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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Unity BancorpUNTY +0.11%81 Equity-to-Asset is 0.12 as of Mar. 2026, which is 20% above its 10-year median of 0.10. GuruFocus rates UNTY with a GF Score™ of 81/100 and a GF Value™ of $52.47 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, Unity Bancorp ranks better than 72.41% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Unity Bancorp's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $358.1 Mil. Unity Bancorp's Total Assets for the quarter that ended in Mar. 2026 was $3,027.3 Mil.
Therefore, Unity Bancorp's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.12.
The historical rank and industry rank for Unity Bancorp's Equity-to-Asset or its related term are showing as below:
UNTY'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08 Med: 0.1 Max: 0.12
Current: 0.12
During the past 13 years, the highest Equity to Asset Ratio of Unity Bancorp was 0.12. The lowest was 0.08. And the median was 0.10.
UNTY's Equity-to-Asset is ranked better than 72.41% of 1526
companies
in the Banks industry
Industry Median: 0.1
vs UNTY: 0.12
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Unity Bancorp Equity-to-Asset Related Terms
Unity Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Unity Bancorp's Equity-to-Asset 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.
UNTY vs SFST, BWB, CBNK: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Unity Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Unity Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Unity Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Unity Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.12 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Unity Bancorp and its competitors. This is 20% above median its historical median of 0.10. Over the past decade, Unity Bancorp's Equity-to-Asset has ranged from 0.08 to 0.12. According to the industry distribution chart, Unity Bancorp ranks #421 out of 1526 companies in the Banks industry, placing it in the top 27.6%.
Is Unity Bancorp's Equity-to-Asset too high?
Unity Bancorp's current Equity-to-Asset of 0.12 is 20% above median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.12. The Banks industry median Equity-to-Asset is 0.10. Unity Bancorp's value of 0.12 is 20% above this industry median. Based on the distribution chart, Unity Bancorp ranks #421 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Unity Bancorp has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unity Bancorp's Equity-to-Asset compare to SFST and BWB?
According to the Banks industry distribution chart, Unity Bancorp ranks #421 out of 1526 companies for Equity-to-Asset. This puts Unity Bancorp in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Unity Bancorp's value of 0.12 is 20% above this benchmark. Historically, Unity Bancorp's own Equity-to-Asset has ranged from 0.08 to 0.12 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unity Bancorp's current Equity-to-Asset of 0.12 is 20% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Unity Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unity Bancorp's current Equity-to-Asset is 0.12, which is 20% above median its own 10-year median of 0.10. 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 Modestly Overvalued. The stock's GF Value™ is $52.47, compared to a current price of $58.21 — trading 10.9% above its estimated fair value. The current Equity-to-Asset is 0.12, which is 20% above median its 10-year median of 0.10 and 20% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Unity Bancorp (UNTY), the current Equity-to-Asset is 0.12 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 $58.21 is trading 10.9% above its estimated GF Value™ of $52.47.
GuruFocus considers Unity Bancorp to be Modestly Overvalued.
Key valuation signals for UNTY:
Equity-to-Asset: 0.12 (20% above median its 10-year median of 0.10)
GF Value™: $52.47 vs. price of $58.21 (10.9% above fair value)
Industry Position: 20% above the Banks median (#421 of 1526)
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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