Unity BancorpFRA:UTB +0.96%76 EV-to-FCF is 15.72 as of Jun. 29, 2026, which is 14% above its 10-year median of 13.73. GuruFocus rates FRA:UTB with a GF Score™ of 76/100 and a GF Value™ of €46.38 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,196 Banks companies, Unity Bancorp ranks worse than 76.76% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Unity Bancorp's Enterprise Value is €549.9 Mil.
Unity Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €35.0 Mil. Therefore, Unity Bancorp's EV-to-FCF for today is 15.72.
The historical rank and industry rank for Unity Bancorp's EV-to-FCF or its related term are showing as below:
FRA:UTB'
s EV-to-FCF Range Over the Past 10 Years
Min: -329.85 Med: 13.73 Max: 716.61
Current: 15.15
During the past 13 years, the highest EV-to-FCF of Unity Bancorp was 716.61. The lowest was -329.85. And the median was 13.73.
FRA:UTB's EV-to-FCF is ranked worse than 76.76% of 1196
companies
in the Banks industry
Industry Median: 6.555
vs FRA:UTB: 15.15
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Unity Bancorp's PE Ratio (TTM) for today is calculated as:
Unity Bancorp's share price for today is €52.50.
Unity Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €5.106.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Unity Bancorp EV-to-FCF Related Terms
Unity Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Unity Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, Unity Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Unity Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Unity Bancorp's EV-to-FCF falls into.
Unity Bancorp's current Enterprise Value is €549.9 Mil.
Unity Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €35.0 Mil.
* 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 (FRA:UTB) has a EV-to-FCF of 15.72 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Unity Bancorp and its competitors. This is 14% above median its historical median of 13.73. According to the industry distribution chart, Unity Bancorp ranks #918 out of 1196 companies in the Banks industry, placing it in the top 76.8%.
Is Unity Bancorp's EV-to-FCF too high?
Unity Bancorp's current EV-to-FCF of 15.72 is 14% above median its 10-year median of 13.73. The Banks industry median EV-to-FCF is 6.56. Unity Bancorp's value of 15.72 is 139.8% above this industry median. Based on the distribution chart, Unity Bancorp ranks #918 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Unity Bancorp has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unity Bancorp's EV-to-FCF compare to CIVB and RRBI?
According to the Banks industry distribution chart, Unity Bancorp ranks #918 out of 1196 companies for EV-to-FCF. This places Unity Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.56. Unity Bancorp's value of 15.72 is 139.8% above this benchmark. While the company's 10-year median is 13.73 vs. the industry median of 6.56, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unity Bancorp's current EV-to-FCF of 15.72 is 139.8% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Unity Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unity Bancorp's current EV-to-FCF is 15.72, which is 14% above median its own 10-year median of 13.73. 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 €46.38, compared to a current price of €52.50 — trading 13.2% above its estimated fair value. The current EV-to-FCF is 15.72, which is 14% above median its 10-year median of 13.73 and 139.8% above the Banks industry median of 6.56. Unity Bancorp's overall GF Score™ is 76/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Unity Bancorp (FRA:UTB), the current EV-to-FCF is 15.72 as of Jun. 29, 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 €52.50 is trading 13.2% above its estimated GF Value™ of €46.38.
GuruFocus considers Unity Bancorp to be Modestly Overvalued.
Key valuation signals for FRA:UTB:
EV-to-FCF: 15.72 (14% above median its 10-year median of 13.73)
GF Value™: €46.38 vs. price of €52.50 (13.2% above fair value)
Industry Position: 139.8% above the Banks median (#918 of 1196)
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 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.
76GF Score
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