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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 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 item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 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 item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 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
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 0.77 | 1.14 | 1.16 | 1.07 | 0.61 | 1.40 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 23.3% | 23.8% | 25.1% | 25.2% | 25.0% | 24.0% |
| Return on assets | 2.0% | 1.6% | 1.5% | 1.6% | 1.8% | 1.2% |
| Return on equity | 16.8% | 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 | - | 0.78 | 1.40 | 1.64 | 0.24 | 1.21 |
| Debt / Assets | - | 0.09 | 0.14 | 0.16 | 0.02 | 0.11 |
| Debt / EBITDA | - | 4.13 | 6.74 | 7.45 | 1.54 | 6.43 |
| Interest coverage | - | - | 1.1x | 4.8x | 4.0x | 2.1x |
| Equity multiplier | 8.58 | 8.98 | 9.86 | 10.22 | 9.89 | 11.26 |
| Liabilities / Assets | 0.88 | 0.89 | 0.90 | 0.90 | 0.90 | 0.91 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 9.1x | 10.7x | 7.7x | 7.6x | 7.7x | 8.0x |
| P / B | 1.5x | 1.5x | 1.2x | 1.2x | 1.3x | 1.1x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 4.1x | 8.9x | 8.8x | 10.8x | 2.5x | 5.5x |
| 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
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 |