CoverageForm 410-K10-Q8-K13D13G13F

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.

Price · UNTY

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue------
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A$1.40M$1.50M$1.40M$1.40M$1.60M$1.60M
Operating Income$75.51M$54.39M$52.99M$51.42M$31.12M$31.12M
Interest Expense--$48.50M$10.63M$7.74M$14.48M
Income Tax$17.56M$12.94M$13.29M$12.96M$12.01M$7.47M
Net Income$57.95M$41.45M$39.71M$38.46M$36.12M$23.64M
EPS - Basic$5.78$4.13$3.89$3.66$3.47$2.21
EPS - Diluted$5.67$4.06$3.84$3.59$3.43$2.19

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$216.52M$180.44M$194.78M$114.79M$244.82M$219.31M
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$2.97B$2.65B$2.58B$2.44B$2.03B$1.96B
Current Liabilities------
Long-term Debt-$230.81M$366.75M$393.31M$50.31M$210.31M
Total Liabilities$2.62B$2.36B$2.32B$2.21B$1.83B$1.79B
Stockholders' Equity$345.63M$295.58M$261.43M$239.23M$205.73M$173.91M
Retained Earnings$243.94M$227.33M$191.11M$156.96M$123.04M$90.67M

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$44.91M$47.99M$46.91M$42.67M$23.45M$33.74M
Investing Cash Flow($256.84M)($92.81M)($57.85M)($541.28M)($31.44M)($186.78M)
Financing Cash Flow$248.01M$30.49M$90.92M$368.59M$33.49M$214.33M
CapEx$564.0K$693.0K$955.0K$1.48M$1.27M$559.0K
Free Cash Flow$44.34M$47.29M$45.95M$41.19M$22.18M$33.19M

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin------
EBITDA margin------
Net margin------
Free cash flow margin------
FCF / Net income0.771.141.161.070.611.40
R&D / Revenue------
SG&A / Revenue------
Effective tax rate23.3%23.8%25.1%25.2%25.0%24.0%
Return on assets2.0%1.6%1.5%1.6%1.8%1.2%
Return on equity16.8%14.0%15.2%16.1%17.6%13.6%
Return on invested capital-7.9%6.3%6.1%9.1%6.2%
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity-0.781.401.640.241.21
Debt / Assets-0.090.140.160.020.11
Debt / EBITDA-4.136.747.451.546.43
Interest coverage--1.1x4.8x4.0x2.1x
Equity multiplier8.588.989.8610.229.8911.26
Liabilities / Assets0.880.890.900.900.900.91
Efficiency
Asset turnover------
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E9.1x10.7x7.7x7.6x7.7x8.0x
P / B1.5x1.5x1.2x1.2x1.3x1.1x
P / S------
EV / EBITDA4.1x8.9x8.8x10.8x2.5x5.5x
Growth
Revenue growth (YoY)------
Revenue CAGR (3y)------
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)38.8%2.6%3.1%65.2%0.0%2.7%
Net income growth (YoY)39.8%4.4%3.3%6.5%52.8%-0.0%
EPS growth (YoY)39.7%5.7%7.0%4.7%56.6%2.3%
EPS CAGR (3y)16.5%5.8%20.6%18.8%19.5%22.2%
EPS CAGR (5y)21.0%13.7%13.8%24.5%20.0%14.4%
FCF growth (YoY)-6.2%2.9%11.6%85.7%-33.1%2.1%
FCF CAGR (5y)6.0%7.8%44.6%26.1%-74.8%
Book value growth (YoY)16.9%13.1%9.3%16.3%18.3%8.2%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

4/9
Neutral
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • No share dilution
  • -Gross margin improved
  • -Asset turnover improved

Peer comparison

Same SIC group: State Commercial Banks

CompanyRevenue (last FY)Net marginROE
ASB--9.5%
CZNC$5.98M392.0%6.9%
SBSI--8.2%
CBSH--14.9%
BUSE$719.58M18.8%5.5%

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-datePer 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