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Unity Bancorp UNTY Provision for Credit Losses

Provision for Credit Losses at other companies

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JPMorgan ChaseJPM
$2.51B-24.1%
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Midland States BancorpMSBI
$5M-53.9%
Greene County Bancorp logo
Greene County BancorpGCBC
$451K-58.4%
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$13.6M+5,664%
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West BancorporationWTBA
$0
First Mid Bancshares, Inc. logo
First Mid Bancshares, Inc.FMBH
$1.97M-5.6%

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:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal.

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 provision for credit losses?
Unity Bancorp (UNTY) reported provision for credit losses of $5K in Q1 2026.
How has Unity Bancorp's provision for credit losses changed year-over-year?
Unity Bancorp's provision for credit losses increased by 112.2% year-over-year, from -$41K to $5K.
What is the long-term trend for Unity Bancorp's provision for credit losses?
Over 2 years (2022 to 2025), Unity Bancorp's provision for credit losses has grown at a -87.5% compound annual growth rate (CAGR), from $4.16M to $65K.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.