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Unity BancorpUNTY -0.17%81 3-Year EPS without NRI Growth Rate is 16.50% as of Jun. 2026, which is 16% below its 10-year median of 19.65. GuruFocus rates UNTY with a GF Score™ of 81/100 and a GF Value™ of $53.98 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,412 Banks companies, Unity Bancorp ranks better than 70.18% on this metric.
During the past 12 months, Unity Bancorp's average EPS without NRI Growth Rate was 22.70% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 16.50% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 16.50% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 18.30% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Unity Bancorp was 84.10% per year. The lowest was -315.40% per year. And the median was 19.65% per year.
Unity Bancorp (NAS:UNTY) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Unity Bancorp 3-Year EPS without NRI Growth Rate Related Terms
UNTY vs SFST, BWB, CBNK: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Unity Bancorp's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Unity Bancorp's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Unity Bancorp's 3-Year EPS without NRI Growth Rate falls into.
Unity Bancorp 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 16.50% mean?
Unity Bancorp (UNTY) has a 3-Year EPS without NRI Growth Rate of 16.50% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Unity Bancorp and its competitors. This is 16% below median its historical median of 19.65. According to the industry distribution chart, Unity Bancorp ranks #421 out of 1412 companies in the Banks industry, placing it in the top 29.8%.
Is Unity Bancorp's 3-Year EPS without NRI Growth Rate too high?
Unity Bancorp's current 3-Year EPS without NRI Growth Rate of 16.50% is 16% below median its 10-year median of 19.65. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. Unity Bancorp's value of 16.50% is 120% above this industry median. Based on the distribution chart, Unity Bancorp ranks #421 out of 1412 companies in the Banks industry, which is above 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 3-Year EPS without NRI Growth Rate compare to SFST and BWB?
According to the Banks industry distribution chart, Unity Bancorp ranks #421 out of 1412 companies for 3-Year EPS without NRI Growth Rate. This puts Unity Bancorp in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. Unity Bancorp's value of 16.50% is 120% above this benchmark. While the company's 10-year median is 19.65 vs. the industry median of 7.50, 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 EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,412 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 16.50% is 120% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Unity Bancorp and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unity Bancorp's current 3-Year EPS without NRI Growth Rate is 16.50%, which is 16% below median its own 10-year median of 19.65. 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 $53.98, compared to a current price of $59.34 — trading 9.9% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 16.50%, which is 16% below median its 10-year median of 19.65 and 120% above the Banks industry median of 7.50. Unity Bancorp's overall GF Score™ is 81/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Unity Bancorp (UNTY), the current 3-Year EPS without NRI Growth Rate is 16.50% 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 $59.34 is trading 9.9% above its estimated GF Value™ of $53.98.
GuruFocus considers Unity Bancorp to be Fairly Valued.
Key valuation signals for UNTY:
3-Year EPS without NRI Growth Rate: 16.50% (16% below median its 10-year median of 19.65)
GF Value™: $53.98 vs. price of $59.34 (9.9% above fair value)
Industry Position: 120% above the Banks median (#421 of 1412)
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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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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