UNTY (Unity Bancorp) Dividend Payout Ratio: 0.11 (As of Mar. 2026) — 15% Below Median

What is Unity Bancorp Dividend Payout Ratio?

Unity Bancorp UNTY +2.76% 69 Dividend Payout Ratio is 0.11 as of Mar. 2026, which is 15% below its 10-year median of 0.13. 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 1,168 Banks companies, Unity Bancorp ranks better than 93.15% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Unity Bancorp's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.11.

The historical rank and industry rank for Unity Bancorp's Dividend Payout Ratio or its related term are showing as below:

UNTY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.1 Med: 0.13 Max: 0.19
Current: 0.11

During the past 13 years, the highest Dividend Payout Ratio of Unity Bancorp was 0.19. The lowest was 0.10. And the median was 0.13.

UNTY's Dividend Payout Ratio is ranked better than
93.15% of 1168 companies
in the Banks industry
Industry Median: 0.32 vs UNTY: 0.11

As of today (2026-06-27), the Dividend Yield % of Unity Bancorp is 1.04%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Unity Bancorp was 3.24%. The lowest was 0.92%. And the median was 1.34%.

Unity Bancorp's Dividends per Share for the months ended in Mar. 2026 was $0.16.

During the past 12 months, Unity Bancorp's average Dividends Per Share Growth Rate was 13.20% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 10.50% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 12.70% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 15.00% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Unity Bancorp was 97.20% per year. The lowest was -1.50% per year. And the median was 14.95% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Unity Bancorp (NAS:UNTY) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Unity Bancorp Dividend Payout Ratio Related Terms

Unity Bancorp Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Unity Bancorp's Dividend Payout 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 Dividend Payout Ratio Chart

Unity Bancorp Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Dividend Payout Ratio

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0.11

0.12

0.13

0.10

Unity Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
Dividend Payout Ratio	Get a 7-Day Free Trial															0.12	0.12	0.11	0.11	0.11

UNTY vs ACNB, NRIM, SFST: Dividend Payout Ratio Comparison

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

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

* The bar in red indicates where Unity Bancorp's Dividend Payout Ratio falls into.

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69GF Score

Unity Bancorp Inc UNTY

Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

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Unity Bancorp Dividend Payout Ratio Calculation

Unity Bancorp's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (A: Dec. 2025 )	/	EPS without NRI (A: Dec. 2025 )
	=	0.58	/	5.67
	=	0.10

Unity Bancorp's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio	=	Dividends per Share (Q: Mar. 2026 )	/	EPS without NRI (Q: Mar. 2026 )
	=	0.16	/	1.4
	=	0.11

Frequently Asked Questions Learn more about Dividend Payout Ratio →

What does a Dividend Payout Ratio of 0.11 mean?

Unity Bancorp (UNTY) has a Dividend Payout Ratio of 0.11 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Unity Bancorp and its competitors. This is 15% below median its historical median of 0.13. Over the past decade, Unity Bancorp's Dividend Payout Ratio has ranged from 0.10 to 0.19. According to the industry distribution chart, Unity Bancorp ranks #80 out of 1168 companies in the Banks industry, placing it in the top 6.8%.

Is Unity Bancorp's Dividend Payout Ratio too high?

Unity Bancorp's current Dividend Payout Ratio of 0.11 is 15% below median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.19. The Banks industry median Dividend Payout Ratio is 0.32. Unity Bancorp's value of 0.11 is 65.6% below this industry median. Based on the distribution chart, Unity Bancorp ranks #80 out of 1168 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 Dividend Payout Ratio compare to ACNB and NRIM?

According to the Banks industry distribution chart, Unity Bancorp ranks #80 out of 1168 companies for Dividend Payout Ratio. This places Unity Bancorp in the top 7% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Unity Bancorp's value of 0.11 is 65.6% below this benchmark. Historically, Unity Bancorp's own Dividend Payout Ratio has ranged from 0.10 to 0.19 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?

The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,168 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unity Bancorp's current Dividend Payout Ratio of 0.11 is 65.6% 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 Dividend Payout Ratio mean?

A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Unity Bancorp and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unity Bancorp's current Dividend Payout Ratio is 0.11, which is 15% below median its own 10-year median of 0.13. 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 Dividend Payout Ratio is 0.11, which is 15% below median its 10-year median of 0.13 and 65.6% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?

Dividend Payout Ratio is calculated from a company's financial statements. For Unity Bancorp (UNTY), the current Dividend Payout Ratio is 0.11 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 $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:

Dividend Payout Ratio: 0.11 (15% below median its 10-year median of 0.13)
GF Value™: $52.43 vs. price of $59.35 (13.2% above fair value)
GF Score™: 69/100 with 6 warning signs
Industry Position: 65.6% below the Banks median (#80 of 1168)

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

Industry Financial Services Banks

Comparable Companies ACNB NRIM SFST MSBI FFIC CIVB BHB RCBC WCCB NPB SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Other Exchanges UTB:Germany

Address 64 Old Highway 22, Clinton, NJ, USA, 08809

Website https://www.unitybank.com

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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$59.35

Price

$52.43

GF Value

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