Where do Unity Bancorp's ratios come from?

Every ratio is computed from Unity Bancorp's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

Unity Bancorp UNTY Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	44%+5.3pp	38.7%+0.2pp	38.5%-0.7pp	39.2%-1.4pp
Free cash flow margin	33.6%—	——	——	——
Returns
Return on equity	18.1%+3.2pp	14.9%-1.0pp	15.9%-1.4pp	17.3%-1.7pp
Return on assets	2.1%+0.5pp	1.6%0.0pp	1.6%-0.1pp	1.7%-0.1pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Debt-to-assets	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Per Share
Book value per share	$33.81+16.7%	$28.97+14.6%	$25.29+13.2%	$22.35+14.6%
Valuation
Market capitalization	$581.77M+32.4%	$435.49M+46.2%	$297.85M+3.2%	$288.52M+5.2%
Enterprise value	$307.72M+18.4%	$259.85M+140%	$108.38M-39.6%	$179.33M+417%
Price / earnings	9.6×-0.5×	10.5×+3.0×	7.5×0.0×	7.5×-0.1×
Price / sales	4.3×+0.3×	4.1×+1.2×	2.9×-0.1×	2.9×-0.1×
Price / book	1.6×+0.2×	1.5×+0.3×	1.1×-0.1×	1.2×-0.1×
EV / sales	2.3×-0.1×	2.4×+1.4×	1.1×-0.8×	1.8×+1.4×
Free cash flow yield	7.1%—	——	——	——
Earnings yield	10.4%+0.5pp	9.5%-3.8pp	13.3%0.0pp	13.3%+0.2pp
Dividend yield	1%-0.2pp	1.2%-0.4pp	1.6%+0.1pp	1.5%+0.2pp
PEG ratio	0.2×-0.6×	2.4×+0.1×	2.3×+1.1×	1.2×+1.0×

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Questions, answered.

Where do Unity Bancorp's ratios come from?: Every ratio is computed from Unity Bancorp's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.