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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.25
UNTY's Cash to Debt is ranked higher than
56% of the 1266 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. UNTY: 0.25 )
UNTY' s 10-Year Cash to Debt Range
Min: 0.14   Max: No Debt
Current: 0.25

Equity to Asset 0.07
UNTY's Equity to Asset is ranked higher than
57% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. UNTY: 0.07 )
UNTY' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.1
Current: 0.07

0.05
0.1
Interest Coverage 1.18
UNTY's Interest Coverage is ranked higher than
65% of the 1508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. UNTY: 1.18 )
UNTY' s 10-Year Interest Coverage Range
Min: 0.11   Max: 1.2
Current: 1.18

0.11
1.2
F-Score: 6
Z-Score: 0.10
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 22.57
UNTY's Operating margin (%) is ranked higher than
64% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.46 vs. UNTY: 22.57 )
UNTY' s 10-Year Operating margin (%) Range
Min: -34.34   Max: 31.29
Current: 22.57

-34.34
31.29
Net-margin (%) 15.03
UNTY's Net-margin (%) is ranked higher than
62% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. UNTY: 15.03 )
UNTY' s 10-Year Net-margin (%) Range
Min: -30.54   Max: 19.9
Current: 15.03

-30.54
19.9
ROE (%) 8.95
UNTY's ROE (%) is ranked higher than
79% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. UNTY: 8.95 )
UNTY' s 10-Year ROE (%) Range
Min: -27.74   Max: 15.17
Current: 8.95

-27.74
15.17
ROA (%) 0.56
UNTY's ROA (%) is ranked higher than
65% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. UNTY: 0.56 )
UNTY' s 10-Year ROA (%) Range
Min: -1.66   Max: 1.03
Current: 0.56

-1.66
1.03
ROC (Joel Greenblatt) (%) 49.02
UNTY's ROC (Joel Greenblatt) (%) is ranked higher than
67% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. UNTY: 49.02 )
UNTY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -54.08   Max: 121.78
Current: 49.02

-54.08
121.78
Revenue Growth (%) -2.50
UNTY's Revenue Growth (%) is ranked higher than
65% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. UNTY: -2.50 )
UNTY' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 13.6
Current: -2.5

0
13.6
EBITDA Growth (%) 27.10
UNTY's EBITDA Growth (%) is ranked higher than
91% of the 1307 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. UNTY: 27.10 )
UNTY' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 36.4
Current: 27.1

0
36.4
EPS Growth (%) 74.40
UNTY's EPS Growth (%) is ranked higher than
97% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. UNTY: 74.40 )
UNTY' s 10-Year EPS Growth (%) Range
Min: 0   Max: 74.4
Current: 74.4

0
74.4
» UNTY's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 13.10
UNTY's P/E(ttm) is ranked higher than
80% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. UNTY: 13.10 )
UNTY' s 10-Year P/E(ttm) Range
Min: 10.27   Max: 362.63
Current: 13.1

10.27
362.63
P/B 1.13
UNTY's P/B is ranked higher than
70% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. UNTY: 1.13 )
UNTY' s 10-Year P/B Range
Min: 0.4   Max: 2.84
Current: 1.13

0.4
2.84
P/S 1.99
UNTY's P/S is ranked higher than
82% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.11 vs. UNTY: 1.99 )
UNTY' s 10-Year P/S Range
Min: 0.67   Max: 8.22
Current: 1.99

0.67
8.22
PFCF 6.95
UNTY's PFCF is ranked higher than
87% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 109.09 vs. UNTY: 6.95 )
UNTY' s 10-Year PFCF Range
Min: 2.25   Max: 66.96
Current: 6.95

2.25
66.96
EV-to-EBIT 20.95
UNTY's EV-to-EBIT is ranked higher than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.74 vs. UNTY: 20.95 )
UNTY' s 10-Year EV-to-EBIT Range
Min: 6.5   Max: 75.1
Current: 20.95

6.5
75.1
Shiller P/E 52.73
UNTY's Shiller P/E is ranked higher than
62% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.55 vs. UNTY: 52.73 )
UNTY' s 10-Year Shiller P/E Range
Min: 4.17   Max: 1316.5
Current: 52.73

4.17
1316.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.67
UNTY's Dividend Yield is ranked lower than
90% of the 1413 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.42 vs. UNTY: 0.67 )
UNTY' s 10-Year Dividend Yield Range
Min: 0.13   Max: 5.2
Current: 0.67

0.13
5.2
Dividend Payout 0.09
UNTY's Dividend Payout is ranked higher than
96% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.48 vs. UNTY: 0.09 )
UNTY' s 10-Year Dividend Payout Range
Min: 0.06   Max: 0.46
Current: 0.09

0.06
0.46
Yield on cost (5-Year) 0.70
UNTY's Yield on cost (5-Year) is ranked lower than
86% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. UNTY: 0.70 )
UNTY' s 10-Year Yield on cost (5-Year) Range
Min: 0.13   Max: 5.2
Current: 0.7

0.13
5.2
Share Buyback Rate -1.60
UNTY's Share Buyback Rate is ranked higher than
73% of the 1240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. UNTY: -1.60 )
UNTY' s 10-Year Share Buyback Rate Range
Min: 2.2   Max: -14.2
Current: -1.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.16
UNTY's Price/Tangible Book is ranked higher than
79% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. UNTY: 1.16 )
UNTY' s 10-Year Price/Tangible Book Range
Min: 0.45   Max: 2.61
Current: 1.16

0.45
2.61
Price/DCF (Projected) 0.49
UNTY's Price/DCF (Projected) is ranked higher than
88% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. UNTY: 0.49 )
UNTY' s 10-Year Price/DCF (Projected) Range
Min: 0.27   Max: 16.86
Current: 0.49

0.27
16.86
Price/Median PS Value 1.13
UNTY's Price/Median PS Value is ranked higher than
74% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. UNTY: 1.13 )
UNTY' s 10-Year Price/Median PS Value Range
Min: 0.22   Max: 4.1
Current: 1.13

0.22
4.1
Price/Graham Number 0.81
UNTY's Price/Graham Number is ranked higher than
84% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UNTY: 0.81 )
UNTY' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 1.64
Current: 0.81

0.5
1.64
Earnings Yield (Greenblatt) 4.80
UNTY's Earnings Yield (Greenblatt) is ranked higher than
59% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. UNTY: 4.80 )
UNTY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 15.4
Current: 4.8

1.3
15.4
Forward Rate of Return (Yacktman) 7.62
UNTY's Forward Rate of Return (Yacktman) is ranked higher than
62% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. UNTY: 7.62 )
UNTY' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -7.4   Max: 11.4
Current: 7.62

-7.4
11.4

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Unity Bancorp, Inc. is a New Jersey corporation; it's a bank holding company. The Bank is a full-service commercial bank, an array of business and consumer financial services through its main office in Clinton, New Jersey and thirteen New Jersey branches located in Clinton, Edison, Flemington, Highland Park, Linden, Middlesex, North Plainfield, Phillipsburg, Scotch Plains, South Plainfield, Union, Washington and Whitehouse. The Company's main business is ownership and supervision of the Bank. The Company, through the Bank, conducts a traditional and community-oriented commercial banking business and offers services, including personal and business checking accounts, time deposits, money market accounts and regular savings accounts. It structures its specific services and charges in a manner designed to attract the business of the small and medium sized business and professional community, as well as that of individuals residing, working and shopping in its service area. The Company engages in an array of lending activities and offers commercial, Small Business Administration (SBA), consumer, mortgage, home equity and personal loans. Its competitors include regional banks, large thrift institutions and a variety of credit unions. The Bank is subject to regulation, supervision and control of the FDIC, an agency of the federal government.
» More Articles for UNTY

Headlines

Articles On GuruFocus.com
Unity Bancorp Inc. (unty) Chairman of the Board David D Dallas buys 1,534 Shares Jun 03 2009 

More From Other Websites
Unity Bancorp Announces Completion of $6.3 Million Rights Offering; Offering Oversubscribed Aug 28 2014
UNITY BANCORP INC /NJ/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 28 2014
Unity Bancorp Declares Cash Dividend Aug 28 2014
UNITY BANCORP INC /NJ/ Financials Aug 19 2014
UNITY BANCORP INC /NJ/ Files SEC form 10-Q, Quarterly Report Aug 08 2014
UNITY BANCORP INC /NJ/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 07 2014
Unity Bancorp Extends Rights Offering Until August 22, 2014 Aug 07 2014
UNITY BANCORP INC /NJ/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Jul 28 2014
UNITY BANCORP INC /NJ/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 24 2014
Unity Bancorp Reports 73.2% Increase in Quarterly Earnings and 68.2% Increase in Six Month Earnings Jul 24 2014
UNITY BANCORP INC /NJ/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 01 2014
Unity Bancorp Announces Commencement of $6.2 Million Rights Offering Jun 30 2014
UNITY BANCORP INC /NJ/ Files SEC form 8-K, Regulation FD Disclosure Jun 18 2014
Unity Bancorp: A Bank Ripe For The Taking Jun 11 2014
UNITY BANCORP INC /NJ/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 29 2014
Unity Bancorp Declares Cash Dividend May 29 2014
Nasdaq stocks posting largest percentage increases May 20 2014
UNITY BANCORP INC /NJ/ Files SEC form 10-Q, Quarterly Report May 09 2014
UNITY BANCORP INC /NJ/ Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Apr 25 2014
UNITY BANCORP INC /NJ/ Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Apr 24 2014

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