Unity Bancorp (FRA:UTB) Ending Cash Position: €198.2 Mil (As of Mar. 2026)

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FRA:UTB Unity Bancorp Inc FRA:UTB
83 GF Score
Price €51.00
GF Value €45.97
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Unity Bancorp Ending Cash Position?

Unity Bancorp FRA:UTB +3.66% 83 Ending Cash Position is €198.2 Mil as of Mar. 2026. GuruFocus rates FRA:UTB with a GF Score™ of 83/100 and a GF Value™ of €45.97 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Unity Bancorp's Ending Cash Position for the quarter that ended in Mar. 2026 was €198.2 Mil.

Unity Bancorp's quarterly Ending Cash Position increased from Sep. 2025 (€173.4 Mil) to Dec. 2025 (€184.9 Mil) and increased from Dec. 2025 (€184.9 Mil) to Mar. 2026 (€198.2 Mil).

Unity Bancorp's annual Ending Cash Position declined from Dec. 2023 (€178.6 Mil) to Dec. 2024 (€172.3 Mil) but then increased from Dec. 2024 (€172.3 Mil) to Dec. 2025 (€184.9 Mil).

Unity Bancorp Ending Cash Position Related Terms

Unity Bancorp Ending Cash Position Historical Data

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The historical data trend for Unity Bancorp's Ending Cash Position 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 Ending Cash Position Chart

Unity Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Ending Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 216.66 108.37 178.61 172.32 184.91

Unity Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Ending Cash Position 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 254.67 173.37 184.91 198.22 0.00
FRA:UTB
83GF Score
Unity Bancorp Inc FRA:UTB
Ending Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
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Unity Bancorp Ending Cash Position Calculation

Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. It is equal to the Beginning Cash Position plus the Net Change in Cash.

Unity Bancorp's Ending Cash Position for the fiscal year that ended in Dec. 2025 is calculated as

Ending Cash Position= Beginning Cash Position+Net Change in Cash
=154.094+30.813
=184.9

Unity Bancorp's Ending Cash Position for the quarter that ended in Mar. 2026 is calculated as

Ending Cash Position=Beginning Cash Position+Net Change in Cash
=187.288+10.935
=198.2

Frequently Asked Questions Learn more about Ending Cash Position →
What does a Ending Cash Position of €198.2 Mil mean?
Unity Bancorp (FRA:UTB) has a Ending Cash Position of €198.2 Mil as of Mar. 2026. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Unity Bancorp and its competitors.
Is Unity Bancorp's Ending Cash Position too high?
Unity Bancorp's current Ending Cash Position is €198.2 Mil. Overall, Unity Bancorp has a GF Score™ of 83/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unity Bancorp's Ending Cash Position compare to SFST and BWB?
Unity Bancorp's Ending Cash Position of €198.2 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 Ending Cash Position for a Banks company?
A good Ending Cash Position depends on the Banks industry context. However, Ending Cash Position 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 Ending Cash Position mean?
A high Ending Cash Position can signal that a stock is expensive relative to its fundamentals. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Unity Bancorp and its competitors. Unity Bancorp's current Ending Cash Position is €198.2 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 (FRA:UTB) is currently considered Modestly Overvalued. The stock's GF Value™ is €45.97, compared to a current price of €51.00 — trading 10.9% above its estimated fair value. The current Ending Cash Position is €198.2 Mil. Unity Bancorp's overall GF Score™ is 83/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Ending Cash Position calculated?
Ending Cash Position is calculated from a company's financial statements. For Unity Bancorp (FRA:UTB), the current Ending Cash Position is €198.2 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 (FRA:UTB) Overvalued in 2026?

Based on GuruFocus' analysis, Unity Bancorp stock appears to be overvalued. The current stock price of €51.00 is trading 10.9% above its estimated GF Value™ of €45.97. GuruFocus considers Unity Bancorp to be Modestly Overvalued.

Key valuation signals for FRA:UTB:

  • Ending Cash Position: €198.2 Mil
  • GF Value™: €45.97 vs. price of €51.00 (10.9% above fair value)
  • GF Score™: 83/100 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.
83GF Score

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Ending Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€51.00
Price
€45.97
GF Value