Unity BancorpUNTY +2.76%69 FCF Yield % is 6.92 as of Jun. 27, 2026, which is 36% below its 10-year median of 10.73. 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 worse than 54.88% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Unity Bancorp FCF Yield % Related Terms
Unity Bancorp FCF Yield % Historical Data
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The historical data trend for Unity Bancorp's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Unity Bancorp's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Unity Bancorp's FCF Yield % 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 Yield % of 6.92 as of Jun. 27, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Unity Bancorp and its competitors. This is 36% below median its historical median of 10.73. According to the industry distribution chart, Unity Bancorp ranks #826 out of 1505 companies in the Banks industry, placing it in the top 54.9%.
Is Unity Bancorp's FCF Yield % too high?
Unity Bancorp's current FCF Yield % of 6.92 is 36% below median its 10-year median of 10.73. The Banks industry median FCF Yield % is 8.20. Unity Bancorp's value of 6.92 is 15.6% below this industry median. Based on the distribution chart, Unity Bancorp ranks #826 out of 1505 companies in the Banks industry, which is below 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 Yield % compare to ACNB and NRIM?
According to the Banks industry distribution chart, Unity Bancorp ranks #826 out of 1505 companies for FCF Yield %. This places Unity Bancorp in the lower half of its industry. The industry median FCF Yield % is 8.20. Unity Bancorp's value of 6.92 is 15.6% below this benchmark. While the company's 10-year median is 10.73 vs. the industry median of 8.20, Unity Bancorp has consistently been below 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.20, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unity Bancorp's current FCF Yield % of 6.92 is 15.6% below 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Unity Bancorp and its competitors. For the Banks industry, the median FCF Yield % is 8.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unity Bancorp's current FCF Yield % is 6.92, which is 36% below median its own 10-year median of 10.73. 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 (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 Yield % is 6.92, which is 36% below median its 10-year median of 10.73 and 15.6% below the Banks industry median of 8.20. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Unity Bancorp (UNTY), the current FCF Yield % is 6.92 as of Jun. 27, 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 Yield %: 6.92 (36% below median its 10-year median of 10.73)
GF Value™: $52.43 vs. price of $59.35 (13.2% above fair value)
Industry Position: 15.6% below the Banks median (#826 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
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