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Unity Bancorp, Inc. (UNTY)

Financial Services | Banks - Regional | Clinton, United States | NasdaqGM
58.78 USD +0.48 (0.823%) ⇧ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 58.78
Short-term:★★★⯪☆Long-term:★★★⯪☆Dividends:★★★☆☆
Hot Take ↕ | Aug. 22, 2026, 3:54 a.m. EDT

Unity Bancorp presents a compelling value proposition for patient investors, though the immediate catalyst is muted. The stock trades at a discount to book value relative to peers, supported by a robust 17% return on equity and a healthy 58% operating margin, indicating a resilient regional banking franchise. The price trajectory over the last decade has been exceptional, surging 365% as the market recognized the bank's quality, yet the most recent annual performance shows a deceleration in growth rates. While the business fundamentals remain solid, the lack of recent explosive growth and the absence of aggressive options speculation suggest the market is waiting for clearer confirmation of earnings acceleration before committing capital at these levels. The dividend yield is modest but sustainable, reflecting the bank's conservative capital allocation rather than a desperate need to attract income seekers.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.018728
MSTL0.021496
AutoARIMA0.023848
AutoETS0.024182

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 62%
H-stat 0.76
Ljung-Box p 0.000
Jarque-Bera p 0.570
Excess Kurtosis -0.74
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-09-02
Last Dividend Date 2026-06-03
Revenue per Share 13.011
Market Cap 590,302,720
Trailing P/E 10.17
Forward P/E 9.25
Beta 0.63
Profit Margins 44.95%
Website https://www.unitybank.com

As of Aug. 22, 2026, 3:54 a.m. EDT: Options activity is sparse and lacks directional conviction. Call volume is negligible across expirations, with open interest concentrated at-the-money rather than showing a bullish skew toward higher strikes. Put activity is similarly minimal, with no significant protective positioning at lower strikes. Implied volatility remains low, suggesting speculators are largely indifferent to near-term moves or lack the capital to establish meaningful positions.

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 0.68
dividendYield 1.16
exDividendDate 2026-09-03
trailingAnnualDividendRate 0.62
trailingAnnualDividendYield 0.010634649
lastDividendValue 0.16
lastDividendDate 2026-06-04
dividendDate 2026-09-17

Info Dump

Attribute Value
52 Week Change 0.11664426
Address1 64 Old Highway 22
All Time High 62.5
All Time Low 1.314357
Ask 77.12
Ask Size 2
Audit Risk 6
Average Daily Volume10 Day 53,300
Average Daily Volume3 Month 66,358
Average Volume 66,358
Average Volume10Days 53,300
Beta 0.63
Bid 41.87
Bid Size 2
Board Risk 5
Book Value 37.022
City Clinton
Compensation As Of Epoch Date 1,072,828,800
Compensation Risk 6
Country United States
Crypto Tradeable 0
Currency USD
Current Price 58.78
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 59.1
Day Low 58.32
Display Name Unity Bancorp
Dividend Date 1,789,603,200
Dividend Rate 0.68
Dividend Yield 1.16
Earnings Growth -0.118
Earnings Quarterly Growth -0.122
Earnings Timestamp 1,784,032,200
Earnings Timestamp End 1,791,894,600
Earnings Timestamp Start 1,791,894,600
Ebitda Margins 0.0
Enterprise To Revenue 5.14
Enterprise Value 670,350,720
Eps Current Year 5.846
Eps Forward 6.358
Eps Trailing Twelve Months 5.78
Esg Populated 0
Ex Dividend Date 1,788,393,600
Exchange NGM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 58.3674
Fifty Day Average Change 0.41259766
Fifty Day Average Change Percent 0.0070689744
Fifty Two Week Change Percent 11.664427
Fifty Two Week High 62.5
Fifty Two Week High Change -3.7200012
Fifty Two Week High Change Percent -0.05952002
Fifty Two Week Low 44.34
Fifty Two Week Low Change 14.439999
Fifty Two Week Low Change Percent 0.3256653
Fifty Two Week Range 44.34 - 62.5
Financial Currency USD
First Trade Date Milliseconds 853,252,200,000
Five Year Avg Dividend Yield 1.45
Float Shares 7,329,174
Forward Eps 6.358
Forward P E 9.245046
Full Exchange Name NasdaqGM
Full Time Employees 249
Fullday Change 0.48
Fullday Change Percent 0.823327
Fullday Price 58.78
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.0
Gross Profits 130,428,000
Has Pre Post Market Data 1
Held Percent Insiders 0.27371
Held Percent Institutions 0.5457
Implied Shares Outstanding 10,042,578
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 590,302,720
Market State CLOSED
Max Age 86,400
Message Board Id finmb_368683
Most Recent Quarter 1,782,777,600
Net Income To Common 58,622,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 587,591,238
Number Of Analyst Opinions 5
Open 58.46
Operating Cashflow 27,642,000
Operating Margins 0.58169
Overall Risk 5
Payout Ratio 0.1078
Peg Ratio 0.99
Phone 908 730 7630
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 58.78
Post Market Time 1,787,948,100
Previous Close 58.3
Price Eps Current Year 10.054738
Price Hint 2
Price To Book 1.5877047
Price To Sales Trailing12 Months 4.5258894
Profit Margins 0.44946
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.48
Regular Market Change Percent 0.823327
Regular Market Day High 59.1
Regular Market Day Low 58.32
Regular Market Day Range 58.32 - 59.1
Regular Market Open 58.46
Regular Market Previous Close 58.3
Regular Market Price 58.78
Regular Market Time 1,787,947,200
Regular Market Volume 44,651
Return On Assets 0.01915
Return On Equity 0.16951
Revenue Growth -0.057
Revenue Per Share 13.011
Sand P52 Week Change 0.20504117
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 4
Shares Outstanding 10,042,578
Shares Percent Shares Out 0.014099999
Shares Short 141,912
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 113,989
Short Name Unity Bancorp, Inc.
Short Percent Of Float 0.0195
Short Ratio 2.13
Source Interval 15
State NJ
Symbol UNTY
Target High Price 72.0
Target Low Price 66.75
Target Mean Price 68.55
Target Median Price 68.0
Total Cash 250,667,008
Total Cash Per Share 24.96
Total Debt 330,715,008
Total Revenue 130,428,000
Tradeable 0
Trailing Annual Dividend Rate 0.62
Trailing Annual Dividend Yield 0.010634649
Trailing Eps 5.78
Trailing P E 10.16955
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 54.2688
Two Hundred Day Average Change 4.5112
Two Hundred Day Average Change Percent 0.083126955
Type Disp Equity
Volume 44,651
Website https://www.unitybank.com
Zip 8,809