Unity Bancorp (FRA:UTB) Cyclically Adjusted Revenue per Share: €8.20 (As of Mar. 2026)


FRA:UTB Unity Bancorp Inc FRA:UTB
81 GF Score
Price €48.40
GF Value €44.78
Valuation Fairly Valued
! 5 Warning Signs
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What is Unity Bancorp Cyclically Adjusted Revenue per Share?

Unity Bancorp FRA:UTB +1.26% 81 Cyclically Adjusted Revenue per Share is €8.20 as of Mar. 2026. GuruFocus rates FRA:UTB with a GF Score™ of 81/100 and a GF Value™ of €44.78 (Fairly Valued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Unity Bancorp's adjusted revenue per share for the three months ended in Mar. 2026 was €2.850. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is €8.20 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Unity Bancorp's average Cyclically Adjusted Revenue Growth Rate was 12.00% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 10.20% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 11.30% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 8.10% 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 Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Unity Bancorp was 12.40% per year. The lowest was 1.40% per year. And the median was 4.05% per year.

As of today (2026-07-11), Unity Bancorp's current stock price is €48.40. Unity Bancorp's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was €8.20. Unity Bancorp's Cyclically Adjusted PS Ratio of today is 5.90.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Unity Bancorp was 6.31. The lowest was 1.95. And the median was 4.16.


Unity Bancorp  (FRA:UTB) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Unity Bancorp's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=48.40/8.20
=5.90

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Unity Bancorp was 6.31. The lowest was 1.95. And the median was 4.16.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Unity Bancorp Cyclically Adjusted Revenue per Share Related Terms


Unity Bancorp Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Unity Bancorp's Cyclically Adjusted Revenue per Share 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 Cyclically Adjusted Revenue per Share Chart

Unity Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.30 6.32 6.73 6.97 7.78

Unity Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share 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 7.50 7.14 7.57 7.78 8.20

FRA:UTB vs CIVB, RRBI, KRNY: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Unity Bancorp's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Unity Bancorp's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Unity Bancorp's Cyclically Adjusted PS Ratio falls into.


FRA:UTB
81GF Score
Unity Bancorp Inc FRA:UTB
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Unity Bancorp Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Unity Bancorp's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.85/330.2130*330.2130
=2.850

Current CPI (Mar. 2026) = 330.2130.

Unity Bancorp Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 1.079 241.018 1.478
201609 1.120 241.428 1.532
201612 1.152 241.432 1.576
201703 1.063 243.801 1.440
201706 1.087 244.955 1.465
201709 1.065 246.819 1.425
201712 1.137 246.524 1.523
201803 1.130 249.554 1.495
201806 1.208 251.989 1.583
201809 1.279 252.439 1.673
201812 1.293 251.233 1.699
201903 1.303 254.202 1.693
201906 1.329 256.143 1.713
201909 1.342 256.759 1.726
201912 1.388 256.974 1.784
202003 1.431 258.115 1.831
202006 1.442 257.797 1.847
202009 1.490 260.280 1.890
202012 1.749 260.474 2.217
202103 1.721 264.877 2.146
202106 1.659 271.696 2.016
202109 1.781 274.310 2.144
202112 1.950 278.802 2.310
202203 1.869 287.504 2.147
202206 2.163 296.311 2.410
202209 2.328 296.808 2.590
202212 2.331 296.797 2.593
202303 2.198 301.836 2.405
202306 2.307 305.109 2.497
202309 2.317 307.789 2.486
202312 2.238 306.746 2.409
202403 2.288 312.332 2.419
202406 2.239 314.175 2.353
202409 2.436 315.301 2.551
202412 2.551 315.605 2.669
202503 2.650 319.799 2.736
202506 3.069 322.561 3.142
202509 2.786 324.800 2.832
202512 2.917 324.054 2.972
202603 2.850 330.213 2.850

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of €8.20 mean?
Unity Bancorp (FRA:UTB) has a Cyclically Adjusted Revenue per Share of €8.20 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Unity Bancorp and its competitors.
Is Unity Bancorp's Cyclically Adjusted Revenue per Share too high?
Unity Bancorp's current Cyclically Adjusted Revenue per Share is €8.20. 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 Cyclically Adjusted Revenue per Share compare to CIVB and RRBI?
Unity Bancorp's Cyclically Adjusted Revenue per Share of €8.20 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 Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share 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 Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Unity Bancorp and its competitors. Unity Bancorp's current Cyclically Adjusted Revenue per Share is €8.20. 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 (FRA:UTB) is currently considered Fairly Valued. The stock's GF Value™ is €44.78, compared to a current price of €48.40 — trading 8.1% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is €8.20. 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 Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Unity Bancorp (FRA:UTB), the current Cyclically Adjusted Revenue per Share is €8.20 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 (FRA:UTB) Overvalued in 2026?

Based on GuruFocus' analysis, Unity Bancorp stock appears to be overvalued. The current stock price of €48.40 is trading 8.1% above its estimated GF Value™ of €44.78. GuruFocus considers Unity Bancorp to be Fairly Valued.

Key valuation signals for FRA:UTB:

  • Cyclically Adjusted Revenue per Share: €8.20
  • GF Value™: €44.78 vs. price of €48.40 (8.1% above fair value)
  • GF Score™: 81/100 with 5 warning signs

No single metric tells the full story. See the FRA:UTB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Unity Bancorp Business Description

Other Exchanges UNTY:USA
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

Get the complete analysis for FRA:UTB

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€48.40
Price
€44.78
GF Value