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Unity Bancorp UNTY Q4 2025 Annual earnings

Reported January 13, 2026 · Before market open

Revenue$35.3MBeat by $2.0M
EPS$1.41Beat by $0.06
Revenue estimate$33.3M
EPS estimate$1.35

Next report

Oct 13, 2026 (In 1 week)
Revenue estimate$35.6M
EPS estimate$1.49

Financials

Q4 2025

Income statement

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Revenue$35.3M+24.2%
Net income$15.5M+34.5%
EPS (diluted)$1.52+34.5%

Balance sheet

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Cash & equivalents$216.5M+20.0%
Total debt$5.0M+4.2%
Total equity$345.6M+16.9%
Total assets$3.0B+11.8%

Cash flow

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Operating cash flow$6.8M-70.3%
Free cash flow$6.9M-69.4%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$519.24M+19.2%
Enterprise value$307.72M+18.4%
P/E9×-1.5×
P/S3.9×-0.1×

Profitability

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Net margin44%+5.3pp
FCF margin33.6%—

Returns & leverage

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Return on equity18.1%+3.2pp
Debt / equity0×0.0×

Segments

By product

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Service And Loan Fee Income$705.0K+44.5%
Branch Fee Income$474.0K+2.6%

FAQ

When did Unity Bancorp report Q4 2025 earnings?
Unity Bancorp (UNTY) reported Q4 2025 earnings on January 13, 2026 before market open.
What were Unity Bancorp's Q4 2025 revenue and EPS?
Unity Bancorp reported revenue of $35.3M and eps of $1.41 for Q4 2025.
Did Unity Bancorp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $33.3M by $2.0M. EPS beat the consensus estimate of $1.35 by $0.06.
How did Unity Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 16.0% from $42.0M a year earlier and eps grew 24.8% from $1.13.
Where can I find Unity Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000920427-26-000004) and the 10-K periodic report (0000920427-26-000012) directly on SEC EDGAR. The filing index links above go to sec.gov.