logo
logo
Unity Bancorp, Inc.

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
$554.88M
PER (TTM)
9.5
15.2
配当利回り
1.0%
52週高値
$57.30
52週安値
$36.65
52週レンジ
90%
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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Strong Quarterly Net Income Net income $14.4M (up 32.1%) for the quarter; diluted EPS $1.41 versus $1.07 prior year.
Net Interest Margin Expansion NIM improved 38 basis points to 4.54% driven by higher loan yields and lower deposit costs.
Loan Portfolio Growth Total gross loans grew 9.2% ($207.9M) over year-end 2024, primarily in commercial and residential mortgages.
Solid Capital Ratios Bank CET1 ratio remains strong at 14.40% (Sep 30, 2025), exceeding regulatory minimums comfortably.

リスク要因

Nonaccrual Loans Increased Nonaccrual loans rose to $20.5M from $13.1M year-end, driven by increases across most loan segments.
Credit Loss Provision Rises Provision for loan losses increased to $1.4M for the quarter, primarily due to general reserve calculation for loan growth.
Interest Rate Sensitivity Exposure EVE sensitivity shows potential downside risk under adverse rate shifts, though NII remains positive in most scenarios.
Liquidity Reliance Concerns Potential reliance on secondary funding sources could increase overall cost of funding if deposit outflows occur.

見通し

Continued NIM Focus Management actively manages interest rate risk via swaps to limit variability in interest payments on variable rate debt.
Loan Quality Monitoring Credit risk management emphasizes ongoing internal reviews and monitoring concentrations, especially in the geographically concentrated NJ portfolio.
Deposit Retention Strategy Focus remains on building comprehensive customer relationships to attract and retain deposits against competitive pricing.
Regulatory Adaptation Company adopted ASU 2023-09 regarding income tax disclosures with no material impact noted on financials.

同業比較

売上高 (TTM)

Midland States Bancorp, Inc.MSBI
$455.97M
-23.1%
Peapack-Gladstone Financial CorporationPGC
$441.36M
+9.5%
Shore Bancshares, Inc.SHBI
$342.72M
+5.0%

粗利益率 (最新四半期)

Northrim BanCorp, Inc.NRIM
82.9%
+5.0pp
Red River Bancshares, Inc.RRBI
73.5%
+4.0pp
Bar Harbor BanksharesBHB
72.3%
+4.0pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
SHBI$674.89M11.310.4%1.8%
PGC$608.91M16.35.9%1.6%
RRBI$608.84M13.912.3%0.0%

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
50%
キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年4月9日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月6日|
    売上高: $63.05M+49.7%
    |
    EPS: $1.43+31.2%
    予想を上回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月6日|
    売上高: $50.19M+26.5%
    |
    EPS: $1.64+74.5%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月7日|
    売上高: $42.90M+8.2%
    |
    EPS: $1.15+21.1%
    予想通り

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月7日|
    売上高: $163.07M+8.2%
    |
    EPS: $4.13+6.2%
    予想を上回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月12日|
    売上高: $42.13M+8.5%
    |
    EPS: $1.09+11.2%
    予想を上回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月6日|
    売上高: $39.67M+6.1%
    |
    EPS: $0.94-2.1%
    予想通り

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月8日|
    売上高: $39.66M+14.6%
    |
    EPS: $0.95-3.1%
    予想を上回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月7日|
    売上高: $150.72M+39.2%
    |
    EPS: $3.89+6.3%
    予想通り