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UNITY BANCORP INC /NJ/ UNTY

Nasdaq · stock · State Commercial Banks · website · IPO 1998-09-21

UNITY BANCORP INC /NJ/ statistics & valuation

Market cap$557.8M
P / E9.6×
P / B1.6×
P / FCF12.6×
Dividend yield1.01%
Return on equity16.8%
Graham number +6.6%$65.67

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($65.67); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
12.40% 10.90% 15.80% 14.70% 13.60% 17.60% 16.10% 15.20% 14.00% 16.80% 2016201720182019202020212022202320242025
Shares outstanding
10.5M 10.7M 10.9M 11.0M 10.8M 10.5M 10.7M 10.3M 10.2M 10.2M 2016201720182019202020212022202320242025
Net debt ($)
$131.3M $285.3M $220.3M $293.3M $210.3M $50.3M $393.3M $366.7M $230.8M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.10% 0.90% 1.40% 1.40% 1.20% 1.80% 1.60% 1.50% 1.60% 2.00% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
1.24× 2.42× 1.59× 1.83× 1.21× 0.24× 1.64× 1.40× 0.78× 2016201720182019202020212022202320242025
EPS ($)
$1.38 $1.20 $2.01 $2.14 $2.19 $3.43 $3.59 $3.84 $4.06 $5.67 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

UNITY BANCORP INC /NJ/ trades at about 10.9× earnings — above its 10-year norm (10-year range 7.1×–17.1×, median 9.9×).

7.1× 17.1×

Shaded band = 10-year range (7.1×–17.1×); dot = today's 10.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets2.0%1.6%1.5%1.6%1.8%1.2%1.4%1.4%0.9%1.1%
Return on equity16.8%14.0%15.2%16.1%17.6%13.6%14.7%15.8%10.9%12.4%
Debt / equity—0.78×1.40×1.64×0.24×1.21×1.83×1.59×2.42×1.24×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.