What is Unity Bancorp's earnings per share (EPS)?

Unity Bancorp (UNTY) reported diluted earnings per share of $5.67 for fiscal year 2025. This represents a 39.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Unity Bancorp (UNTY) Financials

UNTY

Trailing 12 months to June 30, 2026

Revenue $135.4M +13.1% YoY

Net Income $58.6M +16.1% YoY

EPS (Diluted) $5.75 +16.4% YoY

Free Cash Flow $26.8M -19.2% YoY

Market Cap $555.8M as of Oct 3, 2026

Price / Sales 4.1x on $135.4M revenue, trailing 12 months to June 30, 2026

Price / Earnings 9.5x on $58.6M net income, trailing 12 months to June 30, 2026

Price / Book 1.5x on $371.8M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the UNTY SEC filings page.

Unity Bancorp (UNTY) reported $135.4M in revenue over the twelve months to Jun 30, 2026, up 13.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI UNTY FY2025 2026-10-04

Unity Bancorp's rising earnings are paired with weaker cash conversion and a balance sheet funded mainly through liabilities.

FY2025 net income increased 40.0% while operating cash flow decreased 6.4%, a divergence showing that the earnings step-up was not fully converting into cash. At the same time, the $256.8M investing outflow was nearly offset by $248.0M of financing inflow, so balance-sheet funding activity—not operating cash alone—was central to that year's cash movement.

Assets expanded 11.8% to $2.97B in FY2025, making balance-sheet scale a major part of the business model and increasing the importance of funding discipline. Equity rose 16.9% to $345.6M, so that expansion was accompanied by a larger reported capital cushion, not just additional liabilities.

ROA improved to 2.0% from 1.6%, showing the enlarged asset base generated more profit per dollar than in FY2024, although the improvement remains modest in asset terms. Debt-to-equity reached 7.6x, making reported earnings dependent on a highly liability-funded structure and leaving funding structure central to interpreting performance.

Financial Health Signals

Financial Health Score 62/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Unity Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Unity Bancorp earned a return on assets of 1.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.6% the prior year. Earnings ranks banks on that return over three years, and Unity Bancorp scores 90/100 among other banks.

Growth

Unity Bancorp reported revenue of $131.8M in fiscal year 2025, against $107.1M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Unity Bancorp scores 68/100 among other banks.

Capital

Unity Bancorp funded 11.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $345.6M of equity against $3.0B of assets. Capital ranks banks on that cushion, and Unity Bancorp scores 54/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Unity Bancorp scores 94/100 on it among other banks.

Credit Quality

Not available for Unity Bancorp, and counted as zero in the overall score.

Stability

Unity Bancorp reported net income of $58.0M in fiscal year 2025, against $41.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Unity Bancorp scores 63/100 among other banks.

Piotroski F-Score Partial

5/6

Unity Bancorp passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.77x

For every $1 of reported earnings, Unity Bancorp generates $0.77 in operating cash flow ($44.9M OCF vs $58.0M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$33.7M

YoY-1.8%

QoQ+0.4%

5Y CAGR+9.6%

10Y CAGR+11.3%

Unity Bancorp generated $33.7M in revenue in Q2 2026. This represents a decrease of 1.8% from the same quarter a year earlier. Against the prior quarter it is up 0.4%.

Net Income

$14.5M

YoY-12.2%

QoQ+1.3%

5Y CAGR+11.4%

10Y CAGR+17.8%

Unity Bancorp reported $14.5M in net income in Q2 2026. This represents a decrease of 12.2% from the same quarter a year earlier. Against the prior quarter it is up 1.3%.

EPS (Diluted)

$1.42

YoY-11.8%

QoQ+1.4%

5Y CAGR+12.2%

10Y CAGR+16.8%

Unity Bancorp earned $1.42 per diluted share (EPS) in Q2 2026. This represents a decrease of 11.8% from the same quarter a year earlier. Against the prior quarter it is up 1.4%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

-$38.8M

YoY-57.9%

QoQ-367.9%

Unity Bancorp recorded an outflow of $38.8M in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents a decrease of 57.9% from the same quarter a year earlier. Against the prior quarter it is down 367.9%.

Cash & Debt

$250.3M

YoY-14.8%

QoQ+9.2%

5Y CAGR+2.4%

Unity Bancorp held $250.3M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.16

YoY+14.3%

QoQ0.0%

Unity Bancorp paid $0.16 per share in dividends in Q2 2026. This represents an increase of 14.3% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

10M

YoY+0.1%

QoQ0.0%

5Y CAGR-0.6%

10Y CAGR+1.7%

Unity Bancorp had 10M shares outstanding in Q2 2026. This represents an increase of 0.1% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

42.9%

YoY-5.1pp

QoQ+0.4pp

5Y change+3.4pp

10Y change+18.5pp

Unity Bancorp's net profit margin was 42.9% in Q2 2026, showing the share of revenue converted to profit. This is down 5.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.4 percentage points.

Return on Equity

3.9%

YoY-1.3pp

QoQ-0.1pp

5Y change-0.6pp

10Y change+0.6pp

Unity Bancorp's ROE was 3.9% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 1.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

QoQ-100.0%

Unity Bancorp repurchased no shares in Q2 2026. Against the prior quarter it is down 100.0%.

Capital Expenditures

$94K

YoY-49.7%

QoQ-77.9%

5Y CAGR-12.9%

10Y CAGR-24.0%

Unity Bancorp invested $94K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 49.7% from the same quarter a year earlier. Against the prior quarter it is down 77.9%.

R&D Spending

Not reported for Q2 2026.

UNTY Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UNTY quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$135.4M	$131.8M+23.1%	$107.1M+3.8%	$103.1M+5.1%	$98.2M+10.2%	$89.1M+15.1%	$77.4M+15.3%	$67.1M+6.9%	$62.8M+16.0%	$54.1M+9.8%	$49.3M+18.2%	$41.7M+13.4%	$36.8M+8.1%	$34.0M-2.1%	$34.8M+0.4%	$34.6M
SG&A Expenses	$39.1M	$32.2M+8.2%	$29.7M+2.4%	$29.1M+7.8%	$26.9M+8.8%	$24.8M+7.1%	$23.1M+11.9%	$20.7M+2.7%	$20.1M+17.5%	$17.1M+14.5%	$15.0M+4.6%	$14.3M+12.1%	$12.8M+4.1%	$12.3M-2.5%	$12.6M+6.6%	$11.8M
Interest Expense	$58.3M	$56.6M-0.9%	$57.1M+17.8%	$48.5M+356.2%	$10.6M+37.3%	$7.7M-46.5%	$14.5M-19.8%	$18.1M+33.6%	$13.5M+43.0%	$9.5M+7.8%	$8.8M+14.5%	$7.7M+4.8%	$7.3M+11.9%	$6.5M-16.0%	$7.8M-26.3%	$10.6M
Income Tax	$17.1M	$17.6M+35.7%	$12.9M-2.6%	$13.3M+2.5%	$13.0M+7.9%	$12.0M+60.7%	$7.5M+12.2%	$6.7M+23.6%	$5.4M-43.5%	$9.5M+31.5%	$7.3M+50.8%	$4.8M+53.0%	$3.1M+22.5%	$2.6M+15.3%	$2.2M+189.5%	$769K
Net Income	$58.6M	$58.0M+39.8%	$41.5M+4.4%	$39.7M+3.3%	$38.5M+6.5%	$36.1M+52.8%	$23.6M0.0%	$23.7M+7.9%	$21.9M+70.0%	$12.9M-2.4%	$13.2M+38.2%	$9.6M+49.1%	$6.4M+25.3%	$5.1M+20.5%	$4.2M+66.7%	$2.5M
EPS (Basic)	N/A	$5.78+40.0%	$4.13+6.2%	$3.89+6.3%	$3.66+5.5%	$3.47+57.0%	$2.21+1.4%	$2.18+6.9%	$2.04+67.2%	$1.22-12.9%	$1.40+35.9%	$1.03+25.6%	$0.82+49.1%	$0.55+57.1%	$0.35+169.2%	$0.13
EPS (Diluted)	$5.75	$5.67+39.7%	$4.06+5.7%	$3.84+7.0%	$3.59+4.7%	$3.43+56.6%	$2.19+2.3%	$2.14+6.5%	$2.01+67.5%	$1.20-13.0%	$1.38+35.3%	$1.02+25.9%	$0.81+52.8%	$0.53+55.9%	$0.34	$0.13
Diluted Shares (Avg)	N/A	10M+0.2%	10M-1.3%	10M-3.4%	11M+1.5%	11M-2.5%	11M-1.9%	11M+1.0%	11M+1.6%	11M+12.3%	10M+2.0%	9M+18.1%	8M+1.7%	8M+0.2%	8M	8M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Revenue	$33.7M-1.8%	$33.6M+14.5%	$35.3M+24.2%	$32.8M+18.7%	$34.4M+35.0%	$29.4M+14.8%	$28.4M+6.8%	$27.7M+8.1%
SG&A Expenses	$8.7M+6.2%	$8.7M+9.8%	$13.3M+5.5%	$8.4M+15.9%	$8.2M+14.6%	$7.9M+7.4%	$12.6M+7.5%	$7.3M-2.2%
Interest Expense	$14.8M+5.4%	$14.4M+6.6%	$14.5M+5.3%	$14.5M-1.3%	$14.0M-3.6%	$13.6M-3.9%	$13.8M+0.3%	$14.7M+9.2%
Income Tax	$4.2M-17.0%	$4.2M+9.7%	$4.2M+41.5%	$4.5M+22.2%	$5.0M+62.7%	$3.8M+19.6%	$3.0M-9.0%	$3.7M+18.2%
Net Income	$14.5M-12.2%	$14.3M+23.2%	$15.5M+34.5%	$14.4M+32.0%	$16.5M+74.4%	$11.6M+21.0%	$11.5M+17.8%	$10.9M+9.6%
EPS (Basic)	$1.44-12.2%	$1.43+24.3%	$1.55+34.8%	$1.43+31.2%	$1.64+74.5%	$1.15+21.1%	$1.15+18.6%	$1.09+11.2%
EPS (Diluted)	$1.42-11.8%	$1.40+23.9%	$1.52+34.5%	$1.41+31.8%	$1.61+75.0%	$1.13+20.2%	$1.13+17.7%	$1.07+10.3%
Diluted Shares (Avg)	10M+0.1%	10M-0.5%	N/A	10M+0.8%	10M+0.6%	10M-0.3%	N/A	10M-1.1%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

UNTY Balance Sheet

UNTY quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$3.0B+11.8%	$2.7B+2.9%	$2.6B+5.5%	$2.4B+20.2%	$2.0B+3.8%	$2.0B+14.0%	$1.7B+8.9%	$1.6B+8.5%	$1.5B+22.3%	$1.2B+9.7%	$1.1B+7.5%	$1.0B+9.5%	$921.1M+12.4%	$819.7M+1.1%	$810.8M
Cash & Equivalents	$216.5M+20.0%	$180.4M-7.4%	$194.8M+69.7%	$114.8M-53.1%	$244.8M+11.6%	$219.3M+38.8%	$158.0M+8.6%	$145.5M-3.2%	$150.3M+41.9%	$105.9M	N/A	N/A	$99.4M+5.5%	$94.2M+14.1%	$82.6M
Short-Term Investments	$0	$0	$0-100.0%	$95.4M	$0	$0	$0	$0	$0	$0	N/A	N/A	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	$0	$0	$0
Goodwill	$1.5M0.0%	$1.5M0.0%	$1.5M+1.1%	$1.5M0.0%	$1.5M0.0%	$1.5M0.0%	$1.5M-1.1%	$1.5M0.0%	$1.5M0.0%	$1.5M+1.1%	$1.5M0.0%	$1.5M0.0%	$1.5M	N/A	N/A
Total Liabilities	$2.6B+11.1%	$2.4B+1.8%	$2.3B+5.0%	$2.2B+20.7%	$1.8B+2.4%	$1.8B+14.6%	$1.6B+8.2%	$1.4B+7.7%	$1.3B+23.4%	$1.1B+7.7%	$1.0B+7.2%	$938.7M+8.6%	$863.9M+16.4%	$742.2M+0.7%	$737.3M
Long-Term Debt	N/A	$230.8M-37.1%	$366.7M-6.8%	$393.3M+681.8%	$50.3M-76.1%	$210.3M-28.3%	$293.3M+33.1%	$220.3M-22.8%	$285.3M+117.3%	$131.3M+22.2%	$107.5M-23.5%	$140.5M+14.7%	$122.5M+35.4%	$90.5M	N/A
Total Equity	$345.6M+16.9%	$295.6M+13.1%	$261.4M+9.3%	$239.2M+16.3%	$205.7M+18.3%	$173.9M+8.2%	$160.7M+16.0%	$138.5M+17.3%	$118.1M+11.1%	$106.3M+35.5%	$78.5M+11.9%	$70.1M+22.7%	$57.2M-26.2%	$77.5M+5.4%	$73.6M
Retained Earnings	$243.9M+7.3%	$227.3M+19.0%	$191.1M+21.8%	$157.0M+27.6%	$123.0M+35.7%	$90.7M+28.7%	$70.4M+40.4%	$50.2M+61.2%	$31.1M+50.0%	$20.7M+6.0%	$19.6M+74.8%	$11.2M+100.0%	$5.6M+213.1%	$1.8M+309.4%	-$854K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Total Assets	$3.2B+9.1%	$3.0B+9.4%	$3.0B+11.8%	$2.9B+9.1%	$2.9B+12.7%	$2.8B+7.8%	$2.7B+2.9%	$2.6B+2.8%
Cash & Equivalents	$250.3M-14.8%	$229.2M+8.3%	$216.5M+20.0%	$203.5M+4.6%	$293.7M+48.8%	$211.6M+15.6%	$180.4M-7.4%	$194.5M+20.5%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$1.5M0.0%	$1.5M0.0%	$1.5M0.0%	$1.5M	$1.5M	$1.5M	$1.5M0.0%	N/A
Total Liabilities	$2.8B+8.2%	$2.7B+8.4%	$2.6B+11.1%	$2.5B+8.1%	$2.6B+12.2%	$2.5B+7.0%	$2.4B+1.8%	$2.4B+1.8%
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	$230.8M-37.1%	N/A
Total Equity	$371.8M+16.2%	$358.1M+17.0%	$345.6M+16.9%	$334.0M+17.5%	$319.8M+17.0%	$306.1M+14.8%	$295.6M+13.1%	$284.3M+12.6%
Retained Earnings	$269.5M+6.7%	$256.6M+8.0%	$243.9M+7.3%	$265.5M+22.3%	$252.6M+21.7%	$237.5M+19.1%	$227.3M+19.0%	$217.1M+18.9%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

UNTY Cash Flow Statement

UNTY quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$27.6M	$44.9M-6.4%	$48.0M+2.3%	$46.9M+9.9%	$42.7M+31.2%	$32.5M+45.7%	$22.3M-32.8%	$33.2M-14.0%	$38.6M+167.1%	$14.4M+64.4%	$8.8M+194.7%	$3.0M-74.5%	$11.7M+2.4%	$11.4M-14.0%	$13.3M-18.6%	$16.4M
Depreciation & Amortization	N/A	$1.4M-6.7%	$1.5M+7.1%	$1.4M0.0%	$1.4M-12.5%	$1.6M0.0%	$1.6M-5.9%	$1.7M+6.3%	$1.6M+14.3%	$1.4M+25.8%	$1.1M+12.4%	$990K-1.0%	$1.0M-16.7%	$1.2M+9.1%	$1.1M0.0%	$1.1M
Stock-Based Compensation	N/A	$2.1M+14.8%	$1.8M+4.1%	$1.8M+4.2%	$1.7M+4.0%	$1.6M+14.6%	$1.4M+11.0%	$1.3M+20.7%	$1.1M+41.2%	$746K+36.9%	$545K+21.1%	$450K+13.1%	$398K+17.1%	$340K+9.7%	$310K+40.3%	$221K
Capital Expenditures	$617K	$564K-18.6%	$693K-27.4%	$955K-35.6%	$1.5M+18.7%	$1.2M+123.4%	$559K-21.2%	$709K-53.0%	$1.5M-0.1%	$1.5M-84.3%	$9.6M+908.9%	$951K+59.3%	$597K-87.5%	$4.8M+163.6%	$1.8M+5.9%	$1.7M
Free Cash Flow	$26.8M	$44.3M-6.2%	$47.3M+2.9%	$46.0M+11.6%	$41.2M+31.7%	$31.3M+43.7%	$21.8M-33.0%	$32.5M-12.4%	$37.1M+186.6%	$12.9M+1703.5%	-$807K-139.7%	$2.0M-81.7%	$11.1M+67.1%	$6.7M-42.1%	$11.5M-21.5%	$14.6M
Investing Cash Flow	-$275.4M	-$256.8M-176.7%	-$92.8M-60.4%	-$57.8M+89.3%	-$541.3M-1236.0%	-$40.5M+76.9%	-$175.4M-31.7%	-$133.1M+5.4%	-$140.7M+36.0%	-$219.6M-168.4%	-$81.8M	N/A	N/A	N/A	-$5.6M-116.6%	$33.7M
Financing Cash Flow	$204.4M	$248.0M+713.5%	$30.5M-66.5%	$90.9M-75.3%	$368.6M+1000.5%	$33.5M-84.4%	$214.3M+90.7%	$112.4M+15.5%	$97.3M-61.0%	$249.5M+174.9%	$90.8M	N/A	N/A	N/A	$3.9M+134.6%	-$11.4M
Dividends Paid	$6.0M	$5.6M+11.7%	$5.0M+6.4%	$4.7M+8.0%	$4.4M+20.9%	$3.6M+9.7%	$3.3M+1.3%	$3.3M+16.2%	$2.8M+17.7%	$2.4M+56.2%	$1.5M+37.4%	$1.1M+46.5%	$757K+302.7%	$188K	N/A	N/A
Share Buybacks	$3.4M	$5.0M-18.9%	$6.2M-60.4%	$15.7M+37261.9%	$42K-99.0%	$4.2M-43.7%	$7.4M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Operating Cash Flow	-$38.7M-58.7%	$14.9M-16.4%	$6.8M-70.3%	$44.6M+152.8%	-$24.4M-189.0%	$17.9M+13.3%	$23.0M-7.6%	$17.7M+32.4%
Stock-Based Compensation	N/A	$556K+12.8%	N/A	N/A	N/A	$493K+3.6%	N/A	N/A
Capital Expenditures	$94K-49.7%	$425K+52.3%	-$116K-65.8%	$214K+54.0%	$187K+36.5%	$279K+257.7%	$339K+110.6%	$139K-35.0%
Free Cash Flow	-$38.8M-57.9%	$14.5M-17.5%	$6.7M-70.4%	$44.4M+153.6%	-$24.6M-186.5%	$17.6M+12.1%	$22.7M-8.3%	$17.5M+33.5%
Investing Cash Flow	-$89.8M-149.6%	-$47.5M+42.6%	-$69.9M-57.9%	-$68.2M-46.7%	-$36.0M-3844.8%	-$82.8M-2636.1%	-$44.2M-1265.0%	-$46.5M-1850.6%
Financing Cash Flow	$149.7M+5.0%	$45.2M-52.9%	$76.1M+962.1%	-$66.7M-357.1%	$142.5M+550.3%	$96.1M+491.7%	$7.2M+54.7%	$25.9M+3604.3%
Dividends Paid	$1.6M+16.6%	$1.5M+13.9%	$1.5M+15.2%	$1.4M+15.9%	$1.4M+8.3%	$1.4M+7.5%	$1.3M+7.8%	$1.2M+6.8%
Share Buybacks	$0	$324K	$3.1M+28090.9%	$0-100.0%	N/A	N/A	$11K-99.2%	$281K-69.4%

Not reported in any period shown, so not listed: Depreciation & Amortization.

UNTY Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UNTY quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	44.0%+5.2pp	38.7%+0.2pp	38.5%-0.7pp	39.2%-1.4pp	40.5%+10.0pp	30.6%-4.7pp	35.2%+0.3pp	34.9%+11.1pp	23.8%-3.0pp	26.8%+3.9pp	22.9%+5.5pp	17.4%+2.4pp	15.0%+2.8pp	12.2%+4.9pp	7.3%
Return on Equity	16.8%+2.7pp	14.0%-1.2pp	15.2%-0.9pp	16.1%-1.5pp	17.6%+4.0pp	13.6%-1.1pp	14.7%-1.1pp	15.8%+4.9pp	10.9%-1.5pp	12.4%+0.2pp	12.2%+3.0pp	9.1%+0.2pp	8.9%+3.5pp	5.5%+2.0pp	3.5%
Return on Assets	1.9%+0.4pp	1.6%0.0pp	1.5%0.0pp	1.6%-0.2pp	1.8%+0.6pp	1.2%-0.2pp	1.4%0.0pp	1.4%+0.5pp	0.9%-0.2pp	1.1%+0.2pp	0.9%+0.2pp	0.6%+0.1pp	0.6%0.0pp	0.5%+0.2pp	0.3%
Debt-to-Equity	7.58+6.8x	0.78-0.6x	1.40-0.2x	1.64+1.4x	0.24-1.0x	1.21-0.6x	1.83+0.2x	1.59-0.8x	2.42+1.2x	1.24-0.1x	1.37-0.6x	2.00-0.1x	2.14+1.0x	1.17-8.9x	10.02
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	33.6%-10.5pp	44.2%-0.4pp	44.6%+2.6pp	42.0%+6.8pp	35.1%+7.0pp	28.1%-20.3pp	48.4%-10.7pp	59.1%+35.2pp	23.9%+25.6pp	-1.6%-6.5pp	4.9%-25.4pp	30.2%+10.7pp	19.6%-13.5pp	33.1%-9.2pp	42.3%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Net Margin	42.9%-5.1pp	42.5%+3.0pp	43.9%+3.4pp	43.8%+4.4pp	48.0%+10.8pp	39.5%+2.0pp	40.5%+3.8pp	39.4%+0.5pp
Return on Equity	3.9%-1.3pp	4.0%+0.2pp	4.5%+0.6pp	4.3%+0.5pp	5.2%+1.7pp	3.8%+0.2pp	3.9%+0.1pp	3.8%-0.1pp
Return on Assets	0.4%-0.1pp	0.5%+0.1pp	0.5%+0.1pp	0.5%+0.1pp	0.6%+0.2pp	0.4%0.0pp	0.4%+0.1pp	0.4%0.0pp
Debt-to-Equity	7.59-0.6x	7.45-0.6x	7.58+6.8x	7.61-0.7x	8.16-0.3x	8.04-0.6x	0.78-0.6x	8.27-0.9x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	-115.1%	43.1%-16.7pp	19.0%-60.8pp	135.3%	-71.6%-37.9pp	59.9%-1.5pp	79.8%-13.2pp	63.3%+12.0pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Unity Bancorp UNTY	FY2025	$131.8M	$58.0M	44.0%	$555.8M	62/100
Guaranty Bancshares, Inc. GNTY	FY2024	$118.6M	$31.5M	26.6%	$553.2M	37/100
Peoples Financial Services Corp. PFIS	FY2025	$187.7M	$59.2M	31.5%	$693.6M	37/100
Northfield Bancorp, Inc. NFBK	FY2025	$154.3M	$796K	0.5%	$639.4M	29/100
South Plains Financial, Inc. SPFI	FY2025	$211.9M	$58.5M	27.6%	$810.5M	47/100
Eagle Bancorp Inc EGBN	FY2025	$299.2M	-$138.1M	-46.1%	$865.1M	17/100

Where Unity Bancorp Ranks

Frequently Asked Questions

What is Unity Bancorp's annual revenue?

Unity Bancorp (UNTY) reported $131.8M in total revenue for fiscal year 2025. This represents a 23.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Unity Bancorp's revenue growing?

Unity Bancorp (UNTY) revenue grew by 23.1% year-over-year, from $107.1M to $131.8M in fiscal year 2025.

Is Unity Bancorp profitable?

Yes, Unity Bancorp (UNTY) reported a net income of $58.0M in fiscal year 2025, with a net profit margin of 44.0%.

What is Unity Bancorp's net profit margin?

Unity Bancorp (UNTY) had a net profit margin of 44.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Unity Bancorp pay dividends?

Yes, Unity Bancorp (UNTY) paid $0.58 per share in dividends during fiscal year 2025.

What is Unity Bancorp's return on equity (ROE)?

Unity Bancorp (UNTY) has a return on equity of 16.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Unity Bancorp's free cash flow?

Unity Bancorp (UNTY) generated $44.3M in free cash flow during fiscal year 2025. This represents a -6.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Unity Bancorp's operating cash flow?

Unity Bancorp (UNTY) generated $44.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Unity Bancorp's total assets?

Unity Bancorp (UNTY) had $3.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Unity Bancorp's capital expenditures?

Unity Bancorp (UNTY) invested $564K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Unity Bancorp buy back shares?

Yes, Unity Bancorp (UNTY) spent $5.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Unity Bancorp have outstanding?

Unity Bancorp (UNTY) had 10M shares outstanding as of fiscal year 2025.

What is Unity Bancorp's debt-to-equity ratio?

Unity Bancorp (UNTY) had a debt-to-equity ratio of 7.58 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Unity Bancorp's return on assets (ROA)?

Unity Bancorp (UNTY) had a return on assets of 1.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Unity Bancorp's P/E ratio?

Unity Bancorp (UNTY) trades at 9.5x earnings, its market capitalization divided by net income of $58.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $555.8M as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Unity Bancorp's price-to-sales ratio?

Unity Bancorp (UNTY) trades at 4.1x sales, its market capitalization divided by revenue of $135.4M revenue, trailing 12 months to June 30, 2026. The market capitalization is $555.8M as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Unity Bancorp's Piotroski F-Score?

Unity Bancorp (UNTY) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Unity Bancorp's earnings high quality?

Unity Bancorp (UNTY) has an earnings quality ratio of 0.77x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Unity Bancorp?

Unity Bancorp (UNTY) scores 62 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.