Unity Bancorp, Inc.

NASDAQ•UNTY

CEO: Mr. David D. Dallas

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1997-01-14

Unity Bancorp, Inc. operates as a bank holding company for Unity Bank that provides range of commercial and retail banking services to individuals, small and medium sized businesses, and professional communities. It offers personal and business checking accounts, time deposits, money market accounts, savings accounts, and retirement accounts, as well as noninterest and interest-bearing demand deposits. The company also provides small business administration loans; commercial loans; and residential mortgage and consumer loans, including residential real estate, home equity lines and loans, and residential construction lines, as well as personal loans. In addition, it offers credit and debit cards, wire transfer, safe deposit box, automated teller, and internet and mobile banking services; and automated clearing house origination and remote deposit capture services. Unity Bancorp, Inc. was incorporated in 1991 and is headquartered in Clinton, New Jersey.

Contact Information

64 Old Highway 22, Clinton, NJ, 08809, United States

800-618-2265

www.unitybank.com

Market Cap

$503.68M

P/E (TTM)

8.7

14.2

Dividend Yield

1.2%

52W High

$57.30

52W Low

$36.65

52W Range

65%

Rank33Top 25.7%

4.8

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.8 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$49.77M+18.49%

4-Quarter Trend

EPS

$1.55+34.78%

4-Quarter Trend

FCF

$6.09M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Strong Net Income Growth Net income rose 39.8% to $58.0M in 2025, driven by an 18.7% increase in net interest income to $117.0M.

Net Interest Margin Expansion Net interest margin increased 36 basis points to 4.52% in 2025, reflecting improved yields on interest-earning assets and lower interest-bearing liability costs.

Robust Loan Deposit Growth Total gross loans grew 12.6% to $2.54B, while total deposits increased 10.7% to $2.32B, supporting overall balance sheet expansion.

Risk Factors

High Real Estate Concentration Approximately 96% of the loan portfolio is real estate secured, creating significant vulnerability to market value declines in primary trade areas.

Liquidity and Funding Risks Elevated wholesale funding and competitive deposit markets pose liquidity risks, potentially increasing funding costs and reducing net interest income and margins.

Interest Rate Sensitivity Exposure Variations in interest rates significantly impact net interest income, with potential for NIM compression if asset and liability repricing mismatches occur.

Outlook

Continued Operational Growth Focus Management expects continued growth in operations and headcount, requiring effective management of increased strain on resources and maintaining competitive employee benefits.

Regulatory and Tech Adaptation The Company anticipates increased regulatory scrutiny regarding AI and model-derived stress testing, necessitating ongoing investment in compliance and technological infrastructure.

Intense Market Competition The Company faces persistent competition for loans and deposits from larger banks and fintechs, requiring strategic pricing and personalized local service.

Peer Comparison

Revenue (TTM)

MSBI

$455.97M

-23.1%

PGC

$441.36M

+9.5%

SHBI

$342.72M

+5.0%

Gross Margin (Latest Quarter)

NFBK

314.9%

+0.0pp

NRIM

82.9%

+5.0pp

RRBI

73.5%

+4.0pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
RRBI	$598.57M	13.6	12.3%	0.0%
PGC	$597.32M	16.0	5.9%	3.5%
SHBI	$595.00M	10.0	10.4%	1.8%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

5.1%

Steady Growth

4Q Net Income CAGR

10.1%

Profitability Improving

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Apr 9, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data