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Unity Bancorp UNTY Net Interest Income (After Provisions)

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Other financials

Income statement

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Revenue$33.7M-1.8%
Net income$14.5M-12.2%
EPS (diluted)$1.42-11.8%

Balance sheet

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Cash & equivalents$250.3M-14.8%
Total debt$5.0M+4.2%
Total equity$371.8M+16.2%
Total assets$3.2B+9.1%

Cash flow

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Operating cash flow-$38.7M-58.7%
CapEx$94.0K-49.7%
Free cash flow-$38.8M-57.9%

Valuation

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Market cap$599.14M+26.1%
P/E10.2×+0.8×
P/S4.4×+0.5×

Profitability

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Net margin43.3%+1.1pp
FCF margin20%-7.7pp

Returns & leverage

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Return on equity17%-0.1pp
Debt / equity0.0×

Where this comes from

Reported directly by Unity Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Unity Bancorp’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 4:01 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000920427-26-000045
(In thousands, except per share amounts)For the three months ended June 30, 2026For the three months ended June 30, 2025For the six months ended June 30, 2026For the six months ended June 30, 2025
Provision for credit losses, loans1,0401,7252,0833,083
Provision for credit losses, off-balance sheet12713613395
Release of credit losses, securities(2,036)(2,036)
Net interest income after provision for credit losses30,66028,73260,34254,666
NONINTEREST INCOME
Branch fee income6124651,101912
Service and loan fee income6575361,5701,400
Gain on sale of SBA loans held for sale, net213163640302

ITEM 1 Consolidated Financial Statements (Unaudited)

FAQ

What is Unity Bancorp's net interest income (after provisions)?
Unity Bancorp (UNTY) reported net interest income (after provisions) of $30.66M in Q2 2026.
How has Unity Bancorp's net interest income (after provisions) changed year-over-year?
Unity Bancorp's net interest income (after provisions) increased by 6.7% year-over-year, from $28.73M to $30.66M.
What is the long-term trend for Unity Bancorp's net interest income (after provisions)?
Over 4 years (2021 to 2025), Unity Bancorp's net interest income (after provisions) has grown at a 10.1% compound annual growth rate (CAGR), from $76.86M to $113.09M.
What does net interest income (after provisions) mean?
Net interest income adjusted for the provision for credit losses, which represents the bank's estimate of potential future loan defaults. This metric provides a more accurate view of the bank's sustainable earnings power after accounting for expected credit risk.

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