UNTY (Unity Bancorp) 1-Year Sharpe Ratio: 1.04 (As of Jul. 14, 2026)

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UNTY Unity Bancorp Inc UNTY
81 GF Score
Price $55.54
GF Value $52.38
Valuation Fairly Valued
! 5 Warning Signs
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What is Unity Bancorp 1-Year Sharpe Ratio?

Unity Bancorp UNTY -3.34% 81 1-Year Sharpe Ratio is 1.04 as of Jul. 14, 2026. GuruFocus rates UNTY with a GF Score™ of 81/100 and a GF Value™ of $52.38 (Fairly Valued). The stock has 5 warning signs investors should review.

The 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past year. As of today (2026-07-14), Unity Bancorp's 1-Year Sharpe Ratio is 1.04.

Unity Bancorp  (NAS:UNTY) 1-Year Sharpe Ratio Explanation

The 1-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by its standard deviation over the past year. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.

Unity Bancorp 1-Year Sharpe Ratio Related Terms

UNTY vs CIVB, RRBI, KRNY: 1-Year Sharpe Ratio Comparison

For the Banks - Regional subindustry, Unity Bancorp's 1-Year Sharpe Ratio, along with its competitors' market caps and 1-Year Sharpe 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 1-Year Sharpe Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Unity Bancorp's 1-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where Unity Bancorp's 1-Year Sharpe Ratio falls into.


UNTY
81GF Score
Unity Bancorp Inc UNTY
1-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Unity Bancorp 1-Year Sharpe Ratio Calculation

The 1-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset. A stock / portfolio's 1-Year Sharpe Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the investment returns over one year.

Frequently Asked Questions Learn more about 1-Year Sharpe Ratio →
What does a 1-Year Sharpe Ratio of 1.04 mean?
Unity Bancorp (UNTY) has a 1-Year Sharpe Ratio of 1.04 as of Jul. 14, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Unity Bancorp and its competitors.
Is Unity Bancorp's 1-Year Sharpe Ratio too high?
Unity Bancorp's current 1-Year Sharpe Ratio is 1.04. Overall, Unity Bancorp has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Unity Bancorp's 1-Year Sharpe Ratio compare to CIVB and RRBI?
Unity Bancorp's 1-Year Sharpe Ratio of 1.04 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 1-Year Sharpe Ratio for a Banks company?
A good 1-Year Sharpe Ratio depends on the Banks industry context. However, 1-Year Sharpe Ratio 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 1-Year Sharpe Ratio mean?
A high 1-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Unity Bancorp and its competitors. Unity Bancorp's current 1-Year Sharpe Ratio is 1.04. 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 Fairly Valued. The stock's GF Value™ is $52.38, compared to a current price of $55.54 — trading 6% above its estimated fair value. The current 1-Year Sharpe Ratio is 1.04. Unity Bancorp's overall GF Score™ is 81/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 1-Year Sharpe Ratio calculated?
1-Year Sharpe Ratio is calculated from a company's financial statements. For Unity Bancorp (UNTY), the current 1-Year Sharpe Ratio is 1.04 as of Jul. 14, 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 $55.54 is trading 6% above its estimated GF Value™ of $52.38. GuruFocus considers Unity Bancorp to be Fairly Valued.

Key valuation signals for UNTY:

  • 1-Year Sharpe Ratio: 1.04
  • GF Value™: $52.38 vs. price of $55.54 (6% above fair value)
  • GF Score™: 81/100 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.
81GF Score

Get the complete analysis for UNTY

1-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$55.54
Price
$52.38
GF Value