UNTY (Unity Bancorp) Net Loan: $2,568.3 Mil (As of Mar. 2026)


UNTY Unity Bancorp Inc UNTY
81 GF Score
Price $55.34
GF Value $52.37
Valuation Fairly Valued
! 5 Warning Signs
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What is Unity Bancorp Net Loan?

Unity Bancorp UNTY -2.17% 81 Net Loan is $2,568.3 Mil as of Mar. 2026. GuruFocus rates UNTY with a GF Score™ of 81/100 and a GF Value™ of $52.37 (Fairly Valued). The stock has 5 warning signs investors should review.

Unity Bancorp's quarterly net loan increased from Sep. 2025 ($2,438.3 Mil) to Dec. 2025 ($2,512.4 Mil) and increased from Dec. 2025 ($2,512.4 Mil) to Mar. 2026 ($2,568.3 Mil).

Unity Bancorp's annual net loan increased from Dec. 2023 ($2,146.2 Mil) to Dec. 2024 ($2,512.4 Mil) and increased from Dec. 2024 ($2,512.4 Mil) to Dec. 2025 ($2,568.3 Mil).

Unity Bancorp Net Loan Historical Data

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The historical data trend for Unity Bancorp's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Unity Bancorp Net Loan Chart

Unity Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,627.15 2,081.36 2,146.21 2,233.87 2,512.37

Unity Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2,317.48 2,353.58 2,438.28 2,512.37 2,568.30
UNTY
81GF Score
Unity Bancorp Inc UNTY
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Unity Bancorp Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $2,568.3 Mil mean?
Unity Bancorp (UNTY) has a Net Loan of $2,568.3 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Unity Bancorp and its competitors.
Is Unity Bancorp's Net Loan too high?
Unity Bancorp's current Net Loan is $2,568.3 Mil. 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 Net Loan compare to CIVB and RRBI?
Unity Bancorp's Net Loan of $2,568.3 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Unity Bancorp and its competitors. Unity Bancorp's current Net Loan is $2,568.3 Mil. 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 $52.37, compared to a current price of $55.34 — trading 5.7% above its estimated fair value. The current Net Loan is $2,568.3 Mil. 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 Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Unity Bancorp (UNTY), the current Net Loan is $2,568.3 Mil as of Mar. 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 $55.34 is trading 5.7% above its estimated GF Value™ of $52.37. GuruFocus considers Unity Bancorp to be Fairly Valued.

Key valuation signals for UNTY:

  • Net Loan: $2,568.3 Mil
  • GF Value™: $52.37 vs. price of $55.34 (5.7% above fair value)
  • GF Score™: 81/100 with 5 warning signs

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 Business Description

Other Exchanges UTB:Germany
Address 64 Old Highway 22, Clinton, NJ, USA, 08809
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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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$55.34
Price
$52.37
GF Value