UNTY (Unity Bancorp) Long-Term Debt: $258.6 Mil (As of Mar. 2026)


UNTY Unity Bancorp Inc UNTY
70 GF Score
Price $58.67
GF Value $52.44
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Unity Bancorp Long-Term Debt?

Unity Bancorp UNTY -0.02% 70 Long-Term Debt is $258.6 Mil as of Mar. 2026. GuruFocus rates UNTY with a GF Score™ of 70/100 and a GF Value™ of $52.44 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Unity Bancorp's Long-Term Debt for the quarter that ended in Mar. 2026 was $258.6 Mil.

Unity Bancorp's quarterly Long-Term Debt increased from Sep. 2025 ($242.0 Mil) to Dec. 2025 ($266.1 Mil) but then declined from Dec. 2025 ($266.1 Mil) to Mar. 2026 ($258.6 Mil).

Unity Bancorp's annual Long-Term Debt declined from Dec. 2023 ($366.7 Mil) to Dec. 2024 ($230.8 Mil) but then increased from Dec. 2024 ($230.8 Mil) to Dec. 2025 ($266.1 Mil).

Unity Bancorp  (NAS:UNTY) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Unity Bancorp Long-Term Debt Related Terms

Unity Bancorp Long-Term Debt Historical Data

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The historical data trend for Unity Bancorp's Long-Term Debt 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 Long-Term Debt Chart

Unity Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 50.31 393.31 366.75 230.81 266.08

Unity Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 253.60 387.42 242.02 266.08 258.58
UNTY
70GF Score
Unity Bancorp Inc UNTY
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $258.6 Mil mean?
Unity Bancorp (UNTY) has a Long-Term Debt of $258.6 Mil as of Mar. 2026.
Is Unity Bancorp's Long-Term Debt too high?
Unity Bancorp's current Long-Term Debt is $258.6 Mil. Overall, Unity Bancorp has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unity Bancorp's Long-Term Debt compare to CIVB and RRBI?
Unity Bancorp's Long-Term Debt of $258.6 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Unity Bancorp's current Long-Term Debt is $258.6 Mil. 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 $52.44, compared to a current price of $58.67 — trading 11.9% above its estimated fair value. The current Long-Term Debt is $258.6 Mil. Unity Bancorp's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Unity Bancorp (UNTY), the current Long-Term Debt is $258.6 Mil 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 $58.67 is trading 11.9% above its estimated GF Value™ of $52.44. GuruFocus considers Unity Bancorp to be Modestly Overvalued.

Key valuation signals for UNTY:

  • Long-Term Debt: $258.6 Mil
  • GF Value™: $52.44 vs. price of $58.67 (11.9% above fair value)
  • GF Score™: 70/100 with 6 warning signs

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 Business Description

Other Exchanges UTB:Germany
Address 64 Old Highway 22, Clinton, NJ, USA, 08809
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.
70GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$58.67
Price
$52.44
GF Value