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Unity BancorpUNTY -1.29%81 3-Year Book Growth Rate is 15.30% as of Jun. 2026, which is 46% above its 10-year median of 10.50. GuruFocus rates UNTY with a GF Score™ of 81/100 and a GF Value™ of $54.06 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,491 Banks companies, Unity Bancorp ranks better than 79.81% on this metric.
During the past 12 months, Unity Bancorp's average Book Value per Share Growth Rate was 16.10% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 15.30% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 15.40% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 14.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Unity Bancorp was 16.00% per year. The lowest was -12.50% per year. And the median was 10.50% per year.
Unity Bancorp (NAS:UNTY) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Unity Bancorp 3-Year Book Growth Rate Related Terms
UNTY vs SFST, NPB, GCBC: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Unity Bancorp's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Unity Bancorp 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Unity Bancorp's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Unity Bancorp's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 15.30% mean?
Unity Bancorp (UNTY) has a 3-Year Book Growth Rate of 15.30% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Unity Bancorp and its competitors. This is 46% above median its historical median of 10.50. According to the industry distribution chart, Unity Bancorp ranks #301 out of 1491 companies in the Banks industry, placing it in the top 20.2%.
Is Unity Bancorp's 3-Year Book Growth Rate too high?
Unity Bancorp's current 3-Year Book Growth Rate of 15.30% is 46% above median its 10-year median of 10.50. The Banks industry median 3-Year Book Growth Rate is 8.80. Unity Bancorp's value of 15.30% is 73.9% above this industry median. Based on the distribution chart, Unity Bancorp ranks #301 out of 1491 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Unity Bancorp has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Unity Bancorp's 3-Year Book Growth Rate compare to SFST and NPB?
According to the Banks industry distribution chart, Unity Bancorp ranks #301 out of 1491 companies for 3-Year Book Growth Rate. This places Unity Bancorp in the top 20% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. Unity Bancorp's value of 15.30% is 73.9% above this benchmark. While the company's 10-year median is 10.50 vs. the industry median of 8.80, Unity Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unity Bancorp's current 3-Year Book Growth Rate of 15.30% is 73.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Unity Bancorp and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unity Bancorp's current 3-Year Book Growth Rate is 15.30%, which is 46% above median its own 10-year median of 10.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unity Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Unity Bancorp (UNTY) is currently considered Fairly Valued. The stock's GF Value™ is $54.06, compared to a current price of $58.13 — trading 7.5% above its estimated fair value. The current 3-Year Book Growth Rate is 15.30%, which is 46% above median its 10-year median of 10.50 and 73.9% above the Banks industry median of 8.80. Unity Bancorp's overall GF Score™ is 81/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Unity Bancorp (UNTY), the current 3-Year Book Growth Rate is 15.30% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Unity Bancorp (UNTY) Overvalued in 2026?
Based on GuruFocus' analysis, Unity Bancorp stock appears to be overvalued.
The current stock price of $58.13 is trading 7.5% above its estimated GF Value™ of $54.06.
GuruFocus considers Unity Bancorp to be Fairly Valued.
Key valuation signals for UNTY:
3-Year Book Growth Rate: 15.30% (46% above median its 10-year median of 10.50)
GF Value™: $54.06 vs. price of $58.13 (7.5% above fair value)
Industry Position: 73.9% above the Banks median (#301 of 1491)
No single metric tells the full story. See the UNTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Unity Bancorp Inc is a bank holding company that serves as a holding company for Unity Bank. The Company has elected to become a financial holding company pursuant to regulations of the Board of Governors of the Federal Reserve System (the FRB). The Company's primary business is ownership and supervision of the Bank. The Company and the Bank derive a majority of their revenue from net interest income (i.e., the difference between the interest received on loans and securities and the interest paid on deposits and borrowings). The Company, through the Bank, conducts a traditional and community-oriented commercial banking business and services, personal and business checking accounts, time deposits, money market accounts, savings accounts, credit cards, automated teller service, and others.
81GF Score
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