Unity BancorpUNTY +2.76%69 FCF Margin % is 43.14% as of Mar. 2026, which is 11% above its 10-year median of 38.86. GuruFocus rates UNTY with a GF Score™ of 69/100 and a GF Value™ of $52.43 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,505 Banks companies, Unity Bancorp ranks better than 56.28% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Unity Bancorp's Free Cash Flow for the
three
months ended in Mar. 2026 was $14.5 Mil. Unity Bancorp's Revenue for the
three
months ended in Mar. 2026 was $33.6 Mil. Therefore, Unity Bancorp's FCF Margin % for the quarter that ended in Mar. 2026 was 43.14%.
The historical rank and industry rank for Unity Bancorp's FCF Margin % or its related term are showing as below:
UNTY'
s FCF Margin % Range Over the Past 10 Years
Min: -1.74 Med: 38.86 Max: 58.93
Current: 29.89
During the past 13 years, the highest FCF Margin % of Unity Bancorp was 58.93%. The lowest was -1.74%. And the median was 38.86%.
UNTY's FCF Margin % is ranked better than 56.28% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs UNTY: 29.89
Unity Bancorp FCF Margin % Related Terms
Unity Bancorp FCF Margin % Historical Data
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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 43.14% as of Mar. 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. This is 11% above median its historical median of 38.86. According to the industry distribution chart, Unity Bancorp ranks #658 out of 1505 companies in the Banks industry, placing it in the top 43.7%.
Is Unity Bancorp's FCF Margin % too high?
Unity Bancorp's current FCF Margin % of 43.14% is 11% above median its 10-year median of 38.86. The Banks industry median FCF Margin % is 26.55. Unity Bancorp's value of 43.14% is 62.5% above this industry median. Based on the distribution chart, Unity Bancorp ranks #658 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, Unity Bancorp has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unity Bancorp's FCF Margin % compare to ACNB and NRIM?
According to the Banks industry distribution chart, Unity Bancorp ranks #658 out of 1505 companies for FCF Margin %. This puts Unity Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.55. Unity Bancorp's value of 43.14% is 62.5% above this benchmark. While the company's 10-year median is 38.86 vs. the industry median of 26.55, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 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. Unity Bancorp's current FCF Margin % of 43.14% is 62.5% 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 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 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unity Bancorp's current FCF Margin % is 43.14%, which is 11% above median its own 10-year median of 38.86. 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 $52.43, compared to a current price of $59.35 — trading 13.2% above its estimated fair value. The current FCF Margin % is 43.14%, which is 11% above median its 10-year median of 38.86 and 62.5% above the Banks industry median of 26.55. Unity Bancorp's overall GF Score™ is 69/100 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 43.14% 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 $59.35 is trading 13.2% above its estimated GF Value™ of $52.43.
GuruFocus considers Unity Bancorp to be Modestly Overvalued.
Key valuation signals for UNTY:
FCF Margin %: 43.14% (11% above median its 10-year median of 38.86)
GF Value™: $52.43 vs. price of $59.35 (13.2% above fair value)
Industry Position: 62.5% above the Banks median (#658 of 1505)
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.
69GF 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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