UNTY (Unity Bancorp) Total Payout Ratio: 0.08 (As of Jul. 15, 2026)

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UNTY Unity Bancorp Inc UNTY
81 GF Score
Price $56.62
GF Value $52.39
Valuation Fairly Valued
! 4 Warning Signs
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What is Unity Bancorp Total Payout Ratio?

Unity Bancorp UNTY +1.90% 81 Total Payout Ratio is 0.08 as of Jul. 15, 2026. GuruFocus rates UNTY with a GF Score™ of 81/100 and a GF Value™ of $52.39 (Fairly Valued). The stock has 4 warning signs investors should review.

Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income.

Unity Bancorp's current Total Payout Ratio is 0.08.

Unity Bancorp Total Payout Ratio Related Terms

Unity Bancorp Total Payout Ratio Historical Data

* Premium members only.

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

Unity Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.22 0.12 0.51 0.27 0.18

Unity Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Total Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.20 0.10 0.09 0.13 0.00

UNTY vs CIVB, RRBI, KRNY: Total Payout Ratio Comparison

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

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

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


UNTY
81GF Score
Unity Bancorp Inc UNTY
Total Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Unity Bancorp Total Payout Ratio Calculation

Total Payout Ratio is a measurement showing the proportion of earnings a company pays shareholders in the form of dividends and net stock repurchases.

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

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (-5.039 + 0 + -5.609) / 57.951
=0.18

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

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (-0.324 + 0 + -1.543) / 14.288
=0.13

* 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.

Frequently Asked Questions Learn more about Total Payout Ratio →
What does a Total Payout Ratio of 0.08 mean?
Unity Bancorp (UNTY) has a Total Payout Ratio of 0.08 as of Jul. 15, 2026. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Unity Bancorp and its competitors.
Is Unity Bancorp's Total Payout Ratio too high?
Unity Bancorp's current Total Payout Ratio is 0.08. 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 Total Payout Ratio compare to CIVB and RRBI?
Unity Bancorp's Total Payout Ratio of 0.08 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 Total Payout Ratio for a Banks company?
A good Total Payout Ratio depends on the Banks industry context. However, Total Payout 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 Total Payout Ratio mean?
A high Total Payout Ratio can signal that a stock is expensive relative to its fundamentals. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Unity Bancorp and its competitors. Unity Bancorp's current Total Payout Ratio is 0.08. 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 $52.39, compared to a current price of $56.62 — trading 8.1% above its estimated fair value. The current Total Payout Ratio is 0.08. Unity Bancorp's overall GF Score™ is 81/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Payout Ratio calculated?
Total Payout Ratio is calculated from a company's financial statements. For Unity Bancorp (UNTY), the current Total Payout Ratio is 0.08 as of Jul. 15, 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 $56.62 is trading 8.1% above its estimated GF Value™ of $52.39. GuruFocus considers Unity Bancorp to be Fairly Valued.

Key valuation signals for UNTY:

  • Total Payout Ratio: 0.08
  • GF Value™: $52.39 vs. price of $56.62 (8.1% above fair value)
  • GF Score™: 81/100 with 4 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

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

$56.62
Price
$52.39
GF Value