Unity Bancorp, Inc.

NASDAQ•UNTY

CEO: Mr. David D. Dallas

セクター: Financial Services

業種: Banks - Regional

上場日: 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.

連絡先情報

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

800-618-2265

www.unitybank.com

時価総額

$503.78M

PER (TTM)

8.7

14.4

配当利回り

1.2%

52週高値

$57.30

52週安値

$36.65

52週レンジ

66%

順位33Top 25.7%

4.8

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

堅調 • 4.8 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$49.77M+18.49%

直近4四半期の推移

EPS

$1.55+34.78%

直近4四半期の推移

フリーCF

$6.09M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

MSBI

$455.97M

-23.1%

PGC

$441.36M

+9.5%

SHBI

$342.72M

+5.0%

粗利益率 (最新四半期)

NFBK

314.9%

+0.0pp

NRIM

82.9%

+5.0pp

RRBI

73.5%

+4.0pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
PGC	$596.62M	16.0	5.9%	3.5%
RRBI	$593.23M	13.5	12.3%	0.0%
SHBI	$592.66M	10.0	10.4%	1.8%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

5.1%

安定成長

4四半期純利益CAGR

10.1%

収益性の着実な向上

キャッシュフロー安定性

75%

キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月9日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし