Welcome to our dedicated page for Unity Bancorp SEC filings (Ticker: UNTY), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Unity Bancorp, Inc. (NASDAQ: UNTY) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a New Jersey‑incorporated bank holding company. Unity Bancorp files reports with the U.S. Securities and Exchange Commission as the parent of Unity Bank, a New Jersey state‑chartered commercial bank, and uses these filings to report material events, financial results and governance changes.
Investors can review current reports on Form 8‑K, where Unity Bancorp discloses quarterly earnings, dividend declarations, executive leadership changes and amendments to compensation arrangements. For example, the company has filed 8‑K reports describing results of operations and financial condition for specific quarters, announcing cash dividends on common shares under Item 8.01 (Other Events), and detailing promotions to President and Chief Financial Officer roles under Item 5.02 (Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers).
Another 8‑K filing outlines an amendment to Unity Bank’s Deferred Compensation Plan, explaining how interest is credited on installment distributions based on the Prime Rate plus a margin, subject to minimum and maximum rates. Such filings give insight into executive compensation structures and long‑term benefit plans at the bank.
Alongside 8‑K reports, Unity Bancorp also files annual reports on Form 10‑K and quarterly reports on Form 10‑Q, which contain detailed information on its commercial banking activities, risk factors and financial statements. On Stock Titan, AI‑powered tools summarize lengthy filings, highlight key sections and help explain technical disclosures, allowing users to quickly understand Unity Bancorp’s reported earnings, capital actions and governance updates. The filings page also surfaces insider‑related information reported on forms such as Form 4, enabling users to monitor transactions by directors and executive officers.
Unity Bancorp, Inc. is asking shareholders to vote at its virtual 2026 annual meeting on April 23, 2026. Owners of 10,016,427 common shares as of February 27, 2026 can vote on electing five directors and ratifying Wolf & Company P.C. as independent auditors for 2026.
The company highlights strong 2025 performance, with diluted EPS rising from $4.06 to $5.67, a 20.06% total shareholder return, ROE of 18.07%, ROA of 2.17%, and a 4.52% net interest margin. Assets were about $3.0 billion and deposits $2.3 billion.
Executive pay is positioned as pay-for-performance. CEO James Hughes earned $2.70 million in 2025, including salary, cash incentives, equity awards, and retirement/deferred benefits, for a CEO pay ratio of 37:1 versus the median employee. Bonuses for top executives were tied to pre-provision net revenue returns versus peers and individual goals, with payouts at 122.5% of target for the CEO and President.
The proxy details a largely independent board, committee structure, stock ownership, and governance policies such as a clawback policy, prohibition on hedging and speculative trading in company stock, double-trigger change-in-control protections, and the absence of tax gross-ups. It also outlines change-in-control and severance benefits, including accelerated vesting of equity, for key executives under specified termination scenarios.
Unity Bancorp, Inc. filed its annual report describing a community-focused commercial banking business centered on New Jersey and eastern Pennsylvania, with most revenue from net interest income. The bank emphasizes small and mid-sized business customers and relies heavily on real estate lending and core deposits for funding.
As of December 31, 2025, about 96% of loans were secured by real estate and commercial real estate, including construction, represented 56.6% of the loan portfolio. The allowance for credit losses was $32.3 million, or 1.27% of total loans and 108.40% of nonaccrual loans. Time deposits totaled $882.9 million, 38.0% of deposits, with 21.7% of deposits uninsured or uncollateralized.
The report highlights extensive regulatory oversight, capital rules under Basel III, and concentration risk in commercial real estate and SBA lending. It also outlines risks from interest rates, liquidity, competition (including fintech, stablecoins and potential public banking), cybersecurity, climate events, pandemics, artificial intelligence, and evolving laws and regulations.
Unity Bancorp, Inc. announced that its Board of Directors has declared a higher quarterly cash dividend of $0.16 per common share, a 7% increase. The dividend will be paid on March 20, 2026 to shareholders of record as of March 6, 2026.
Management links the higher dividend to strong financial performance, disciplined balance sheet management and a focus on maintaining solid capital levels while supporting sustainable growth. Unity Bancorp is a financial services organization headquartered in Clinton, New Jersey with approximately $3.0 billion in assets and $2.3 billion in deposits.
UNITY BANCORP INC /NJ/ CEO James A. Hughes exercised stock options and sold shares on February 18, 2026. He exercised 1,500 stock options (Stock Option – Right to Buy) and received 1,500 shares of common stock at an exercise price of $8.95 per share.
On the same day, he completed an open-market sale of 1,500 shares of common stock at $54.50 per share, leaving 173,013 common shares held directly, as detailed across several accounts. Following these transactions, he also holds 89,000 fully exercisable stock options and 41,824 restricted shares, which include dividend reinvestment shares and upcoming vesting dates.
Unity Bancorp, Inc. common stock ownership was reported in an amended Schedule 13G by The Banc Funds Company, L.L.C. d/b/a 1st and Main Growth Partners, together with affiliated funds. The filing shows beneficial ownership of 375,469 shares of common stock, representing 3.7% of the class.
The reporting person has sole power to vote and dispose of these 375,469 shares, with no shared voting or dispositive power. Several affiliated entities report zero beneficial ownership. The filer certifies the shares were not acquired or held to change or influence control of Unity Bancorp.
Unity Bancorp officer James Joseph Donovan, the company’s Chief Lending Officer and FSVP, reported a small insider stock sale. On January 29, 2026, he sold 265 shares of common stock at a price of $52.11 per share, leaving him with no unrestricted common shares.
Following this transaction, his reported beneficial holdings consist of 5,200 shares of restricted stock, held in an account at Computershare with upcoming vesting dates. Total reported beneficial ownership after the sale is 5,200 shares, all in restricted form.
A shareholder has filed a notice of proposed sale under Rule 144 for 265 shares of common stock, with an aggregate market value of $13,809.18. The shares are expected to be sold on or about January 29, 2026 through Morgan Stanley Smith Barney LLC on the NASDAQ.
The 265 shares were acquired as restricted stock from the issuer on January 27, 2026, with the same date listed as the payment date. The filing also notes that James Donovan sold 777 common shares in the past three months for gross proceeds of $43,566.39, and reports 10,039,444 common shares outstanding for the issuer.
Unity Bancorp Chief Retail Officer/SVP Daniel Sharabba reported routine equity compensation activity. On January 27, 2026, 186 restricted shares were withheld at $52.33 per share to cover taxes on 438 vesting shares, and he received a grant of 2,000 restricted shares at no cost.
The new grant vests in four equal installments of 500 shares each year from January 27, 2027 through January 27, 2030. Following these updates, he beneficially owns 6,007 shares in total, including 4,885 shares in a Computershare account and 1,122 shares in a Shareworks account.
Unity Bancorp’s Chief Credit Officer and SVP, Minsu Kim, reported routine equity compensation changes. On 01/27/2026, 170 restricted shares were withheld at $52.33 per share to cover taxes on 400 vesting restricted shares.
On the same date, Kim received a grant of 2,000 restricted shares under the 2023 Equity Compensation Plan, vesting in four annual installments of 500 shares each from 01/27/2027 through 01/27/2030. Following these transactions, Kim holds 4,751 restricted shares in a Computershare account, including dividend reinvested shares, and 1,021 common shares in a Shareworks account.