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UNTY · Unity Bancorp Inc

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$57.75 -0.03 (-0.04%)
Market Cap
$580.16M
Shares
10.04M
Volume · Nov 6 9753 Avg daily vol (3M) 54.48K

Price & Indicators

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20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$57.77 Open$60.19 Day$57.65–60.97 52W close$45.17–61.82 Avg vol 30d51K Short int205K · 2.0% of shares · 4.0d Short vol62% DataJan 2020–Nov 2026 Filing10-Q · Nov 5

Latest documents

2026
Nov 5
Quarterly report 10-Q FY2026 Q3, ended Sep 30
Quarterly report for FY2026 Q3 AI summary on its way
Net income $17.38M ▲ 20.8% Diluted EPS $1.70 ▲ 20.6%
Oct 13
Current report 8-K
Financial results

Unity Bancorp reported net income of $17.4 million, or $1.70 per diluted share, for the quarter ended September 30, 2026, compared with $14.5 million and $1.42 for the quarter ended June 30, 2026.

Read from the first part of this long document
Sep 23
Current report 8-K
Regulation FD disclosure

Unity Bancorp, Inc. announced James A. Hughes will retire as CEO on March 31, 2027 and remain a director; George Boyan will become CEO on April 1, 2027.

Aug 20
Current report 8-K
Other events AI summary on its way
All documents

Metrics snapshot

Useful current figures from the complete screener profile.

Revenue (TTM)
$135.44M
Trailing 12 months
Net income (TTM)
$58.62M
Trailing 12 months
Revenue growth YoY
-1.8%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
10.3
Trailing earnings · reciprocal yield 9.7%
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
−$49.56M
Latest balance sheet
Dividend yield
1.1%
Trailing 12 months
Shares change YoY
+0.1%
Year over year · more shares
Price change (1Y)
+31.0%
Trailing year
Short interest
2.0%
Latest settlement · 4.0 days to cover
View all 122 metrics

Equibles Rating

blended score · not investment advice
Overall
Strong Buy
SellHoldBuy
Technical Buy Momentum Very Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Low
Market backdrop VIX 28.2 · fear Equity put/call 0.89
Technical
price trend
Buy
50 / 200-day cross No cross
Price vs 200-day avg +4%
above
Price vs 50-day avg +1%
above
RSI (14) 52
neutral
MACD trend Positive
52-week position 76%
mid-range
Volume (OBV) Confirms
volume backs price
Momentum
relative strength
Very Strong
1-month return +5%
trailing
6-month return +10%
trailing
YTD return +12%
this year
Relative strength +11%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $57 › 200d $56 — 50d above 200d
Institutional flow Distributing
38 of 143 funds reported for Sep 30 · net -25.0K sh shares · +5 new
Insider flow Distributing
Net -$461.2K over 90 days · 100% sells
Short interest Falling
2.04% of shares out · ▼ -5.8% MoM · 4.0 days cover
Volume signal Reversal watch
High volume on a down day — possible exhaustion
Institution breadth Multi-yr high
143 holders — near 3-yr high, broad support
Squeeze score 54
elevated · 0–100
Fundamentals
Excellent
EPS growth +40%
Y/Y
Free cash flow $44.3M
Valuation P/E 9.6
below peers
Balance sheet $64.5M
net debt
Quant / Vol
risk profile
Low
Volatility 25%
annualized · 1-yr
Max drawdown −13%
past year
ATR 2.7%
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
0 · 4 · 3
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
+4% Bullish
Price vs 50-day avg
+1% Bullish
RSI (14)
52 Neutral
MACD trend
Positive Bullish
52-week position
76% Neutral
Volume (OBV)
Confirms Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross) No cross
50d $57 › 200d $56 — 50d above 200d
Institutional flow Distributing
38 of 143 funds reported for Sep 30 · net -25.0K sh shares · +5 new
Insider flow Distributing
Net -$461.2K over 90 days · 100% sells
Short interest Falling
2.04% of shares out · ▼ -5.8% MoM · 4.0 days cover
Volume signal Reversal watch
High volume on a down day — possible exhaustion
Institution breadth Multi-yr high
143 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $45 Now $58 · 76% Range high $62
vs 200-day avg +4% vs 50-day avg +1%

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
Adjusted net income non-GAAP $15.46M Sept. 30, 2026 —
GAAP → non-GAAP reconciliation
GAAP Net income (GAAP) $17.38M
+$0K Less: Release of credit losses, securities
+$0K Less: Net securities gains, unrealized
-$2.5M Less: Federal investment tax credit benefit
+$769K Add: One-time SERP expense
-$188K Adjusted (provision for) release of income taxes
= Adjusted net income $15.46M
Adjusted net income per common share - Basic non-GAAP $1.54 Sept. 30, 2026 —
Adjusted net income per common share - Diluted non-GAAP $1.51 Sept. 30, 2026 —
Adjusted return on average assets non-GAAP 2.04% Sept. 30, 2026 —
Adjusted return on average equity non-GAAP 16.11% Sept. 30, 2026 —
Allowance for credit losses to total loans 1.28% as of Sept. 30, 2026 —
Common Equity Tier 1 Capital Ratio 14.46% as of Sept. 30, 2026 —
Cost of funds 2.39% quarter ended Sept. 30, 2026 —
Efficiency ratio non-GAAP 41.53% Nine months ended Sept. 30 —
Employee Full-Time Equivalent 239 Sept. 30, 2026 —
Leverage ratio 13.22% as of Sept. 30, 2026 —
Net interest margin 4.59% nine months ended Sept. 30, 2026 —
Nonaccrual assets to total assets 0.74% as of Sept. 30, 2026 —
Nonaccrual loans to total loans 0.81% as of Sept. 30, 2026 —
Number of banking offices 22 Sept. 30, 2026 —
Return on average assets 2.29% quarter ended Sept. 30, 2026 —
Return on average equity 18.11% quarter ended Sept. 30, 2026 —
Risk-based Tier 1 Capital Ratio 14.84% as of Sept. 30, 2026 —
Risk-based Total Capital Ratio 16.09% as of Sept. 30, 2026 —
Total equity to total assets 11.95% as of Sept. 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
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
UNTY
Unity Bancorp Inc
this stock
$580.16M +11.7% — 9.6 2.0%
HDB
Hdfc Bank Ltd
$127.06B -32.4% -3.2% — 0.8%
IBN
Icici Bank Ltd
$116.80B +9.2% — — 0.6%
MFG
Mizuho Financial Group Inc
$113.36B +28.3% — — 0.0%
CIXPF
CaixaBank
$96.49B +14.0% — — 0.0%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Reducing
Holders
144
% held
51.9%
Reported
38 of 143
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
201
View
Short & Settlement
Short Interest Falling
Shares short
205.1K
Days to cover
4.0d
Change
-12.5K sh
View
Short Volume
Short vol %
62%
As of
Nov 5, 2026
Short Total
View
Fails to Deliver
FTD shares
100
Value
$5.9K
As of
Sep 22, 2026
View
Off-Exchange
Off-exchange %
26.2%
Week of
Sep 28, 2026
Off-exch Lit
View
Smart Money
Insider Trades Net selling
Net (90d)
-$461.2K
Buyers / Sellers
0 / 2
Buyers Sellers
View
Financials
Financials
Net income (FY)
$58.0M
EPS diluted
$5.67
View
Buybacks
Remaining
shares 568.0K
View
Filings
SEC Filings
Latest
10-Q
Filed
Nov 5, 2026
This year
20
View
Proposed Sales
Value
$384.8K
Shares
6.5K
Filed
Sep 3, 2026
View
Earnings & Events
Investor Relations
Latest news
Unity Bancorp Reports Quarterly E…
Published
Oct 13, 2026
View

Performance

5D 20D 120D MTD YTD
UNTY -0.6% +4.6% +10.2% +0.8% +11.7%
SPY -4.7% -5.3% -0.8% -3.0% +7.5%
vs SPY +4.2% +9.9% +11.0% +3.8% +4.2%

Capital returns

Latest dividend
$0.17 / share · ex Sep 3, 2026
Raised 6.3%
Paid (TTM)
$0.64 / share · 4 payouts
Dividend yield (TTM, derived)
1.11%
Full dividend history
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.

Key facts CIK 920427 CUSIP 913290102 13F (30d) 47 filings 35 filers Visit website Investor relations