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FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Unity Bancorp's Free Cash Flow for the
three
months ended in Jun. 2026 was $-38.8 Mil. Unity Bancorp's Revenue for the
three
months ended in Jun. 2026 was $33.4 Mil. Therefore, Unity Bancorp's FCF Margin % for the quarter that ended in Jun. 2026 was -116.46%.
The historical data trend for Unity Bancorp's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Unity Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Unity Bancorp's FCF Margin % falls into.
* 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 FCF Margin % of -116.46% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Unity Bancorp and its competitors. According to the industry distribution chart, Unity Bancorp ranks #886 out of 1504 companies in the Banks industry, placing it in the top 58.9%.
Is Unity Bancorp's FCF Margin % too high?
Unity Bancorp's current FCF Margin % is -116.46%. Based on the distribution chart, Unity Bancorp ranks #886 out of 1504 companies in the Banks industry, which is below the industry midpoint. Overall, Unity Bancorp has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unity Bancorp's FCF Margin % compare to SFST and BWB?
According to the Banks industry distribution chart, Unity Bancorp ranks #886 out of 1504 companies for FCF Margin %. This places Unity Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.49. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.49, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Unity Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unity Bancorp's current FCF Margin % is -116.46%. 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 $54.02, compared to a current price of $60.69 — trading 12.3% above its estimated fair value. The current FCF Margin % is -116.46%. Unity Bancorp's overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Unity Bancorp (UNTY), the current FCF Margin % is -116.46% 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 $60.69 is trading 12.3% above its estimated GF Value™ of $54.02.
GuruFocus considers Unity Bancorp to be Modestly Overvalued.
Key valuation signals for UNTY:
FCF Margin %: -116.46%
GF Value™: $54.02 vs. price of $60.69 (12.3% above fair value)
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.
73GF Score
Get the complete analysis for UNTY
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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