UNTY (Unity Bancorp) Margin of Safety % (DCF Dividends Based): 44.73% (As of Jun. 27, 2026)


UNTY Unity Bancorp Inc UNTY
69 GF Score
Price $59.35
GF Value $52.43
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Unity Bancorp Margin of Safety % (DCF Dividends Based)?

Unity Bancorp UNTY +2.76% 69 Margin of Safety % (DCF Dividends Based) is 44.73% as of Jun. 27, 2026. 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.

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-06-27), Unity Bancorp's Predictability Rank is 5-Stars. Unity Bancorp's intrinsic value calculated from the Discounted Dividend model is $148.88 and current share price is $59.35. Consequently,

Unity Bancorp's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is 44.73%.

UNTY vs ACNB, NRIM, SFST: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, Unity Bancorp's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, Unity Bancorp's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Unity Bancorp's Margin of Safety % (DCF Dividends Based) falls into.


UNTY
69GF Score
Unity Bancorp Inc UNTY
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Unity Bancorp Margin of Safety % (DCF Dividends Based) Calculation

Unity Bancorp's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(107.39-59.35)/107.39
=44.73 %

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

What does a Margin of Safety % (DCF Dividends Based) of 44.73% mean?
Unity Bancorp (UNTY) has a Margin of Safety % (DCF Dividends Based) of 44.73% as of Jun. 27, 2026. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Unity Bancorp.
Is Unity Bancorp's Margin of Safety % (DCF Dividends Based) too high?
Unity Bancorp's current Margin of Safety % (DCF Dividends Based) is 44.73%. 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 Margin of Safety % (DCF Dividends Based) compare to ACNB and NRIM?
Unity Bancorp's Margin of Safety % (DCF Dividends Based) of 44.73% 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 Margin of Safety % (DCF Dividends Based) for a Banks company?
A good Margin of Safety % (DCF Dividends Based) depends on the Banks industry context. However, Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) mean?
A high Margin of Safety % (DCF Dividends Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Unity Bancorp. Unity Bancorp's current Margin of Safety % (DCF Dividends Based) is 44.73%. 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 Margin of Safety % (DCF Dividends Based) is 44.73%. 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 Margin of Safety % (DCF Dividends Based) calculated?
Margin of Safety % (DCF Dividends Based) is calculated from a company's financial statements. For Unity Bancorp (UNTY), the current Margin of Safety % (DCF Dividends Based) is 44.73% 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:

  • Margin of Safety % (DCF Dividends Based): 44.73%
  • GF Value™: $52.43 vs. price of $59.35 (13.2% above fair value)
  • GF Score™: 69/100 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.
69GF Score

Get the complete analysis for UNTY

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$59.35
Price
$52.43
GF Value