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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 0.14
UNTY's Cash-to-Debt is ranked lower than
90% of the 1656 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.12 vs. UNTY: 0.14 )
Ranked among companies with meaningful Cash-to-Debt only.
UNTY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.56 Max: No Debt
Current: 0.14
Equity-to-Asset 0.09
UNTY's Equity-to-Asset is ranked lower than
63% of the 1629 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 2.15
UNTY's Interest Coverage is ranked higher than
57% of the 1583 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. UNTY: 2.15 )
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: 2.15
0.11
2.33
Beneish M-Score: -2.37
WACC vs ROIC
4.91%
6.25%
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 : 6/10

vs
industry
vs
history
Operating Margin % 38.88
UNTY's Operating Margin % is ranked higher than
67% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.61 vs. UNTY: 38.88 )
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: 38.88
-6.6
41.5
Net Margin % 25.07
UNTY's Net Margin % is ranked higher than
57% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.71 vs. UNTY: 25.07 )
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: 25.07
-3.61
26.78
ROE % 12.95
UNTY's ROE % is ranked higher than
76% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. UNTY: 12.95 )
Ranked among companies with meaningful ROE % only.
UNTY' s ROE % Range Over the Past 10 Years
Min: -3.8  Med: 4.82 Max: 14.3
Current: 12.95
-3.8
14.3
ROA % 1.05
UNTY's ROA % is ranked higher than
62% of the 1669 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. UNTY: 1.05 )
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: 1.05
-0.12
1.16
3-Year Revenue Growth Rate 9.20
UNTY's 3-Year Revenue Growth Rate is ranked higher than
73% of the 1397 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. UNTY: 9.20 )
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: 2.95 Max: 12.6
Current: 9.2
-2.6
12.6
3-Year EBITDA Growth Rate 28.60
UNTY's 3-Year EBITDA Growth Rate is ranked higher than
88% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. UNTY: 28.60 )
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: 28.6
-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
93% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 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.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» UNTY's 30-Y Financials

Financials (Next Earnings Date: 2017-07-25 Est.)


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

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:FFNW, NAS:OSHC, NYSE:MSL, NAS:ESXB, NAS:TCFC, NAS:SBCP, NAS:BCBP, NAS:CFCB, NAS:NWFL, NAS:ACNB, NAS:PEBK, NAS:HBMD, NAS:INBK, NAS:UBFO, NAS:NBN, OTCBB:CZFS, NAS:BOCH, NAS:ASBB, NAS:ORRF, NAS:CUBN » details
Headquarter Location:USA
Unity Bancorp Inc 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 is a bank holding company that serves as a holding company for Unity Bank. It 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 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 a wide range of lending activities and offers commercial, Small Business Administration, consumer, mortgage, home equity and personal loans.

Ratios

vs
industry
vs
history
PE Ratio 13.43
UNTY's PE Ratio is ranked higher than
57% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. UNTY: 13.43 )
Ranked among companies with meaningful PE Ratio only.
UNTY' s PE Ratio Range Over the Past 10 Years
Min: 7.79  Med: 14.72 Max: 347.78
Current: 13.43
7.79
347.78
PE Ratio without NRI 13.43
UNTY's PE Ratio without NRI is ranked higher than
57% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. UNTY: 13.43 )
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: 14.79 Max: 313
Current: 13.43
7.82
313
Price-to-Owner-Earnings 22.50
UNTY's Price-to-Owner-Earnings is ranked lower than
79% of the 904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.22 vs. UNTY: 22.50 )
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: 22.5
5.36
42.88
PB Ratio 1.60
UNTY's PB Ratio is ranked lower than
71% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. UNTY: 1.60 )
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: 2.6
Current: 1.6
0.4
2.6
PS Ratio 3.38
UNTY's PS Ratio is ranked higher than
52% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. UNTY: 3.38 )
Ranked among companies with meaningful PS Ratio only.
UNTY' s PS Ratio Range Over the Past 10 Years
Min: 0.67  Med: 1.75 Max: 7.9
Current: 3.38
0.67
7.9
Price-to-Free-Cash-Flow 28.27
UNTY's Price-to-Free-Cash-Flow is ranked lower than
89% of the 877 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.52 vs. UNTY: 28.27 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
UNTY' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.25  Med: 6.99 Max: 341.25
Current: 28.27
2.25
341.25
Price-to-Operating-Cash-Flow 14.66
UNTY's Price-to-Operating-Cash-Flow is ranked lower than
70% of the 958 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.47 vs. UNTY: 14.66 )
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: 5.99 Max: 36.75
Current: 14.66
2
36.75
EV-to-EBIT 15.20
UNTY's EV-to-EBIT is ranked lower than
60% of the 1267 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. UNTY: 15.20 )
Ranked among companies with meaningful EV-to-EBIT only.
UNTY' s EV-to-EBIT Range Over the Past 10 Years
Min: -30.4  Med: 20.5 Max: 75.1
Current: 15.2
-30.4
75.1
EV-to-EBITDA 14.63
UNTY's EV-to-EBITDA is ranked lower than
63% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.09 vs. UNTY: 14.63 )
Ranked among companies with meaningful EV-to-EBITDA only.
UNTY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -106.3  Med: 17.1 Max: 43.8
Current: 14.63
-106.3
43.8
PEG Ratio 0.45
UNTY's PEG Ratio is ranked higher than
87% of the 852 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 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: 0.33 Max: 11.63
Current: 0.45
0.24
11.63
Shiller PE Ratio 33.76
UNTY's Shiller PE Ratio is ranked lower than
80% of the 509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.59 vs. UNTY: 33.76 )
Ranked among companies with meaningful Shiller PE Ratio only.
UNTY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 11.9  Med: 19.3 Max: 64.27
Current: 33.76
11.9
64.27

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.23
UNTY's Dividend Yield % is ranked lower than
82% of the 2338 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.52 vs. UNTY: 1.23 )
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: 1.23
0.13
5.13
Dividend Payout Ratio 0.15
UNTY's Dividend Payout Ratio is ranked higher than
85% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. UNTY: 0.15 )
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: 0.15
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 802 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 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 % 1.44
UNTY's Forward Dividend Yield % is ranked lower than
81% of the 2218 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.89 vs. UNTY: 1.44 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.23
UNTY's 5-Year Yield-on-Cost % is ranked lower than
86% of the 2673 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.17 vs. UNTY: 1.23 )
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: 1.23
0.13
5.13
3-Year Average Share Buyback Ratio -3.90
UNTY's 3-Year Average Share Buyback Ratio is ranked lower than
60% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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: -1.85 Max: 0.7
Current: -3.9
-11.7
0.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.62
UNTY's Price-to-Tangible-Book is ranked lower than
64% of the 1622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. UNTY: 1.62 )
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: 1.25 Max: 2.49
Current: 1.62
0.45
2.49
Price-to-Intrinsic-Value-Projected-FCF 0.87
UNTY's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
56% of the 914 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. UNTY: 0.87 )
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: 0.27  Med: 0.52 Max: 31.31
Current: 0.87
0.27
31.31
Price-to-Median-PS-Value 1.94
UNTY's Price-to-Median-PS-Value is ranked lower than
91% of the 1559 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. UNTY: 1.94 )
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: 1.13 Max: 4.11
Current: 1.94
0.22
4.11
Price-to-Peter-Lynch-Fair-Value 0.54
UNTY's Price-to-Peter-Lynch-Fair-Value is ranked higher than
86% of the 463 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. UNTY: 0.54 )
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: 0.33  Med: 0.66 Max: 6.17
Current: 0.54
0.33
6.17
Price-to-Graham-Number 0.98
UNTY's Price-to-Graham-Number is ranked lower than
51% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. UNTY: 0.98 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UNTY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.62  Med: 1.07 Max: 3.67
Current: 0.98
0.62
3.67
Earnings Yield (Greenblatt) % 6.58
UNTY's Earnings Yield (Greenblatt) % is ranked higher than
54% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. UNTY: 6.58 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UNTY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -703.8  Med: 4.7 Max: 21.1
Current: 6.58
-703.8
21.1
Forward Rate of Return (Yacktman) % 30.47
UNTY's Forward Rate of Return (Yacktman) % is ranked higher than
82% of the 952 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.26 vs. UNTY: 30.47 )
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: -9.6  Med: 9.8 Max: 55.8
Current: 30.47
-9.6
55.8

More Statistics

Revenue (TTM) (Mil) $48.65
EPS (TTM) $ 1.24
Beta0.47
Short Percentage of Float0.41%
52-Week Range $11.09 - 18.00
Shares Outstanding (Mil)10.53
» More Articles for UNTY

Headlines

Articles On GuruFocus.com
Unity Bank President & CEO James A. Hughes Elected New Jersey Delegate to the Independent Community Jun 05 2017 
Unity Bank Ranked 27th Nationally on American Banker magazine’s Top 200 List of Publicly Tra Jun 01 2017 
Unity Bank Named One of the Best Places to Work in New Jersey May 22 2017 
Unity Bancorp Declares 20% Increase in Cash Dividend Apr 28 2017 
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. : UNTY-US: Dividend Analysis : June 15th, 2017 (record date) : By the numbers :... Jun 14 2017
ETFs with exposure to Unity Bancorp, Inc. : June 8, 2017 Jun 08 2017
Unity Bank President & CEO James A. Hughes Elected New Jersey Delegate to the Independent Community... Jun 05 2017
Unity Bancorp, Inc. :UNTY-US: Earnings Analysis: Q1, 2017 By the Numbers : June 5, 2017 Jun 05 2017
Unity Bank Ranked 27th Nationally on American Banker magazine’s Top 200 List of Publicly Traded... Jun 01 2017
Unity Bank Named One of the Best Places to Work in New Jersey May 22 2017
Unity Bancorp Declares 20% Increase in Cash Dividend Apr 28 2017
Unity Bancorp posts 1Q profit Apr 24 2017
Unity Bancorp Reports 16.8% Increase in Net Income, Excluding Nonrecurring Gain Apr 24 2017
Unity Bancorp, Inc. : UNTY-US: Dividend Analysis : March 17th, 2017 (record date) : By the numbers :... Apr 06 2017
ETFs with exposure to Unity Bancorp, Inc. : February 2, 2017 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.: Leads amongst peers with strong fundamentals Dec 19 2016
ETFs with exposure to Unity Bancorp, Inc. : December 13, 2016 Dec 13 2016

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