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Unity BancorpUNTY -0.56%81 Cash-to-Debt is 0.77 as of Jun. 2026, which is 353% above its 10-year median of 0.17. 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 1,486 Banks companies, Unity Bancorp ranks worse than 65.48% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Unity Bancorp's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.77.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Unity Bancorpcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Unity Bancorp's Cash-to-Debt or its related term are showing as below:
UNTY'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07 Med: 0.17 Max: 4.4
Current: 0.77
During the past 13 years, Unity Bancorp's highest Cash to Debt Ratio was 4.40. The lowest was 0.07. And the median was 0.17.
UNTY's Cash-to-Debt is ranked worse than 65.48% of 1486
companies
in the Banks industry
Industry Median: 1.4
vs UNTY: 0.77
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Unity Bancorp Cash-to-Debt Related Terms
Unity Bancorp Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Unity Bancorp's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Unity Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Unity Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Unity Bancorp's Cash-to-Debt falls into.
* 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 (UNTY) has a Cash-to-Debt of 0.77 as of Jun. 2026. This is 353% above median its historical median of 0.17. Over the past decade, Unity Bancorp's Cash-to-Debt has ranged from 0.07 to 4.40. According to the industry distribution chart, Unity Bancorp ranks #973 out of 1486 companies in the Banks industry, placing it in the top 65.5%.
Is Unity Bancorp's Cash-to-Debt too high?
Unity Bancorp's current Cash-to-Debt of 0.77 is 353% above median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 4.40. The Banks industry median Cash-to-Debt is 1.40. Unity Bancorp's value of 0.77 is 45% below this industry median. Based on the distribution chart, Unity Bancorp ranks #973 out of 1486 companies in the Banks industry, which is below the industry midpoint. 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 Cash-to-Debt compare to SFST and NPB?
According to the Banks industry distribution chart, Unity Bancorp ranks #973 out of 1486 companies for Cash-to-Debt. This places Unity Bancorp in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Unity Bancorp's value of 0.77 is 45% below this benchmark. Historically, Unity Bancorp's own Cash-to-Debt has ranged from 0.07 to 4.40 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 1.40, Unity Bancorp has consistently been below 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,486 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unity Bancorp's current Cash-to-Debt of 0.77 is 45% below 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unity Bancorp's current Cash-to-Debt is 0.77, which is 353% above median its own 10-year median of 0.17. 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 $57.74 — trading 6.8% above its estimated fair value. The current Cash-to-Debt is 0.77, which is 353% above median its 10-year median of 0.17 and 45% below the Banks industry median of 1.40. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Unity Bancorp (UNTY), the current Cash-to-Debt is 0.77 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 $57.74 is trading 6.8% above its estimated GF Value™ of $54.06.
GuruFocus considers Unity Bancorp to be Fairly Valued.
Key valuation signals for UNTY:
Cash-to-Debt: 0.77 (353% above median its 10-year median of 0.17)
GF Value™: $54.06 vs. price of $57.74 (6.8% above fair value)
Industry Position: 45% below the Banks median (#973 of 1486)
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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