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Unity Bancorp UNTY Accretion (Amortization) of Discounts and Premiums, Investments

Accretion (Amortization) of Discounts and Premiums, Investments at other companies

Midland States Bancorp logo
Midland States BancorpMSBI
$4.39M+52.5%
Greene County Bancorp logo
Greene County BancorpGCBC
$660K
Citizens & Northern logo
Citizens & NorthernCZNC
-$331K+8.1%
First Community Bankshares logo
First Community BanksharesFCBC
$11.42M+3,268%
CTB
Community Trust BancorpCTBI
-$539K+7.7%
Center Bancorp logo
Center BancorpCNOB
$224K+221%

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:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

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 accretion (amortization) of discounts and premiums, investments?
Unity Bancorp (UNTY) reported accretion (amortization) of discounts and premiums, investments of $80K in Q1 2026.
How has Unity Bancorp's accretion (amortization) of discounts and premiums, investments changed year-over-year?
Unity Bancorp's accretion (amortization) of discounts and premiums, investments increased by 400.0% year-over-year, from $16K to $80K.
What is the long-term trend for Unity Bancorp's accretion (amortization) of discounts and premiums, investments?
Over 3 years (2021 to 2025), Unity Bancorp's accretion (amortization) of discounts and premiums, investments has grown at a -25.9% compound annual growth rate (CAGR), from -$209K to $85K.
What does accretion (amortization) of discounts and premiums, investments mean?
This represents the periodic adjustment to the carrying value of investment securities to account for the difference between the purchase price and the face value of the instrument. Amortization of premiums reduces interest income, while accretion of discounts increases it over the life of the security. It is essential for understanding the effective yield of the bank's investment portfolio.