UNTY (Unity Bancorp) Scaled Net Operating Assets: 0.12 (As of Mar. 2026)


UNTY Unity Bancorp Inc UNTY
69 GF Score
Price $59.35
GF Value $52.43
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Unity Bancorp Scaled Net Operating Assets?

Unity Bancorp UNTY +2.76% 69 Scaled Net Operating Assets is 0.12 as of Mar. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Unity Bancorp's operating assets for the quarter that ended in Mar. 2026 was $2,775.4 Mil. Unity Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $2,410.6 Mil. Unity Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $2,966.7 Mil. Therefore, Unity Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.12.

UNTY
69GF Score
Unity Bancorp Inc UNTY
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Unity Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Unity Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(2750.133-2354.937)/2654.017
=0.15

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2966.652 - 216.519
=2750.133

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2621.021 - 266.084 - 0
=2354.937

Unity Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(2775.42-2410.648)/2966.652
=0.12

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3027.327 - 251.907
=2775.42

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2669.232 - 258.584 - 0
=2410.648

* 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.

What does a Scaled Net Operating Assets of 0.12 mean?
Unity Bancorp (UNTY) has a Scaled Net Operating Assets of 0.12 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Unity Bancorp and its competitors.
Is Unity Bancorp's Scaled Net Operating Assets too high?
Unity Bancorp's current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets compare to ACNB and NRIM?
Unity Bancorp's Scaled Net Operating Assets of 0.12 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Unity Bancorp and its competitors. Unity Bancorp's current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Unity Bancorp (UNTY), the current Scaled Net Operating Assets is 0.12 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:

  • Scaled Net Operating Assets: 0.12
  • 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

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$59.35
Price
$52.43
GF Value