UNTY (Unity Bancorp) Risk Assessment


UNTY Unity Bancorp Inc UNTY
70 GF Score
Price $58.12
GF Value $52.45
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Unity Bancorp Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Unity Bancorp is: High Risk: High uncertainty with risk-return tradeoff.

Unity Bancorp  (NAS:UNTY) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Unity Bancorp Risk Assessment Related Terms

UNTY vs CIVB, RRBI, KRNY: Risk Assessment Comparison

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

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

* The bar in red indicates where Unity Bancorp's Risk Assessment falls into.


UNTY
70GF Score
Unity Bancorp Inc UNTY
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Unity Bancorp (UNTY) Overvalued in 2026?

Based on GuruFocus' analysis, Unity Bancorp stock appears to be overvalued. The current stock price of $58.12 is trading 10.8% above its estimated GF Value™ of $52.45. GuruFocus considers Unity Bancorp to be Modestly Overvalued.

Key valuation signals for UNTY:

  • Risk Assessment:
  • GF Value™: $52.45 vs. price of $58.12 (10.8% above fair value)
  • GF Score™: 70/100 with 5 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

Get the complete analysis for UNTY

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

$58.12
Price
$52.45
GF Value