UNTY · Unity Bancorp Inc /Nj/ - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $18.49M | - | $18.87M | $21.53M | $15.42M | - | $14.57M | $12.55M | $12.78M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $14.10M | - |
| Income Tax | $4.20M | - | $4.48M | $5.04M | $3.83M | - | $3.66M | $3.10M | $3.20M | - |
| Net Income | $14.29M | - | $14.39M | $16.49M | $11.60M | - | $10.90M | $9.45M | $9.59M | - |
| EPS - Basic | $1.43 | - | $1.43 | $1.64 | $1.15 | - | $1.09 | $0.94 | $0.95 | - |
| EPS - Diluted | $1.40 | - | $1.41 | $1.61 | $1.13 | - | $1.07 | $0.93 | $0.93 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $229.16M | $216.52M | $203.49M | $293.73M | $211.59M | $180.44M | $194.50M | $197.42M | $182.99M | $194.78M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $3.03B | $2.97B | $2.88B | $2.93B | $2.77B | $2.65B | $2.64B | $2.60B | $2.57B | $2.58B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | $230.81M | - | - | - | $366.75M |
| Total Liabilities | $2.67B | $2.62B | $2.54B | $2.61B | $2.46B | $2.36B | $2.35B | $2.32B | $2.30B | $2.32B |
| Stockholders' Equity | $358.10M | $345.63M | $334.02M | $319.84M | $306.14M | $295.58M | $284.26M | $273.39M | $266.76M | $261.43M |
| Retained Earnings | $256.62M | $243.94M | $265.49M | $252.61M | $237.52M | $227.33M | $217.14M | $207.53M | $199.38M | $191.11M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $14.92M | - | - | - | $17.85M | - | - | - | $15.76M | - |
| Investing Cash Flow | ($47.52M) | - | - | - | ($82.77M) | - | - | - | ($3.02M) | - |
| Financing Cash Flow | $45.24M | - | - | - | $96.07M | - | - | - | ($24.53M) | - |
| CapEx | $425.0K | - | - | - | $279.0K | - | - | - | $78.0K | - |
| Free Cash Flow | $14.50M | - | - | - | $17.57M | - | - | - | $15.68M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.01 | - | - | - | 1.52 | - | - | - | 1.64 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 22.7% | - | 23.7% | 23.4% | 24.8% | - | 25.1% | 24.7% | 25.0% | - |
| Return on assets | 0.5% | - | 0.5% | 0.6% | 0.4% | - | 0.4% | 0.4% | 0.4% | - |
| Return on equity | 4.0% | - | 4.3% | 5.2% | 3.8% | - | 3.8% | 3.5% | 3.6% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | 0.78 | - | - | - | 1.40 |
| Debt / Assets | - | - | - | - | - | 0.09 | - | - | - | 0.14 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.9x | - |
| Equity multiplier | 8.45 | 8.58 | 8.61 | 9.16 | 9.04 | 8.98 | 9.27 | 9.50 | 9.63 | 9.86 |
| Liabilities / Assets | 0.88 | 0.88 | 0.88 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.90 | 0.90 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 37.0x | - | 34.7x | 29.2x | 36.0x | - | 31.8x | 31.8x | 29.7x | - |
| P / B | 1.5x | - | 1.5x | 1.5x | 1.4x | - | 1.2x | 1.1x | 1.1x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 19.9% | - | 29.5% | 71.5% | 20.7% | - | 11.7% | -4.2% | -7.3% | - |
| Net income growth (YoY) | 23.2% | - | 32.0% | 74.4% | 21.0% | - | 9.6% | -2.5% | -6.8% | - |
| EPS growth (YoY) | 23.9% | - | 31.8% | 73.1% | 21.5% | - | 10.3% | -2.1% | -3.1% | - |
| EPS CAGR (3y) | 13.4% | - | 14.9% | 22.3% | 10.0% | - | 5.9% | 5.1% | 5.1% | - |
| EPS CAGR (5y) | 11.8% | - | 21.2% | 27.9% | 18.2% | - | 14.7% | 11.9% | 12.3% | - |
| FCF growth (YoY) | -17.5% | - | - | - | 12.1% | - | - | - | 15.7% | - |
| FCF CAGR (5y) | 4.9% | - | - | - | 9.2% | - | - | - | 7.1% | - |
| Book value growth (YoY) | 17.0% | 16.9% | 17.5% | 17.0% | 14.8% | 13.1% | 12.6% | 12.0% | 10.9% | 9.3% |
Peer comparison
Same SIC group: State Commercial Banks
Comparing UNITY BANCORP INC /NJ/ against the 5 most active filers in the same SIC group.
Dividends
$0.60/share trailing 12 months · +13.2% YoY
| Ex-date | Per share |
|---|---|
| Mar 6, 2026 | $0.1600 |
| Dec 5, 2025 | $0.1500 |
| Sep 5, 2025 | $0.1500 |
| Jun 6, 2025 | $0.1400 |
| Mar 14, 2025 | $0.1400 |
| Dec 13, 2024 | $0.1300 |
| Sep 6, 2024 | $0.1300 |
| Jun 7, 2024 | $0.1300 |
| Mar 14, 2024 | $0.1300 |
| Dec 14, 2023 | $0.1200 |
| Sep 7, 2023 | $0.1200 |
| Jun 8, 2023 | $0.1200 |
| Mar 9, 2023 | $0.1200 |
| Dec 15, 2022 | $0.1100 |
| Sep 8, 2022 | $0.1100 |
| Jun 9, 2022 | $0.1100 |
| Mar 10, 2022 | $0.1000 |
| Dec 16, 2021 | $0.1000 |
| Sep 9, 2021 | $0.0900 |
| Jun 10, 2021 | $0.0900 |
| Mar 11, 2021 | $0.0800 |
| Dec 16, 2020 | $0.0800 |
| Sep 10, 2020 | $0.0800 |
| Jun 11, 2020 | $0.0800 |