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Unity Bancorp, Inc. (UNTY)

Financial Services | Banks - Regional | Clinton, United States | NasdaqGM
52.67 USD -1.80 (-3.296%) ⇩ (April 21, 2026, 4 p.m. EDT)

Short-term:★★★★☆Long-term:★★★★★Dividends:★★★★☆
Hot Take | April 19, 2026, 12:55 a.m. EDT

UNTY presents as a high-conviction 'income compounder' currently trading near its long-term average, supported by robust quarter-over-quarter growth and a manageable payout ratio. The divergence between static reporting on the short-term horizon and the model's slight bearish forecast is likely a statistical anomaly rather than a fundamental threat. For a multi-year hold, this is a top-tier defensive small-cap bank play, trading at reasonable multiples relative to its high ROE and earnings growth, making it a buy on dips for capital preservation and steady accumulation.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.033755
AutoETS0.034252
AutoARIMA0.034486
AutoTheta0.048422

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 80%
H-stat 0.93
Ljung-Box p 0.000
Jarque-Bera p 0.484
Excess Kurtosis -0.88
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-03-05
Last Dividend Date 2026-03-05
Revenue per Share 13.21
Market Cap 528,809,280
Trailing P/E 8.87
Forward P/E 8.16
Beta 0.65
Profit Margins 45.80%
Website https://www.unitybank.com

As of April 19, 2026, 12:55 a.m. EDT: Options volume is extremely low, indicating a lack of significant speculative positioning or institutional activity. Implied Volatility (IV) remains low and stable across expirations (0.63 for calls, 1.22 for puts), suggesting dealers are not pricing in imminent volatility expansion. The Gamma is neutral with no distinct barriers to price movement. The slight increase in Open Interest (OI) at the $60 strike for upcoming months suggests a minor floor of bullish sentiment, but the $0.0 IV on the 7/17 calls indicates a theoretical dead zone where no pricing is currently active.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.31% 1.22% 1.58% 1.64%
Dividend History
Date Dividend Yield %
2026-03-06 0.160000 0.313234
2025-12-05 0.150000 0.289294
2025-09-05 0.150000 0.288851
2025-06-06 0.140000 0.328532
2025-03-14 0.140000 0.333816
2024-12-13 0.130000 0.282038
2024-09-06 0.130000 0.411664
2024-06-07 0.130000 0.505581
2024-03-14 0.130000 0.498400
2023-12-14 0.120000 0.449811
2023-09-07 0.120000 0.533551
2023-06-08 0.120000 0.520192
2023-03-09 0.120000 0.504918
2022-12-15 0.110000 0.433791
2022-09-08 0.110000 0.423359
2022-06-09 0.110000 0.413763
2022-03-10 0.100000 0.383310
2021-12-16 0.100000 0.415035
2021-09-09 0.090000 0.424054
2021-06-10 0.090000 0.427414
2021-03-11 0.080000 0.393214
2020-12-16 0.080000 0.486134
2020-09-10 0.080000 0.709541
2020-06-11 0.080000 0.633616
2020-03-12 0.080000 0.592536
2019-12-12 0.080000 0.381326
2019-09-12 0.080000 0.428328
2019-06-13 0.080000 0.429189
2019-03-14 0.070000 0.376820
2018-12-13 0.070000 0.379396
2018-09-13 0.070000 0.329796
2018-06-14 0.070000 0.356839
2018-03-15 0.060000 0.302040
2017-12-14 0.060000 0.337237
2017-09-14 0.060000 0.376327
2017-06-13 0.060000 0.422880
2017-03-15 0.050000 0.342138
2016-12-14 0.050000 0.394838
2016-09-09 0.045455 0.443586
2016-06-14 0.036364 0.370413
2016-03-15 0.036364 0.427467
2015-12-11 0.036364 0.429501
2015-09-11 0.036364 0.481459
2015-06-11 0.027273 0.379700
2015-03-12 0.027273 0.387582
2014-12-04 0.027273 0.355810
2014-09-10 0.027273 0.385892
2014-06-11 0.018182 0.262930
2014-03-13 0.018182 0.296500
2013-12-12 0.009091 0.156779
2013-09-12 0.009091 0.156779
2013-06-13 0.009091 0.171057
2008-07-09 0.045455 0.966478
2008-04-09 0.043290 0.820139
2008-01-09 0.043290 0.718652
2007-10-10 0.043290 0.565988
2007-07-11 0.043290 0.590904
2007-04-11 0.041229 0.534847
2007-01-10 0.041229 0.432708
2006-10-11 0.041229 0.394486
2006-07-12 0.041229 0.368536
2006-04-11 0.039265 0.393178
2006-01-11 0.039265 0.451400
2005-10-12 0.039265 0.502637
2005-07-13 0.039265 0.550490
2005-04-13 0.029916 0.425612
2005-01-12 0.029916 0.367605
2004-10-13 0.029916 0.419863
2004-07-13 0.029916 0.387360
2004-04-13 0.028492 0.383026
2004-01-13 0.021369 0.327103
2003-10-10 0.021369 0.346604
1999-10-27 0.040703 1.008943
1999-08-06 0.040703 0.818734
1999-05-06 0.040703 0.793311
1999-02-03 0.033919 0.652607
1998-12-17 0.032562 0.589787
1998-10-28 0.020674 0.359802
1998-07-29 0.032304 0.487188
1998-04-29 0.021536 0.263547
1998-01-21 0.021536 0.321263
1997-10-08 0.021536 0.407997
1997-07-02 0.021536 0.499322
1997-04-11 0.021536 0.466878
Additional Data
dividendRate 0.6
dividendYield 1.14
exDividendDate 2026-03-06
trailingAnnualDividendRate 0.6
trailingAnnualDividendYield 0.011017261
lastDividendValue 0.16
lastDividendDate 2026-03-06
dividendDate 2026-03-20

Info Dump

Attribute Value
52 Week Change 0.25794125
Address1 64 Old Highway 22
All Time High 57.3
All Time Low 1.314357
Ask 67.82
Ask Size 2
Audit Risk 6
Average Analyst Rating 2.0 - Buy
Average Daily Volume10 Day 61,510
Average Daily Volume3 Month 51,049
Average Volume 51,049
Average Volume10Days 61,510
Beta 0.651
Bid 38.53
Bid Size 2
Board Risk 4
Book Value 34.627
City Clinton
Compensation As Of Epoch Date 1,072,828,800
Compensation Risk 6
Country United States
Crypto Tradeable 0
Currency USD
Current Price 52.665
Custom Price Alert Confidence HIGH
Date Short Interest 1,774,915,200
Day High 54.8
Day Low 50.7628
Display Name Unity Bancorp
Dividend Date 1,773,964,800
Dividend Rate 0.6
Dividend Yield 1.14
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 4.216
Enterprise Value 558,233,280
Eps Current Year 5.82
Eps Forward 6.455
Eps Trailing Twelve Months 5.94
Esg Populated 0
Ex Dividend Date 1,772,755,200
Exchange NGM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 52.7314
Fifty Day Average Change -0.06639862
Fifty Day Average Change Percent -0.0012591856
Fifty Two Week Change Percent 25.794125
Fifty Two Week High 57.3
Fifty Two Week High Change -4.6349983
Fifty Two Week High Change Percent -0.08089002
Fifty Two Week Low 41.0
Fifty Two Week Low Change 11.665001
Fifty Two Week Low Change Percent 0.28451222
Fifty Two Week Range 41.0 - 57.3
Financial Currency USD
First Trade Date Milliseconds 853,252,200,000
Five Year Avg Dividend Yield 1.46
Float Shares 7,292,276
Forward Eps 6.455
Forward P E 8.158792
Full Exchange Name NasdaqGM
Full Time Employees 244
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,775,001,600
Gross Margins 0.0
Gross Profits 132,394,000
Has Pre Post Market Data 1
Held Percent Insiders 0.2757
Held Percent Institutions 0.5103
Implied Shares Outstanding 10,041,000
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 1,772,755,200
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 528,809,280
Market State PRE
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 546,832,860
Number Of Analyst Opinions 2
Open 54.45
Operating Margins 0.57703
Overall Risk 4
Payout Ratio 0.101
Peg Ratio 0.99
Phone 908 730 7630
Pre Market Change 0.84349823
Pre Market Change Percent 1.6016296
Pre Market Price 53.5085
Pre Market Time 1,776,847,112
Previous Close 54.46
Price Eps Current Year 9.048969
Price Hint 2
Price To Book 1.520923
Price To Sales Trailing12 Months 3.9942088
Profit Margins 0.45803002
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.0
Region US
Regular Market Change -1.795
Regular Market Change Percent -3.29599
Regular Market Day High 54.8
Regular Market Day Low 50.7628
Regular Market Day Range 50.7628 - 54.8
Regular Market Open 54.45
Regular Market Previous Close 54.46
Regular Market Price 52.665
Regular Market Time 1,776,801,600
Regular Market Volume 37,607
Return On Assets 0.02093
Return On Equity 0.18259001
Revenue Growth 0.161
Revenue Per Share 13.21
Sand P52 Week Change 0.3140242
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 4
Shares Outstanding 10,041,000
Shares Percent Shares Out 0.0087
Shares Short 87,118
Shares Short Previous Month Date 1,772,150,400
Shares Short Prior Month 68,370
Short Name Unity Bancorp, Inc.
Short Percent Of Float 0.012
Short Ratio 1.95
Source Interval 15
State NJ
Symbol UNTY
Target High Price 65.0
Target Low Price 65.0
Target Mean Price 65.0
Target Median Price 65.0
Total Cash 229,160,000
Total Cash Per Share 22.822
Total Debt 258,584,000
Total Revenue 132,394,000
Tradeable 0
Trailing Annual Dividend Rate 0.6
Trailing Annual Dividend Yield 0.011017261
Trailing Eps 5.94
Trailing P E 8.866161
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 51.332
Two Hundred Day Average Change 1.3330002
Two Hundred Day Average Change Percent 0.02596821
Type Disp Equity
Volume 37,607
Website https://www.unitybank.com
Zip 8,809