UNTY (Unity Bancorp) Moat Score: 4/10 (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
View Full Analysis

What is Unity Bancorp Moat Score?

Unity Bancorp UNTY +2.76% 69 Moat Score is 4 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. Among 1,610 Banks companies, Unity Bancorp ranks better than 86.15% on this metric.

Unity Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Unity Bancorp has Narrow Moat: Unity Bancorp has a modest moat due to its regional market presence and customer relationships. While it benefits from some brand recognition and customer loyalty, it lacks significant cost advantages, network effects, or regulatory barriers to ensure a wider moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Unity Bancorp might have Narrow Moat - Discernible but modest moat.

Unity Bancorp  (NAS:UNTY) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Unity Bancorp Moat Score Related Terms

UNTY vs ACNB, NRIM, SFST: Moat Score Comparison

For the Banks - Regional subindustry, Unity Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Unity Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Unity Bancorp's Moat Score falls into.


UNTY
69GF Score
Unity Bancorp Inc UNTY
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Unity Bancorp (UNTY) has a Moat Score of 4 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Unity Bancorp ranks #223 out of 1610 companies in the Banks industry, placing it in the top 13.9%.
Is Unity Bancorp's Moat Score too high?
Unity Bancorp's current Moat Score is 4. Based on the distribution chart, Unity Bancorp ranks #223 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to ACNB and NRIM?
According to the Banks industry distribution chart, Unity Bancorp ranks #223 out of 1610 companies for Moat Score. This places Unity Bancorp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Unity Bancorp's current Moat Score is 4. 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 Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Unity Bancorp (UNTY), the current Moat Score is 4 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:

  • Moat Score: 4
  • 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

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

$59.35
Price
$52.43
GF Value