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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 0.17
UNTY's Cash-to-Debt is ranked lower than
90% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. UNTY: 0.17 )
Ranked among companies with meaningful Cash-to-Debt only.
UNTY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.42 Max: 108.67
Current: 0.17
0.14
108.67
Equity-to-Asset 0.09
UNTY's Equity-to-Asset is ranked lower than
63% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. UNTY: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
UNTY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.07 Max: 0.1
Current: 0.09
0.05
0.1
Interest Coverage 2.33
UNTY's Interest Coverage is ranked higher than
60% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. UNTY: 2.33 )
Ranked among companies with meaningful Interest Coverage only.
UNTY' s Interest Coverage Range Over the Past 10 Years
Min: 0.11  Med: 0.83 Max: 2.33
Current: 2.33
0.11
2.33
Piotroski F-Score: 4
Beneish M-Score: -2.28
WACC vs ROIC
5.33%
7.19%
WACC
ROIC
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 % 41.50
UNTY's Operating Margin % is ranked higher than
73% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. UNTY: 41.50 )
Ranked among companies with meaningful Operating Margin % only.
UNTY' s Operating Margin % Range Over the Past 10 Years
Min: -6.6  Med: 20.34 Max: 41.5
Current: 41.5
-6.6
41.5
Net Margin % 26.78
UNTY's Net Margin % is ranked higher than
63% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. UNTY: 26.78 )
Ranked among companies with meaningful Net Margin % only.
UNTY' s Net Margin % Range Over the Past 10 Years
Min: -3.61  Med: 13.62 Max: 26.78
Current: 26.78
-3.61
26.78
ROE % 15.00
UNTY's ROE % is ranked higher than
81% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. UNTY: 15.00 )
Ranked among companies with meaningful ROE % only.
UNTY' s ROE % Range Over the Past 10 Years
Min: -3.8  Med: 4.82 Max: 15
Current: 15
-3.8
15
ROA % 1.16
UNTY's ROA % is ranked higher than
68% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. UNTY: 1.16 )
Ranked among companies with meaningful ROA % only.
UNTY' s ROA % Range Over the Past 10 Years
Min: -0.12  Med: 0.56 Max: 1.16
Current: 1.16
-0.12
1.16
3-Year Revenue Growth Rate 7.50
UNTY's 3-Year Revenue Growth Rate is ranked higher than
66% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. UNTY: 7.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UNTY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -2.6  Med: 2.8 Max: 11.8
Current: 7.5
-2.6
11.8
3-Year EBITDA Growth Rate 22.20
UNTY's 3-Year EBITDA Growth Rate is ranked higher than
83% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. UNTY: 22.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UNTY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -33.4  Med: 12.45 Max: 36.4
Current: 22.2
-33.4
36.4
3-Year EPS without NRI Growth Rate 42.00
UNTY's 3-Year EPS without NRI Growth Rate is ranked higher than
92% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. UNTY: 42.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
UNTY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 1.2 Max: 84.1
Current: 42
0
84.1
GuruFocus has detected 5 Warning Signs with Unity Bancorp Inc $UNTY.
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» UNTY's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

UNTY Guru Trades in

Q2 2016

UNTY Guru Trades in Q2 2016

Chuck Royce 24,614 sh (New)
» More
Q3 2016

UNTY Guru Trades in Q3 2016

Jim Simons 17,301 sh (New)
Chuck Royce 199,513 sh (+636.88%)
» More
Q4 2016

UNTY Guru Trades in Q4 2016

Jim Simons 25,601 sh (+47.97%)
Chuck Royce 227,921 sh (+14.24%)
» More
» Details

Insider Trades

Latest Guru Trades with UNTY

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:ACNB, NAS:PMBC, NAS:ESXB, OTCPK:FMAO, OTCPK:FNBG, NAS:CIVB, NAS:HBMD, OTCBB:CZFS, NAS:CUBN, NAS:SMBK, NAS:CFCB, AMEX:EVBN, NAS:UNB, NAS:FGBI, NAS:PVBC, NAS:CHMG, NYSE:MSL, NAS:CFFI, NAS:BCBP, NAS:ORRF » details
Unity Bancorp Inc, 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 & regular savings accounts.

Unity Bancorp Inc was incorporated under the laws of the State of New Jersey. The Company acquired the Bank and became its holding company on December 1, 1994. It is a bank holding company of Unity 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. The Company engages in a wide range of lending activities and offers commercial, Small Business Administration, consumer, mortgage, home equity and personal loans. The Company's primary service area is defined as the neighborhoods served by the Bank's offices. The Company is located in an extremely competitive area. The Company is extensively regulated under both federal and state law, and these laws are subject to change.

Ratios

vs
industry
vs
history
PE Ratio 12.35
UNTY's PE Ratio is ranked higher than
60% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. UNTY: 12.35 )
Ranked among companies with meaningful PE Ratio only.
UNTY' s PE Ratio Range Over the Past 10 Years
Min: 7.84  Med: 15.02 Max: 347.78
Current: 12.35
7.84
347.78
PE Ratio without NRI 12.35
UNTY's PE Ratio without NRI is ranked higher than
61% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. UNTY: 12.35 )
Ranked among companies with meaningful PE Ratio without NRI only.
UNTY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.82  Med: 15.12 Max: 313
Current: 12.35
7.82
313
Price-to-Owner-Earnings 14.61
UNTY's Price-to-Owner-Earnings is ranked higher than
51% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. UNTY: 14.61 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UNTY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.36  Med: 10.46 Max: 42.88
Current: 14.61
5.36
42.88
PB Ratio 1.47
UNTY's PB Ratio is ranked lower than
66% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. UNTY: 1.47 )
Ranked among companies with meaningful PB Ratio only.
UNTY' s PB Ratio Range Over the Past 10 Years
Min: 0.4  Med: 1.03 Max: 2.72
Current: 1.47
0.4
2.72
PS Ratio 3.31
UNTY's PS Ratio is ranked higher than
52% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. UNTY: 3.31 )
Ranked among companies with meaningful PS Ratio only.
UNTY' s PS Ratio Range Over the Past 10 Years
Min: 0.67  Med: 1.77 Max: 8.1
Current: 3.31
0.67
8.1
Price-to-Operating-Cash-Flow 30.52
UNTY's Price-to-Operating-Cash-Flow is ranked lower than
87% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. UNTY: 30.52 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
UNTY' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2  Med: 6.13 Max: 36.75
Current: 30.52
2
36.75
EV-to-EBIT 14.06
UNTY's EV-to-EBIT is ranked lower than
56% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. UNTY: 14.06 )
Ranked among companies with meaningful EV-to-EBIT only.
UNTY' s EV-to-EBIT Range Over the Past 10 Years
Min: -30.4  Med: 21 Max: 75.1
Current: 14.06
-30.4
75.1
EV-to-EBITDA 13.60
UNTY's EV-to-EBITDA is ranked lower than
58% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. UNTY: 13.60 )
Ranked among companies with meaningful EV-to-EBITDA only.
UNTY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -106.3  Med: 17.5 Max: 43.8
Current: 13.6
-106.3
43.8
PEG Ratio 0.45
UNTY's PEG Ratio is ranked higher than
86% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. UNTY: 0.45 )
Ranked among companies with meaningful PEG Ratio only.
UNTY' s PEG Ratio Range Over the Past 10 Years
Min: 0.24  Med: 0.32 Max: 49.51
Current: 0.45
0.24
49.51
Shiller PE Ratio 35.91
UNTY's Shiller PE Ratio is ranked lower than
82% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. UNTY: 35.91 )
Ranked among companies with meaningful Shiller PE Ratio only.
UNTY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 11.9  Med: 17.48 Max: 40.36
Current: 35.91
11.9
40.36

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.99
UNTY's Dividend Yield % is ranked lower than
88% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. UNTY: 0.99 )
Ranked among companies with meaningful Dividend Yield % only.
UNTY' s Dividend Yield % Range Over the Past 10 Years
Min: 0.13  Med: 1.26 Max: 5.13
Current: 0.99
0.13
5.13
Dividend Payout Ratio 0.12
UNTY's Dividend Payout Ratio is ranked higher than
92% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. UNTY: 0.12 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UNTY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.06  Med: 0.12 Max: 0.58
Current: 0.12
0.06
0.58
3-Year Dividend Growth Rate 83.90
UNTY's 3-Year Dividend Growth Rate is ranked higher than
98% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. UNTY: 83.90 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
UNTY' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -100 Max: 97.2
Current: 83.9
0
97.2
Forward Dividend Yield % 1.19
UNTY's Forward Dividend Yield % is ranked lower than
87% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. UNTY: 1.19 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.00
UNTY's 5-Year Yield-on-Cost % is ranked lower than
90% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. UNTY: 1.00 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UNTY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.13  Med: 1.26 Max: 5.13
Current: 1
0.13
5.13
3-Year Average Share Buyback Ratio -3.90
UNTY's 3-Year Average Share Buyback Ratio is ranked lower than
58% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. UNTY: -3.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UNTY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -11.7  Med: -1.8 Max: 0.7
Current: -3.9
-11.7
0.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.52
UNTY's Price-to-Tangible-Book is ranked lower than
61% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. UNTY: 1.52 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UNTY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.45  Med: 1.3 Max: 2.22
Current: 1.52
0.45
2.22
Price-to-Intrinsic-Value-Projected-FCF 0.88
UNTY's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
55% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. UNTY: 0.88 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UNTY' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.36  Med: 0.5 Max: 18.52
Current: 0.88
0.36
18.52
Price-to-Median-PS-Value 1.87
UNTY's Price-to-Median-PS-Value is ranked lower than
90% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. UNTY: 1.87 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UNTY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.22  Med: 1.11 Max: 3.83
Current: 1.87
0.22
3.83
Price-to-Peter-Lynch-Fair-Value 0.49
UNTY's Price-to-Peter-Lynch-Fair-Value is ranked higher than
88% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. UNTY: 0.49 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
UNTY' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.45  Med: 0.79 Max: 1.12
Current: 0.49
0.45
1.12
Price-to-Graham-Number 0.91
UNTY's Price-to-Graham-Number is ranked higher than
53% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. UNTY: 0.91 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UNTY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.63  Med: 1.01 Max: 1.54
Current: 0.91
0.63
1.54
Earnings Yield (Greenblatt) % 7.13
UNTY's Earnings Yield (Greenblatt) % is ranked higher than
58% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. UNTY: 7.13 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UNTY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.3  Med: 4.7 Max: 21.1
Current: 7.13
1.3
21.1
Forward Rate of Return (Yacktman) % 32.26
UNTY's Forward Rate of Return (Yacktman) % is ranked higher than
86% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. UNTY: 32.26 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
UNTY' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -10.2  Med: 7.7 Max: 55.8
Current: 32.26
-10.2
55.8

More Statistics

Revenue (TTM) (Mil) $49.32
EPS (TTM) $ 1.38
Beta0.43
Short Percentage of Float0.69%
52-Week Range $8.75 - 18.00
Shares Outstanding (Mil)10.48
» 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 INC /NJ/ Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in... Feb 24 2017
UNITY BANCORP INC /NJ/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 23 2017
Unity Bancorp Declares Cash Dividend Feb 23 2017
UNITY BANCORP INC /NJ/ Files SEC form 8-K, Change in Directors or Principal Officers Feb 15 2017
ETFs with exposure to Unity Bancorp, Inc. : February 2, 2017 Feb 02 2017
UNITY BANCORP INC /NJ/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Feb 02 2017
Unity Bancorp, Inc. :UNTY-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1, 2017 Feb 01 2017
Unity Bancorp, Inc. : UNTY-US: Dividend Analysis : December 16th, 2016 (record date) : By the... Feb 01 2017
Unity Bancorp, Inc. :UNTY-US: Earnings Analysis: 2016 By the Numbers : January 31, 2017 Jan 31 2017
UNITY BANCORP INC /NJ/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 26 2017
Unity Bancorp posts 4Q profit Jan 26 2017
Unity Bancorp posts 4Q profit Jan 26 2017
Unity Bancorp Reports Quarterly Net Income Increased 20% and Annual Earnings Increased 38% Jan 26 2017
Unity Bancorp, Inc.: Leads amongst peers with strong fundamentals Dec 19 2016
ETFs with exposure to Unity Bancorp, Inc. : December 13, 2016 Dec 13 2016
UNITY BANCORP INC /NJ/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 09 2016
Unity Bancorp Announces Completion of $15.0 Million Common Stock Offering Dec 08 2016
UNITY BANCORP INC /NJ/ Files SEC form 8-K, Entry into a Material Definitive Agreement, Other Events,... Dec 02 2016
Unity Bancorp Declares Cash Dividend Nov 18 2016
UNITY BANCORP INC /NJ/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 18 2016

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