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Unity Bancorp, Inc. (UNTY)

Financial Services | Banks - Regional | Clinton, United States | NasdaqGM
57.35 USD +0.68 (1.200%) ⇧ (July 13, 2026, 4 p.m. EDT)
After hours: 57.35
Short-term:★★★⯪☆Long-term:★★★★⯪Dividends:★★★☆☆
Hot Take ↕ | July 11, 2026, 4:40 a.m. EDT

Unity Bancorp presents a compelling dichotomy: a fundamentally superior business trading at a discount, currently weighed down by short-term technical noise. The long-term outlook is exceptionally strong; the company has delivered a staggering 337% cumulative return over the last nine years, driven by consistent double-digit growth in both revenue and earnings. With a 16% revenue expansion, 23% earnings growth, and a robust 18% return on equity, the underlying franchise is objectively excellent. The current price action, which has recently pulled back from its highs, creates a favorable entry point for patient capital. While the short-term momentum is mixed due to recent consolidation, the massive analyst upside potential (target mean of $67 vs current ~$56.50) and the company's fortress-like profitability metrics suggest the market is temporarily undervaluing the asset. The dividend yield is modest but reliable, serving as a floor rather than a primary driver. Investors should view the recent price weakness as a buying opportunity for a high-quality regional bank with a clear path to continued expansion.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.043993
AutoETS0.060468
AutoARIMA0.060470
MSTL0.061800

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 50%
H-stat 6.76
Ljung-Box p 0.000
Jarque-Bera p 0.575
Excess Kurtosis -0.40
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-06-03
Last Dividend Date 2026-06-03
Revenue per Share 13.21
Market Cap 575,845,696
Trailing P/E 9.65
Forward P/E 9.09
Beta 0.63
Profit Margins 45.80%
Website https://www.unitybank.com

As of July 11, 2026, 4:40 a.m. EDT: Speculators are positioning defensively with heavy open interest in out-of-the-money puts (strikes 50 and 55) relative to calls, suggesting a fear of a downside correction or volatility spike. However, call volume remains concentrated near the money and slightly out-of-the-money, indicating a baseline expectation of stability rather than a crash. The imbalance in put open interest suggests hedging activity from existing holders rather than aggressive bearish speculation.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.30% 1.19% 1.48% 1.56%
Dividend History
Date Dividend Yield %
2026-06-04 0.160000 0.297841
2026-03-06 0.160000 0.313234
2025-12-05 0.150000 0.288406
2025-09-05 0.150000 0.287136
2025-06-06 0.140000 0.325657
2025-03-14 0.140000 0.329800
2024-12-13 0.130000 0.277718
2024-09-06 0.130000 0.404229
2024-06-07 0.130000 0.494485
2024-03-14 0.130000 0.485075
2023-12-14 0.120000 0.435730
2023-09-07 0.120000 0.514580
2023-06-08 0.120000 0.499168
2023-03-09 0.120000 0.482121
2022-12-15 0.110000 0.412294
2022-09-08 0.110000 0.400729
2022-06-09 0.110000 0.390071
2022-03-10 0.100000 0.359971
2021-12-16 0.100000 0.388350
2021-09-09 0.090000 0.395257
2021-06-10 0.090000 0.396825
2021-03-11 0.080000 0.363636
2020-12-16 0.080000 0.447928
2020-09-10 0.080000 0.650936
2020-06-11 0.080000 0.577617
2020-03-12 0.080000 0.537273
2019-12-12 0.080000 0.344086
2019-09-12 0.080000 0.385171
2019-06-13 0.080000 0.384431
2019-03-14 0.070000 0.336215
2018-12-13 0.070000 0.337349
2018-09-13 0.070000 0.292276
2018-06-14 0.070000 0.315315
2018-03-15 0.060000 0.266075
2017-12-14 0.060000 0.296296
2017-09-14 0.060000 0.329670
2017-06-13 0.060000 0.369231
2017-03-15 0.050000 0.297619
2016-12-14 0.050000 0.342466
2016-09-09 0.045455 0.383439
2016-06-14 0.036364 0.318982
2016-03-15 0.036364 0.366976
2015-12-11 0.036364 0.367313
2015-09-11 0.036364 0.410261
2015-06-11 0.027273 0.322237
2015-03-12 0.027273 0.327872
2014-12-04 0.027273 0.300003
2014-09-10 0.027273 0.324328
2014-06-11 0.018182 0.220267
2014-03-13 0.018182 0.247834
2013-12-12 0.009091 0.130720
2013-09-12 0.009091 0.130550
2013-06-13 0.009091 0.142249
2008-07-09 0.045455 0.802576
2008-04-09 0.043290 0.675675
2008-01-09 0.043290 0.588235
2007-10-10 0.043290 0.460405
2007-07-11 0.043290 0.478468
2007-04-11 0.041229 0.431039
2007-01-10 0.041229 0.347225
2006-10-11 0.041229 0.315460
2006-07-12 0.041229 0.293775
2006-04-11 0.039265 0.312497
2006-01-11 0.039265 0.357651
2005-10-12 0.039265 0.396822
2005-07-13 0.039265 0.432897
2005-04-13 0.029916 0.333328
2005-01-12 0.029916 0.286940
2004-10-13 0.029916 0.326792
2004-07-13 0.029916 0.300521
2004-04-13 0.028492 0.296298
2004-01-13 0.021369 0.252314
2003-10-10 0.021369 0.266668
1999-10-27 0.040703 0.774200
1999-08-06 0.040703 0.623382
1999-05-06 0.040703 0.600005
1999-02-03 0.033919 0.490799
1998-12-17 0.032562 0.441378
1998-10-28 0.020674 0.268058
1998-07-29 0.032304 0.361994
1998-04-29 0.021536 0.195124
1998-01-21 0.021536 0.237391
1997-10-08 0.021536 0.300755
1997-07-02 0.021536 0.366976
1997-04-11 0.021536 0.341884
Additional Data
dividendRate 0.62
dividendYield 1.1
exDividendDate 2026-06-04
trailingAnnualDividendRate 0.6
trailingAnnualDividendYield 0.010587613
lastDividendValue 0.16
lastDividendDate 2026-06-04
dividendDate 2026-06-18

Info Dump

Attribute Value
52 Week Change 0.07635331
Address1 64 Old Highway 22
All Time High 60.86
All Time Low 1.314357
Ask 72.76
Ask Size 2
Audit Risk 6
Average Analyst Rating 1.8 - Buy
Average Daily Volume10 Day 72,940
Average Daily Volume3 Month 54,973
Average Volume 54,973
Average Volume10Days 72,940
Beta 0.627
Bid 41.26
Bid Size 2
Board Risk 5
Book Value 35.663
City Clinton
Compensation As Of Epoch Date 1,072,828,800
Compensation Risk 6
Country United States
Crypto Tradeable 0
Currency USD
Current Price 57.35
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 57.47
Day Low 56.69
Display Name Unity Bancorp
Dividend Date 1,781,740,800
Dividend Rate 0.62
Dividend Yield 1.1
Earnings Growth 0.239
Earnings Quarterly Growth 0.232
Earnings Timestamp 1,776,169,800
Earnings Timestamp End 1,784,032,200
Earnings Timestamp Start 1,784,032,200
Ebitda Margins 0.0
Enterprise To Revenue 4.603
Enterprise Value 609,439,744
Eps Current Year 5.824
Eps Forward 6.31
Eps Trailing Twelve Months 5.94
Esg Populated 0
Ex Dividend Date 1,780,531,200
Exchange NGM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 55.1028
Fifty Day Average Change 2.2472
Fifty Day Average Change Percent 0.040781956
Fifty Two Week Change Percent 7.635331
Fifty Two Week High 60.86
Fifty Two Week High Change -3.5100021
Fifty Two Week High Change Percent -0.057673384
Fifty Two Week Low 44.34
Fifty Two Week Low Change 13.009998
Fifty Two Week Low Change Percent 0.29341447
Fifty Two Week Range 44.34 - 60.86
Financial Currency USD
First Trade Date Milliseconds 853,252,200,000
Five Year Avg Dividend Yield 1.45
Float Shares 7,290,398
Forward Eps 6.31
Forward P E 9.088748
Full Exchange Name NasdaqGM
Full Time Employees 244
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 132,394,000
Has Pre Post Market Data 1
Held Percent Insiders 0.27376
Held Percent Institutions 0.52171004
Implied Shares Outstanding 10,040,902
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Ir Website http://www.snl.com/irweblinkx/corporateprofile.aspx?IID=101233
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,780,531,200
Last Dividend Value 0.16
Last Fiscal Year End 1,767,139,200
Last Split Date 1,473,724,800
Last Split Factor 11:10
Long Business Summary Unity Bancorp, Inc. operates as the bank holding company for Unity Bank that provides commercial and retail banking services. It offers personal and business checking, money market, savings, retirement, money market accounts, as well as time and noninterest and interest-bearing demand deposits. The company also provides commercial, small business administration, consumer, mortgage, and home equity and personal loans; and owner and non-owner-occupied commercial mortgages. In addition, it is involved in the residential construction, commercial, and industrial lending activities secured by business assets, including real estate, receivables, inventory, and equipment. Further, the company offers credit and debit cards, wire transfers, safe deposit boxes, automated teller, and internet and mobile banking services; automated clearing house origination and remote deposit capture services; and business services, such as escrow account, merchant, and online services. Unity Bancorp, Inc. was founded in 1991 and is headquartered in Clinton, New Jersey.
Long Name Unity Bancorp, Inc.
Market us_market
Market Cap 575,845,696
Market State POSTPOST
Max Age 86,400
Message Board Id finmb_368683
Most Recent Quarter 1,774,915,200
Net Income To Common 60,641,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 568,415,462
Number Of Analyst Opinions 5
Open 56.85
Operating Cashflow 41,974,000
Operating Margins 0.57703
Overall Risk 5
Payout Ratio 0.101
Peg Ratio 0.99
Phone 908 730 7630
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 57.35
Post Market Time 1,783,981,118
Previous Close 56.67
Price Eps Current Year 9.847184
Price Hint 2
Price To Book 1.6081092
Price To Sales Trailing12 Months 4.349485
Profit Margins 0.45803002
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 1.8
Region US
Regular Market Change 0.68
Regular Market Change Percent 1.19993
Regular Market Day High 57.47
Regular Market Day Low 56.69
Regular Market Day Range 56.69 - 57.47
Regular Market Open 56.85
Regular Market Previous Close 56.67
Regular Market Price 57.35
Regular Market Time 1,783,972,800
Regular Market Volume 50,995
Return On Assets 0.02093
Return On Equity 0.18259001
Revenue Growth 0.161
Revenue Per Share 13.21
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 4
Shares Outstanding 10,040,902
Shares Percent Shares Out 0.0126
Shares Short 126,954
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 87,061
Short Name Unity Bancorp, Inc.
Short Percent Of Float 0.0175
Short Ratio 1.7
Source Interval 15
State NJ
Symbol UNTY
Target High Price 70.0
Target Low Price 61.0
Target Mean Price 67.0
Target Median Price 68.0
Total Cash 229,419,008
Total Cash Per Share 22.848
Total Debt 263,012,992
Total Revenue 132,394,000
Tradeable 0
Trailing Annual Dividend Rate 0.6
Trailing Annual Dividend Yield 0.010587613
Trailing Eps 5.94
Trailing P E 9.6548815
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 52.41195
Two Hundred Day Average Change 4.9380493
Two Hundred Day Average Change Percent 0.0942161
Type Disp Equity
Volume 50,995
Website https://www.unitybank.com
Zip 8,809