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Unity Bancorp (FRA:UTB) Forward PE Ratio Explanation
The Forward PE Ratio of a company is often used to compare current earnings to estimated future earnings, as well as gaining a clearer picture of what earnings will look like without charges and other accounting adjustments. If earnings are expected to grow in the future, the Forward PE Ratio will be lower than the current PE Ratio. This measure is also used to compare one company to another with a forward-looking focus.
Trailing PE Ratio relies on what is already done. It uses the current share price and divides by the total EPS (Basic) over the past 12 months. PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio .
Unity Bancorp Forward PE Ratio Related Terms
Unity Bancorp Forward PE Ratio Historical Data
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The historical data trend for Unity Bancorp's Forward PE Ratio 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.
Unity Bancorp Forward PE Ratio Chart
Unity Bancorp Annual Data
Trend
2021-12
2022-12
2023-12
2024-12
2025-12
Forward PE Ratio
8.36
6.91
8.18
8.89
9.38
Unity Bancorp Quarterly Data
2021-03
2021-06
2021-09
2021-12
2022-03
2022-06
2022-12
2023-03
2023-06
2023-09
2023-12
2024-03
2024-06
2024-09
2024-12
2025-03
2025-06
2025-09
2025-12
2026-03
2026-06
Forward PE Ratio
8.09
7.37
7.99
8.36
8.78
7.73
6.91
5.62
6.71
6.25
8.18
7.86
7.29
8.04
8.89
8.05
8.87
8.97
9.38
8.97
10.37
FRA:UTB vs CIVB, RRBI, KRNY: Forward PE Ratio Comparison
For the Banks - Regional subindustry, Unity Bancorp's Forward PE Ratio, along with its competitors' market caps and Forward PE Ratio 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 Forward PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Unity Bancorp's Forward PE Ratio distribution charts can be found below:
* The bar in red indicates where Unity Bancorp's Forward PE Ratio falls into.
It's a measure of the price-to-earnings ratio (PE Ratio) using forecasted earnings for the calculation. While the earnings used are just an estimate and are not as reliable as current earnings data, there is still benefit in estimated P/E analysis. The forecasted earnings used in the formula can either be for the next 12 months or for the next full-year fiscal period.
Unity Bancorp (FRA:UTB) has a Forward PE Ratio of 9.50 as of Jul. 17, 2026. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Unity Bancorp and its competitors. According to the industry distribution chart, Unity Bancorp ranks #280 out of 819 companies in the Banks industry, placing it in the top 34.2%.
Is Unity Bancorp's Forward PE Ratio too high?
Unity Bancorp's current Forward PE Ratio is 9.50. The Banks industry median Forward PE Ratio is 11.14. Unity Bancorp's value of 9.50 is 14.7% below this industry median. Based on the distribution chart, Unity Bancorp ranks #280 out of 819 companies in the Banks industry, which is above the industry midpoint. Overall, Unity Bancorp has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Unity Bancorp's Forward PE Ratio compare to CIVB and RRBI?
According to the Banks industry distribution chart, Unity Bancorp ranks #280 out of 819 companies for Forward PE Ratio. This puts Unity Bancorp in the upper half of its industry. The industry median Forward PE Ratio is 11.14. Unity Bancorp's value of 9.50 is 14.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward PE Ratio for a Banks company?
The median Forward PE Ratio among Banks companies is 11.14, based on 819 companies in the industry. Companies in the top quartile (top 25%) have a Forward PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Forward PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unity Bancorp's current Forward PE Ratio of 9.50 is 14.7% 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 Forward PE Ratio mean?
A high Forward PE Ratio can signal that a stock is expensive relative to its fundamentals. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Unity Bancorp and its competitors. For the Banks industry, the median Forward PE Ratio is 11.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unity Bancorp's current Forward PE Ratio is 9.50. 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 Fairly Valued. The stock's GF Value™ is €45.62, compared to a current price of €48.60 — trading 6.5% above its estimated fair value. The current Forward PE Ratio is 9.50 and 14.7% below the Banks industry median of 11.14. Unity Bancorp's overall GF Score™ is 83/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward PE Ratio calculated?
Forward PE Ratio is calculated from a company's financial statements. For Unity Bancorp (FRA:UTB), the current Forward PE Ratio is 9.50 as of Jul. 17, 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 €48.60 is trading 6.5% above its estimated GF Value™ of €45.62.
GuruFocus considers Unity Bancorp to be Fairly Valued.
Key valuation signals for FRA:UTB:
Forward PE Ratio: 9.50
GF Value™: €45.62 vs. price of €48.60 (6.5% above fair value)
Industry Position: 14.7% below the Banks median (#280 of 819)
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.
83GF Score
Get the complete analysis for FRA:UTB
Forward PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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