & ratios

Valuation

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Market cap$591.31M+24.5%
P/E9.8×+0.2×
P/S4.4×+0.3×

Profitability

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Net margin44.6%+5.4pp
FCF margin30.3%

Returns & leverage

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Return on equity18.3%+3.1pp

Segments

By product

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Service And Loan Fee Income$912.0K+5.6%
Branch Fee Income$489.0K+9.4%

Competitors

Profile

Unity Bancorp is a financial holding company that operates Unity Bank, a community-oriented commercial bank serving small to medium-sized businesses and individuals. The company provides traditional banking services, including deposit accounts, treasury solutions, and a diverse range of lending activities primarily secured by real estate. Its core value proposition centers on local decision-making and personalized service within the New York City metropolitan area and surrounding New Jersey and Pennsylvania counties.

Competitive position

A community-focused regional player that competes against larger national and regional institutions by leveraging local decision-making and personalized client service.

GeographiesNew Jersey, Pennsylvania, New York City Metropolitan Area, United States
Customer segmentsSMEs, Retail, Municipalities
Business modelInterest-based lending, Fee-based financial services, Asset-backed lending
SuppliersDepositors, Federal Reserve System, Technology and Core Banking Software Providers, Credit Rating Agencies
CustomersSmall and Medium Enterprises, Individual Retail Borrowers, Local Government Entities, Secondary Mortgage Market Investors
Listed1989
Employees237.0
CEOJames A. Hughes
FilingsSEC EDGAR

FAQ

What is Unity Bancorp's market cap?
Unity Bancorp (UNTY) has a market capitalization of $591.3M and trades on NASDAQ.
What is Unity Bancorp's revenue and profitability?
Unity Bancorp generated $136.1M in trailing twelve-month revenue with net income of $60.6M, representing a net margin of 44.6%, with free cash flow of $41.3M. These figures are based on the Q1 2026 filing.
Who are Unity Bancorp's competitors?
Unity Bancorp's key competitors include JPMorgan Chase & Co., Valley National Bancorp, PNC Financial Services Group, and others. These companies compete in similar markets and product categories.
Who does Unity Bancorp partner with?
Unity Bancorp's notable partners include IntraFi Network LLC.
What subsidiaries does Unity Bancorp have?
Unity Bancorp's subsidiaries include Unity Bank, Unity (NJ) Statutory Trust II.
Where is Unity Bancorp headquartered?
Unity Bancorp is headquartered in United States of America and employs approximately 237 people. It has been publicly traded since 1989.