UNTY
Financial ServicesUnity Bancorp, Inc. · Banks - Regional · $550M
What is Unity Bancorp, Inc.?
Unity Bancorp is the holding company for Unity Bank, a community bank serving individuals, small businesses, and professionals across New Jersey and Pennsylvania.
Unity Bank generates revenue through traditional banking activities — accepting deposits and extending credit. It offers personal and business checking, savings, and money market accounts alongside commercial loans, SBA loans, residential mortgages, home equity products, and consumer loans. Customers are served through branch offices and online banking channels.
Incorporated in 1991 and headquartered in Clinton, New Jersey, Unity Bank has built a regional presence across multiple Garden State counties.
- Personal and business deposit accounts
- SBA and commercial loans
- Residential mortgage and home equity products
- Consumer and personal loans
Is UNTY a Good Stock to Buy?
UQS Score rates UNTY as Good overall.
The Quality pillar stands out as the strongest element of UNTY's profile, suggesting the bank maintains sound fundamentals relative to its peer group. Valuation is rated Attractive, meaning the stock does not appear expensive compared to its underlying profile.
The Moat and Risk pillars are both rated Weak, reflecting the competitive pressures typical of community banking and the inherent balance-sheet sensitivities of smaller regional lenders.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does UNTY pay dividends?
Yes — Unity Bancorp, Inc. pays a dividend.
Unity Bancorp pays a regular dividend, consistent with the income-oriented tradition of community banks. For investors seeking periodic income alongside capital exposure, UNTY's dividend policy reflects management's commitment to returning capital to shareholders.
When does UNTY report earnings?
Unity Bancorp reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's Quality pillar rating suggests its recent financial results have been relatively sound within the community banking segment. Growth is rated Neutral, indicating performance broadly in line with sector expectations rather than outperforming peers.
For the most recent quarter's results and guidance, visit Unity Bancorp's investor relations page directly.
UNTY Price History
+135.2% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Unity Bancorp, Inc.?
Based on Unity Bancorp, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Unity Bancorp do?
Unity Bancorp operates Unity Bank, a community bank serving individuals, small and mid-sized businesses, and professionals. It offers deposit accounts, commercial and SBA loans, residential mortgages, and consumer lending across New Jersey and parts of Pennsylvania.
Does UNTY pay dividends?
Yes, Unity Bancorp pays a regular dividend. This is common among profitable community banks that prioritize returning capital to shareholders. Check the company's investor relations page for the current dividend rate and payment schedule.
When does UNTY report earnings?
Unity Bancorp follows a standard quarterly earnings cadence. Specific dates are not covered by our data source — visit the company's investor relations page for the most current schedule.
Is UNTY a good stock to buy?
UQS Score rates UNTY as Good overall, with a Strong Quality pillar and Attractive Valuation. However, Moat and Risk are both rated Weak. Whether it fits your portfolio depends on your risk tolerance and investment goals — the full pillar breakdown is available to Pro members.
Is UNTY overvalued?
The UQS Valuation pillar for UNTY is rated Attractive, suggesting the stock is not considered expensive relative to its quality profile. Community banks can trade at varying multiples depending on interest rate conditions and credit quality.
What is UNTY's market cap bracket?
Unity Bancorp is classified as a small-cap stock. This places it in the segment of publicly traded companies with more limited liquidity and analyst coverage than large or mega-cap peers, which is typical for regional community banks.
Is UNTY a long-term quality investment?
As a long-term quality indicator, UNTY's Strong Quality pillar is encouraging, but the Weak Moat rating suggests limited structural competitive advantages. Long-term holders should weigh the bank's local franchise strength against competitive and risk pressures in community banking.
What sector does UNTY belong to?
Unity Bancorp operates in the Financial Services sector, specifically within community and regional banking. This sector is sensitive to interest rate cycles, credit conditions, and local economic health — all factors reflected in the UQS Risk pillar assessment.
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Pro Analysis
UNTY — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 55.5 | 93.9 | 22.0 | 41.8 | 28.2 | 93.3 | -0.1 |
| May 3, 2026 | 55.6 | 95.4 | 22.0 | 41.2 | 27.0 | 92.8 | 0.0 |
| Apr 26, 2026 | 55.6 | 95.4 | 22.0 | 41.2 | 27.0 | 92.9 | +0.1 |
| Apr 25, 2026 | 55.5 | 95.4 | 22.0 | 41.2 | 27.0 | 92.3 | -0.8 |
| Apr 20, 2026 | 56.3 | 95.4 | 22.0 | 43.3 | 27.0 | 94.5 | -0.1 |
| Apr 19, 2026 | 56.4 | 95.4 | 22.0 | 43.8 | 27.0 | 95.1 | 0.0 |
| Apr 18, 2026 | 56.4 | 95.4 | 22.0 | 43.8 | 27.0 | 94.9 | -0.3 |
| Apr 14, 2026 | 56.7 | 95.4 | 22.0 | 43.8 | 27.0 | 96.6 | 0.0 |
| Apr 12, 2026 | 56.7 | 95.4 | 22.0 | 43.8 | 27.0 | 96.7 | -0.1 |
| Apr 2, 2026 | 56.8 | 95.4 | 22.0 | 43.8 | 27.0 | 97.6 | — |
UNTY — Pillar Breakdown
Quality
— 94.2/100 (25%)Unity Bancorp, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 41.8/100 (20%)Unity Bancorp, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 28.2/100 (15%)Unity Bancorp, Inc. presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 93.6/100 (15%)Unity Bancorp, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 22/100 (25%)Unity Bancorp, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for UNTY.
Score Composition
Financial Data
More Stock Analysis
How is the UNTY UQS Score Calculated?
The UQS (Unified Quality Score) for Unity Bancorp, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Unity Bancorp, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Unity Bancorp, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.