Unity BancorpUNTY +2.76%69 Pretax Margin % is 55.01% as of Mar. 2026, which is 12% above its 10-year median of 49.00. 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 1,527 Banks companies, Unity Bancorp ranks better than 89.65% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Unity Bancorp's Pre-Tax Income for the
three
months ended in Mar. 2026 was $18.5 Mil. Unity Bancorp's Revenue for the
three
months ended in Mar. 2026 was $33.6 Mil. Therefore, Unity Bancorp's pretax margin for the quarter that ended in Mar. 2026 was 55.01%.
The historical rank and industry rank for Unity Bancorp's Pretax Margin % or its related term are showing as below:
UNTY'
s Pretax Margin % Range Over the Past 10 Years
Min: 40.66 Med: 49 Max: 56.92
Current: 56.92
UNTY's Pretax Margin % is ranked better than 89.65% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs UNTY: 56.92
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Unity Bancorp Pretax Margin % Related Terms
Unity Bancorp Pretax Margin % Historical Data
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The historical data trend for Unity Bancorp's Pretax Margin % 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.
UNTY vs ACNB, NRIM, SFST: Pretax Margin % Comparison
For the Banks - Regional subindustry, Unity Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Unity Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Unity Bancorp's Pretax Margin % falls into.
* 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 (UNTY) has a Pretax Margin % of 55.01% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Unity Bancorp and its competitors. This is 12% above median its historical median of 49.00. Over the past decade, Unity Bancorp's Pretax Margin % has ranged from 40.66 to 56.92. According to the industry distribution chart, Unity Bancorp ranks #158 out of 1527 companies in the Banks industry, placing it in the top 10.3%.
Is Unity Bancorp's Pretax Margin % too high?
Unity Bancorp's current Pretax Margin % of 55.01% is 12% above median its 10-year median of 49.00. Over the past 10 years, this metric has ranged from a low of 40.66 to a high of 56.92. The Banks industry median Pretax Margin % is 34.88. Unity Bancorp's value of 55.01% is 57.7% above this industry median. Based on the distribution chart, Unity Bancorp ranks #158 out of 1527 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 Pretax Margin % compare to ACNB and NRIM?
According to the Banks industry distribution chart, Unity Bancorp ranks #158 out of 1527 companies for Pretax Margin %. This places Unity Bancorp in the top 10% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.88. Unity Bancorp's value of 55.01% is 57.7% above this benchmark. Historically, Unity Bancorp's own Pretax Margin % has ranged from 40.66 to 56.92 over the past decade. While the company's 10-year median is 49.00 vs. the industry median of 34.88, Unity Bancorp has consistently been above 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unity Bancorp's current Pretax Margin % of 55.01% is 57.7% above 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Unity Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unity Bancorp's current Pretax Margin % is 55.01%, which is 12% above median its own 10-year median of 49.00. 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 Pretax Margin % is 55.01%, which is 12% above median its 10-year median of 49.00 and 57.7% above the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Unity Bancorp (UNTY), the current Pretax Margin % is 55.01% 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:
Pretax Margin %: 55.01% (12% above median its 10-year median of 49.00)
GF Value™: $52.43 vs. price of $59.35 (13.2% above fair value)
Industry Position: 57.7% above the Banks median (#158 of 1527)
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 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
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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