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Unity Bancorp UNTY Allowance for credit losses

Allowance for credit losses at other companies

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JPMorgan ChaseJPM
$25.93B+2.9%
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$4.66B+2.6%
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$584.5M+1.1%
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$67.88M-35.5%
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Greene County BancorpGCBC
$0
First Community Bankshares logo
First Community BanksharesFCBC
$33.54M-0.7%

Other financials

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 debt$5.0M+4.2%
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

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Market cap$581.77M+32.4%
P/E9.6×-0.5×
P/S4.3×+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
Debt / equity0.0×

Where this comes from

Reported directly by Unity Bancorp in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest.

The official record: Unity Bancorp’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Unity Bancorp's allowance for credit losses?
Unity Bancorp (UNTY) reported allowance for credit losses of $33.35M in Q1 2026.
How has Unity Bancorp's allowance for credit losses changed year-over-year?
Unity Bancorp's allowance for credit losses increased by 20.6% year-over-year, from $27.65M to $33.35M.
What is the long-term trend for Unity Bancorp's allowance for credit losses?
Over 5 years (2020 to 2025), Unity Bancorp's allowance for credit losses has grown at a 7.0% compound annual growth rate (CAGR), from $23.11M to $32.34M.
What does allowance for credit losses mean?
Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.