Stocktoria
UNITY BANCORP INC /NJ/ UNTY
UNITY BANCORP INC /NJ/ (UNTY) earns a Piotroski F-score of 3/9 (weak financial health). It pays a dividend yielding 1.01% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| UNTY | UNITY BANCORP INC /NJ/ | 3/9 | — | 9.6 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About UNITY BANCORP INC /NJ/
Unity Bancorp, Inc. operates as the bank holding company for Unity Bank that provides commercial and retail banking services. It offers personal and business checking, money market, savings, retirement, money market accounts, as well as time and noninterest and interest-bearing demand deposits. The company also provides commercial, small business administration, consumer, mortgage, and home equity and personal loans; and owner and non-owner-occupied commercial mortgages. In addition, it is involved in the residential construction, commercial, and industrial lending activities secured by business assets, including real estate, receivables, inventory, and equipment. Further, the company offers credit and debit cards, wire transfers, safe deposit boxes, automated teller, and internet and mobile banking services; automated clearing house origination and remote deposit capture services; and business services, such as escrow account, merchant, and online services. Unity Bancorp, Inc. was founded in 1991 and is headquartered in Clinton, New Jersey.
FAQ
Is UNTY financially healthy?
UNITY BANCORP INC /NJ/'s Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does UNTY pay a dividend, and is it safe?
Yes. UNITY BANCORP INC /NJ/ pays a dividend yielding about 1.01% with a 9.7% payout ratio, rated “safe” for safety.
How profitable is UNTY?
In FY2025, UNITY BANCORP INC /NJ/ had a return on equity of 16.8%.
Is UNTY overvalued or undervalued?
UNITY BANCORP INC /NJ/ trades at about 10.9× trailing earnings — above its 10-year norm (10-year range 7.1×–17.1×, median 9.9×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for UNTY?
The average Wall-Street price target for UNITY BANCORP INC /NJ/ is $65.50, about 6.3% above the recent price, from 4 analysts (consensus: strong buy).
Is UNTY a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on UNITY BANCORP INC /NJ/: a Piotroski F-score of 3/9, a P/E of about 9.6×, a dividend yield of 1.01%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.