Stock Fundamentals

Company Information

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Company Name
Unity Bancorp Inc
Sector
Financial Services
Industry
Banks - Regional
Exchange
NASDAQ
ISIN: US9132901029
CIK: 0000920427
CUSIP: 913290102
Currency: USD
Full Time Employees: 242
Phone: 908 730 7630
Website: https://www.unitybank.com
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, and retirement 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 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

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Name Title Year Born
Mr. David D. Dallas Founder & Chairman of the Board 1955
Mr. James A. Hughes CPA CEO & Director 1959
Mr. George Allen Boyan III, J.D. President & Director 1982
Mr. Robert H. Dallas II Founder & 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

Institutional Holders

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Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 506.69K Sep 30, 2025 5.08% $0.00 -5.74%
Dimensional Fund Advisors, Inc. 451.74K Dec 31, 2025 4.53% $0.00 -1.09%
Vanguard Group Inc 427.55K Dec 31, 2025 4.28% $0.00 3.46%
Banc Funds Co LLC 375.47K Dec 31, 2025 3.76% $3.84 -14.90%
AllianceBernstein L.P. 357.31K Sep 30, 2025 3.58% $0.01 2.44%
Wellington Management Company LLP 239.24K Dec 31, 2025 2.40% $0.00 -3.81%
American Century Companies Inc 205.42K Dec 31, 2025 2.06% $0.01 9.21%
Geode Capital Management, LLC 168.06K Sep 30, 2025 1.68% $0.00 2.36%
Maltese Capital Management LLC 159.00K Dec 31, 2025 1.59% $1.46 2.38%
Pacific Ridge Capital Partners, LLC 149.67K Dec 31, 2025 1.50% $1.70 -2.89%
JPMorgan Chase & Co 130.95K Sep 30, 2025 1.31% $0.00 162.70%
Royce & Associates, LP 129.37K Dec 31, 2025 1.30% $0.07 -17.86%
State Street Corp 127.82K Sep 30, 2025 1.28% $0.00 4.55%
Morgan Stanley - Brokerage Accounts 112.71K Sep 30, 2025 1.13% $0.00 23.59%
Acadian Asset Management LLC 95.81K Sep 30, 2025 0.96% $0.01 25,047.24%
Bridgeway Capital Management, LLC 81.70K Dec 31, 2025 0.82% $0.09 -9.41%
Kennedy Capital Management Inc 78.74K Dec 31, 2025 0.79% $0.09 32.85%
Northern Trust Corp 77.29K Sep 30, 2025 0.77% $0.00 -0.01%
Amvescap Plc. 63.78K Sep 30, 2025 0.64% $0.00 -5.24%
BB&T Corp. 52.69K Sep 30, 2025 0.53% $0.00 4.18%

Shares Statistics

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Shares Outstanding: 9.98M
Shares Float: 7.25M
% Insiders: 2,872.10%
% Institutions: 5,525.60%
Short % Float: 1.12%

🏆 Top 10 Institutional Holders

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Rank Holder Name Shares Held % of Shares Change Date Reported
1 BlackRock Inc 506.69K 5.08% ▼ 5.74% Sep 30, 2025
2 Dimensional Fund Advisors, Inc. 451.74K 4.53% ▼ 1.09% Dec 31, 2025
3 Vanguard Group Inc 427.55K 4.28% ▲ 3.46% Dec 31, 2025
4 Banc Funds Co LLC 375.47K 3.76% ▼ 14.90% Dec 31, 2025
5 AllianceBernstein L.P. 357.31K 3.58% ▲ 2.44% Sep 30, 2025
6 Wellington Management Company LLP 239.24K 2.40% ▼ 3.81% Dec 31, 2025
7 American Century Companies Inc 205.42K 2.06% ▲ 9.21% Dec 31, 2025
8 Geode Capital Management, LLC 168.06K 1.68% ▲ 2.36% Sep 30, 2025
9 Maltese Capital Management LLC 159.00K 1.59% ▲ 2.38% Dec 31, 2025
10 Pacific Ridge Capital Partners, LLC 149.67K 1.50% ▼ 2.89% Dec 31, 2025

Valuation Metrics

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Enterprise Value: $580.51M
Trailing P/E: 9.38
Forward P/E: 8.39

Financial Highlights

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Market Cap: $534.00M
P/E Ratio: $9.38
PEG Ratio: $0.00
Book Value: $34.63
Dividend/Share: $0.58
Dividend Yield: 1.09%
Earnings/Share: $5.67
Profit Margin: 45.32%
Operating Margin: 60.57%
ROA (TTM): 2.06%
ROE (TTM): 18.08%
Revenue (TTM): $127.87M
Revenue/Share (TTM): $12.75
Earnings Growth (YOY): 35.40%
Revenue Growth (YOY): 21.80%

Stock Price History

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1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

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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

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Financial Ratios (Yearly)

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Financial Ratios (Quarterly)

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Earnings History

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Balance Sheet (Yearly)

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Financial Ratios

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Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 0.16x 0.00x 0.88x 1.33x 0.00x
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

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
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
Apr 24, 2025 Donald E Jr. Souders N/A Sale 1.33K $41.23 $54.96K

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