Stock Fundamentals

Company Information

Company Name
Unity Bancorp Inc
Sector
Financial Services
Industry
Banks - Regional
Exchange
NASDAQ
ISIN: US9132901029
CIK: 0000920427
CUSIP: 913290102
Currency: USD
Full Time Employees: 244
Phone: 908 730 7630
Fiscal Year End: December
IPO Date: Jan 20, 1997
Description:

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.

Address:

64 Old Highway 22, Clinton, NJ, United States, 08809

Directors & Officers

Name Title Year Born
Mr. David D. Dallas Founder & Independent Chairman of the Board 1955
Mr. George Allen Boyan III, J.D. President & Director 1982
Mr. Robert H. Dallas II Founder & Independent Director 1947
Mr. Vincent Geraci First Senior VP & Director of Mortgage Lending 1968
Mr. Daniel Sharabba Senior VP & Chief Retail Officer 1989
Mr. James Donovan First Senior VP & Chief Lending Officer 1964
Mr. James R. Davies First SVP, CFO, Principal Financial Officer & Principal Accounting Officer 1992
Mr. David Bove Senior VP & Chief Information Officer 1986
Christopher Fenimore First VP & Chief Compliance Officer NA
Crystal Rose First VP & Marketing Director NA

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Apr 17, 2026 Mary E Gross N/A Sale 2.08K $56.01 $116.22K
Mar 13, 2026 Robert H Dallas II N/A Sale 7.73K $49.60 $383.16K
Mar 12, 2026 Robert H Dallas II N/A Sale 7.09K $49.70 $352.27K
Feb 18, 2026 James A Hughes N/A Sale 1.50K $54.50 $81.75K
Jan 29, 2026 James Joseph Donovan N/A Sale 265.00 $52.11 $13.81K
Jan 15, 2026 James Joseph Donovan N/A Sale 777.00 $56.07 $43.57K
Jan 15, 2026 Minsu Kim N/A Sale 750.00 $56.13 $42.10K
Jan 15, 2026 Vincent Geraci N/A Sale 1.57K $55.38 $87.11K
Oct 22, 2025 James Joseph Donovan N/A Sale 167.00 $48.30 $8.07K

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 507.93K Mar 31, 2026 5.06% $0.00 -1.37%
Dimensional Fund Advisors, Inc. 448.44K Mar 31, 2026 4.47% $0.00 -0.73%
Vanguard Group Inc 427.55K Dec 31, 2025 4.26% $0.00 3.46%
Banc Funds Co LLC 375.47K Mar 31, 2026 3.74% $3.62 0.00%
AllianceBernstein L.P. 363.86K Mar 31, 2026 3.62% $0.01 1.44%
American Century Companies Inc 229.99K Mar 31, 2026 2.29% $0.01 11.96%
Wellington Management Company LLP 195.40K Mar 31, 2026 1.95% $0.00 -18.32%
Geode Capital Management, LLC 168.76K Mar 31, 2026 1.68% $0.00 -0.35%
Pacific Ridge Capital Partners, LLC 158.85K Mar 31, 2026 1.58% $1.78 6.14%
State Street Corp 147.91K Mar 31, 2026 1.47% $0.00 16.91%
Maltese Capital Management LLC 144.83K Mar 31, 2026 1.44% $1.48 -8.91%
Morgan Stanley - Brokerage Accounts 143.12K Mar 31, 2026 1.43% $0.00 14.27%
Royce & Associates, LP 128.43K Mar 31, 2026 1.28% $0.07 -0.73%
JPMorgan Chase & Co 87.08K Mar 31, 2026 0.87% $0.00 15.71%
Bridgeway Capital Management, LLC 86.00K Mar 31, 2026 0.86% $0.09 5.27%
Acadian Asset Management LLC 80.52K Mar 31, 2026 0.80% $0.01 8,058.46%
Kennedy Capital Management Inc 79.83K Mar 31, 2026 0.80% $0.09 1.39%
Northern Trust Corp 73.68K Mar 31, 2026 0.73% $0.00 1.75%
John W. Rosenthal Capital Management, Inc. 52.00K Mar 31, 2026 0.52% $2.64 0.00%
Empowered Funds, LLC 49.85K Mar 31, 2026 0.50% $0.02 0.00%

Shares Statistics

Shares Outstanding: 10.04M
Shares Float: 7.29M
% Insiders: 2,757.00%
% Institutions: 5,217.10%
Short % Float: 1.04%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard Total Stock Mkt Idx Inv 219.50K 2.19% ▲ 0.00% Apr 30, 2026
2 Avantis US Small Cap Value ETF 198.79K 1.98% ▲ 0.00% Apr 30, 2026
3 iShares Russell 2000 ETF 178.01K 1.77% ▲ 0.85% Apr 30, 2026
4 Pacific Ridge Capital Ptnrs Micro Cp Val 136.67K 1.36% ▼ 28.21% Mar 31, 2026
5 Acuitas US Microcap Strategy 78.87K 0.79% ▲ 4.41% Mar 31, 2026
6 Vanguard Institutional Extnd Mkt Idx Tr 76.96K 0.77% ▲ 1.09% Apr 30, 2026
7 DFA US Targeted Value I 74.07K 0.74% ▲ 0.00% Mar 31, 2026
8 Fidelity Small Cap Index 70.91K 0.71% ▲ 1.25% Feb 28, 2026
9 Adara Smaller Companies 62.17K 0.62% ▲ 0.00% Apr 30, 2026
10 Dimensional US Targeted Value ETF 60.05K 0.60% ▲ 0.00% Apr 30, 2026

Valuation Metrics

Enterprise Value: $563.35M
Trailing P/E: 8.88
Forward P/E: 10.60

Financial Highlights

Market Cap: $529.76M
P/E Ratio: $8.88
PEG Ratio: $0.99
Book Value: $35.66
Dividend/Share: $0.60
Dividend Yield: 1.10%
Earnings/Share: $5.94
Profit Margin: 45.80%
Operating Margin: 57.70%
ROA (TTM): 2.09%
ROE (TTM): 18.26%
Revenue (TTM): $132.39M
Revenue/Share (TTM): $13.21
Earnings Growth (YOY): 23.90%
Revenue Growth (YOY): 16.10%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 0.16x 0.77x 0.88x 1.33x 3.52x
2024-12-31 0.10x 1.29x 0.89x 0.95x 6.71x
2023-12-31 0.15x 2.75x 0.90x 1.09x 12.98x
2022-12-31 0.13x 3.08x 0.90x 4.84x 13.60x
2021-12-31 0.18x 0.25x 0.90x 6.22x 1.03x
2020-12-31 0.05x 2.36x 0.91x 2.15x 12.44x
2019-12-31 0.07x 1.58x 0.91x 1.68x 7.95x
2018-12-31 0.06x 1.59x 0.91x 2.02x 7.53x
2017-12-31 0.08x 2.08x 0.92x 2.37x 10.36x
2016-12-31 0.07x 1.24x 0.91x 2.33x 6.19x
2015-12-31 172.30x 1.57x 0.93x 1.88x 8.25x
2014-12-31 0.12x 1.36x 0.93x 1.31x 8.73x
2013-12-31 0.14x 1.06x 0.94x 1.18x 6.76x
2012-12-31 0.17x 0.78x 0.91x 0.83x 7.72x
2011-12-31 40.90x 1.23x 0.91x 0.31x 20.77x
2010-12-31 0.03x 2.36x 0.91x 0.20x 39.91x
2009-12-31 0.10x 2.59x 0.93x -0.09x -312.77x
2008-12-31 0.03x 3.03x 0.92x 0.11x 65.37x
2007-12-31 0.03x 2.02x 0.94x 0.27x 12.27x
2006-12-31 0.03x 1.62x 0.93x 0.45x 7.77x
2005-12-31 0.03x 1.20x 0.93x 0.85x 4.51x
2004-12-31 0.03x 1.10x 0.93x 1.20x 4.17x
2003-12-31 0.03x 0.63x 0.93x 1.04x 2.36x
2002-12-31 0.04x 0.80x 0.94x 0.68x 3.10x
2001-12-31 0.06x 0.52x 0.93x 0.14x 4.47x
2000-12-31 0.05x 0.61x 0.94x -0.31x -3.76x
1999-12-31 0.05x 0.00x 0.95x -0.46x 0.00x
1998-12-31 0.15x 0.00x 0.90x 0.47x 0.00x
1997-12-31 0.18x 0.00x 0.91x 0.52x 0.00x
1996-12-31 0.22x 0.00x 0.90x 0.33x 0.00x

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