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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.19
NAS:UNTY's Cash to Debt is ranked lower than
88% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. NAS:UNTY: 0.19 )
Ranked among companies with meaningful Cash to Debt only.
NAS:UNTY' s Cash to Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.55 Max: 108.67
Current: 0.19
0.14
108.67
Equity to Asset 0.08
NAS:UNTY's Equity to Asset is ranked lower than
72% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:UNTY: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
NAS:UNTY' s Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.07 Max: 0.1
Current: 0.08
0.05
0.1
Interest Coverage 2.28
NAS:UNTY's Interest Coverage is ranked higher than
58% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. NAS:UNTY: 2.28 )
Ranked among companies with meaningful Interest Coverage only.
NAS:UNTY' s Interest Coverage Range Over the Past 10 Years
Min: 0.11  Med: 0.45 Max: 2.28
Current: 2.28
0.11
2.28
F-Score: 4
M-Score: -2.24
WACC vs ROIC
4.41%
7.36%
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 (%) 40.79
NAS:UNTY's Operating margin (%) is ranked higher than
72% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. NAS:UNTY: 40.79 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:UNTY' s Operating margin (%) Range Over the Past 10 Years
Min: -6.6  Med: 20.34 Max: 40.79
Current: 40.79
-6.6
40.79
Net-margin (%) 26.55
NAS:UNTY's Net-margin (%) is ranked higher than
63% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. NAS:UNTY: 26.55 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:UNTY' s Net-margin (%) Range Over the Past 10 Years
Min: -3.61  Med: 13.62 Max: 26.55
Current: 26.55
-3.61
26.55
ROE (%) 15.48
NAS:UNTY's ROE (%) is ranked higher than
83% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. NAS:UNTY: 15.48 )
Ranked among companies with meaningful ROE (%) only.
NAS:UNTY' s ROE (%) Range Over the Past 10 Years
Min: -3.8  Med: 4.82 Max: 15.48
Current: 15.48
-3.8
15.48
ROA (%) 1.15
NAS:UNTY's ROA (%) is ranked higher than
68% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. NAS:UNTY: 1.15 )
Ranked among companies with meaningful ROA (%) only.
NAS:UNTY' s ROA (%) Range Over the Past 10 Years
Min: -0.12  Med: 0.56 Max: 1.15
Current: 1.15
-0.12
1.15
Revenue Growth (3Y)(%) 3.10
NAS:UNTY's Revenue Growth (3Y)(%) is ranked higher than
50% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. NAS:UNTY: 3.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:UNTY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.6  Med: 2.8 Max: 12.6
Current: 3.1
-2.6
12.6
EBITDA Growth (3Y)(%) 20.30
NAS:UNTY's EBITDA Growth (3Y)(%) is ranked higher than
81% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. NAS:UNTY: 20.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:UNTY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -33.4  Med: 9.2 Max: 36.4
Current: 20.3
-33.4
36.4
EPS Growth (3Y)(%) 48.80
NAS:UNTY's EPS Growth (3Y)(%) is ranked higher than
93% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NAS:UNTY: 48.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:UNTY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -4.3 Max: 84.1
Current: 48.8
0
84.1
» NAS:UNTY's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-01-27)


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

» Details

Guru Trades

UNTY Guru Trades in

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
» 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
Compare:NAS:FBMS, NAS:SBCP, NAS:ISTR, NAS:CIVB, OTCPK:BERK, NAS:CFCB, NAS:FCCY, NAS:ENFC, NAS:EVBS, NYSE:MSL, NAS:TCFC, NAS:PEBK, NAS:CLBH, OTCBB:DCBF, NAS:PKBK, OTCPK:QNBC, NAS:ESXB, OTCPK:FVCB, NAS:BCBP, NAS:NWFL » 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
P/E(ttm) 11.91
UNTY's P/E(ttm) is ranked higher than
67% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. UNTY: 11.91 )
Ranked among companies with meaningful P/E(ttm) only.
UNTY' s P/E(ttm) Range Over the Past 10 Years
Min: 7.84  Med: 15.07 Max: 347.78
Current: 11.91
7.84
347.78
PE(NRI) 11.84
UNTY's PE(NRI) is ranked higher than
68% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. UNTY: 11.84 )
Ranked among companies with meaningful PE(NRI) only.
UNTY' s PE(NRI) Range Over the Past 10 Years
Min: 7.82  Med: 15.22 Max: 313
Current: 11.84
7.82
313
Price/Owner Earnings (ttm) 14.40
UNTY's Price/Owner Earnings (ttm) is ranked higher than
55% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. UNTY: 14.40 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
UNTY' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.36  Med: 10.46 Max: 42.88
Current: 14.4
5.36
42.88
P/B 1.67
UNTY's P/B is ranked lower than
71% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. UNTY: 1.67 )
Ranked among companies with meaningful P/B only.
UNTY' s P/B Range Over the Past 10 Years
Min: 0.4  Med: 1.03 Max: 2.72
Current: 1.67
0.4
2.72
P/S 3.14
UNTY's P/S is ranked higher than
58% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. UNTY: 3.14 )
Ranked among companies with meaningful P/S only.
UNTY' s P/S Range Over the Past 10 Years
Min: 0.67  Med: 1.77 Max: 8.1
Current: 3.14
0.67
8.1
PFCF 396.25
UNTY's PFCF is ranked lower than
99% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. UNTY: 396.25 )
Ranked among companies with meaningful PFCF only.
UNTY' s PFCF Range Over the Past 10 Years
Min: 2.25  Med: 7.13 Max: 400
Current: 396.25
2.25
400
POCF 17.36
UNTY's POCF is ranked lower than
69% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. UNTY: 17.36 )
Ranked among companies with meaningful POCF only.
UNTY' s POCF Range Over the Past 10 Years
Min: 2  Med: 6.13 Max: 48.46
Current: 17.36
2
48.46
EV-to-EBIT 12.80
UNTY's EV-to-EBIT is ranked higher than
51% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. UNTY: 12.80 )
Ranked among companies with meaningful EV-to-EBIT only.
UNTY' s EV-to-EBIT Range Over the Past 10 Years
Min: -30.4  Med: 21.2 Max: 75.1
Current: 12.8
-30.4
75.1
EV-to-EBITDA 12.37
UNTY's EV-to-EBITDA is ranked lower than
52% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. UNTY: 12.37 )
Ranked among companies with meaningful EV-to-EBITDA only.
UNTY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -106.3  Med: 17.7 Max: 43.8
Current: 12.37
-106.3
43.8
PEG 0.43
UNTY's PEG is ranked higher than
87% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. UNTY: 0.43 )
Ranked among companies with meaningful PEG only.
UNTY' s PEG Range Over the Past 10 Years
Min: 0.24  Med: 0.3 Max: 49.51
Current: 0.43
0.24
49.51
Shiller P/E 34.48
UNTY's Shiller P/E is ranked lower than
76% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. UNTY: 34.48 )
Ranked among companies with meaningful Shiller P/E only.
UNTY' s Shiller P/E Range Over the Past 10 Years
Min: 11.9  Med: 17.48 Max: 50.54
Current: 34.48
11.9
50.54

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.98
UNTY's Dividend Yield is ranked lower than
87% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. UNTY: 0.98 )
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: 0.98
0.13
5.13
Dividend Payout 0.12
UNTY's Dividend Payout is ranked higher than
91% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UNTY: 0.12 )
Ranked among companies with meaningful Dividend Payout only.
UNTY' s Dividend Payout Range Over the Past 10 Years
Min: 0.06  Med: 0.18 Max: 0.44
Current: 0.12
0.06
0.44
Forward Dividend Yield 1.26
UNTY's Forward Dividend Yield is ranked lower than
83% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. UNTY: 1.26 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.98
UNTY's Yield on cost (5-Year) is ranked lower than
91% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. UNTY: 0.98 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UNTY' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.13  Med: 1.26 Max: 5.13
Current: 0.98
0.13
5.13
3-Year Average Share Buyback Ratio -3.80
UNTY's 3-Year Average Share Buyback Ratio is ranked lower than
58% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. UNTY: -3.80 )
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: -3.8
-11.7
0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.71
UNTY's Price/Tangible Book is ranked lower than
65% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. UNTY: 1.71 )
Ranked among companies with meaningful Price/Tangible Book only.
UNTY' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.45  Med: 1.21 Max: 2.49
Current: 1.71
0.45
2.49
Price/Projected FCF 0.79
UNTY's Price/Projected FCF is ranked higher than
55% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. UNTY: 0.79 )
Ranked among companies with meaningful Price/Projected FCF only.
UNTY' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.27  Med: 0.52 Max: 31.31
Current: 0.79
0.27
31.31
Price/Median PS Value 1.77
UNTY's Price/Median PS Value is ranked lower than
85% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UNTY: 1.77 )
Ranked among companies with meaningful Price/Median PS Value only.
UNTY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.22  Med: 1.09 Max: 4.06
Current: 1.77
0.22
4.06
Price/Peter Lynch Fair Value 0.47
UNTY's Price/Peter Lynch Fair Value is ranked higher than
92% of the 381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. UNTY: 0.47 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
UNTY' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.33  Med: 0.94 Max: 6.17
Current: 0.47
0.33
6.17
Price/Graham Number 0.95
UNTY's Price/Graham Number is ranked higher than
57% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. UNTY: 0.95 )
Ranked among companies with meaningful Price/Graham Number only.
UNTY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.62  Med: 1.07 Max: 3.67
Current: 0.95
0.62
3.67
Earnings Yield (Greenblatt) (%) 7.82
UNTY's Earnings Yield (Greenblatt) (%) is ranked higher than
63% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. UNTY: 7.82 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UNTY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.3  Med: 4.6 Max: 21.1
Current: 7.82
1.3
21.1
Forward Rate of Return (Yacktman) (%) 36.14
UNTY's Forward Rate of Return (Yacktman) (%) is ranked higher than
87% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. UNTY: 36.14 )
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: -12.6  Med: 6.9 Max: 55.8
Current: 36.14
-12.6
55.8

More Statistics

Revenue (TTM) (Mil) $47.79
EPS (TTM) $ 1.33
Beta0.30
Short Percentage of Float0.14%
52-Week Range $8.75 - 17.10
Shares Outstanding (Mil)9.34
» More Articles for NAS: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
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