UNTY · Unity Bancorp Inc /Nj/
$59.44
+0.33 (+0.56%)
At close · Aug 21
Market Cap
$596.93M
Shares
10.04M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$59.44
Open$59.98
Day$59.01–60.52
52W close$45.17–61.82
Avg vol 30d65K
Short int125K · 1.2% float · 1.9d
Short vol39%
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bearish
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 15.1 · calm
Equity put/call 0.51
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+10%
above
Price vs 50-day avg
+2%
above
RSI (14)
51
neutral
MACD trend
Negative
52-week position
86%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+2%
trailing
6-month return
+10%
trailing
YTD return
+15%
this year
Relative strength
−1%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $58 › 200d $54 — 50d above 200d
Institutional flow
Distributing
-6% holders QoQ · +19 funds added
Insider flow
Distributing
Net -$88.4K over 90 days · 100% sells
Short interest
Rising
1.25% of float · ▲ +9.9% MoM · 1.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
123 holders — mid 3-yr range
Squeeze score
52
elevated · 0–100
Fundamentals
EPS growth
+40%
Y/Y
Free cash flow
$44.3M
Valuation
P/E 10.3
below peers
Balance sheet
$131.4M
net debt
Quant / Vol
risk profile
Volatility
29%
annualized · 1-yr
Max drawdown
−16%
past year
ATR
2.4%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+10%
Bullish
Price vs 50-day avg
+2%
Bullish
RSI (14)
51
Neutral
MACD trend
Negative
Bearish
52-week position
86%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 3 of 6
Trend (MA cross)
No cross
50d $58 › 200d $54 — 50d above 200d
Institutional flow
Distributing
-6% holders QoQ · +19 funds added
Insider flow
Distributing
Net -$88.4K over 90 days · 100% sells
Short interest
Rising
1.25% of float · ▲ +9.9% MoM · 1.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
123 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $45
Now $59 · 86%
Range high $62
vs 200-day avg +10%
vs 50-day avg +2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses as a percentage of gross loans | 1.29% | As of June 30, 2026 | — |
| Allowance for credit losses to total loans | 1.29% | June 30, 2026 | — |
| Book value per common share | $37.02 | As of June 30, 2026 | — |
| Common Equity Tier 1 Capital Ratio | 14.19% | As of June 30, 2026 | — |
| Efficiency ratio non-GAAP | 40.5% | June 30, 2026 | — |
| Employee Full-Time Equivalent | 249 | June 30, 2026 | — |
| Leverage Ratio | 13.17% | As of June 30, 2026 | — |
| Net interest margin | 4.56% | the quarter ended June 30, 2026 | — |
|
|
|||
| Number of banking offices | 22 | June 30, 2026 | — |
| Ratio of nonaccrual assets to total assets | 1.08% | As of June 30, 2026 | — |
| Ratio of nonaccrual loans to total loans | 1.23% | As of June 30, 2026 | — |
| Tier 1 Capital Ratio | 14.57% | As of June 30, 2026 | — |
| Total available funding plus cash on hand as a percentage of uninsured or uncollateralized depos | 125.4% | As of June 30, 2026 | — |
| Total Capital Ratio | 15.82% | As of June 30, 2026 | — |
| Total equity to total assets | 11.64% | June 30, 2026 | — |
| Uninsured or uncollateralized deposits represented percentage of total deposits | 21.8% | As of June 30, 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
UNTY
this stock
Unity Bancorp Inc /Nj/
|
$596.93M | +14.9% | — | 10.3 | 1.2% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +40.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.52B | -35.4% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +19.4% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| UNTY | -3.9% | +2.4% | +10.2% | +0.9% | +14.9% |
| SPY | -1.4% | +3.6% | +11.6% | +2.5% | +12.3% |
| vs SPY | -2.5% | -1.2% | -1.4% | -1.6% | +2.6% |
Capital returns
Latest dividend
$0.16
/ share · ex Jun 4, 2026
Declared · upcoming
$0.17
/ share · ex Sep 3, 2026
Paid (TTM)
$0.62
/ share · 4 payouts
Dividend yield (TTM, derived)
1.04%
Buyback program
· as of Dec 31, 2025
Authorized
—
Spent (derived)
—
Remaining
shares 568,000
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.