UNITY BANCORP INC (UNTY)
Financials · Community Banking · NASDAQ
A community-focused bank holding company generating strong net interest margins through commercial lending and deposit-funded operations in the mid-Atlantic region.
What UNITY BANCORP INC does
Unity Bancorp is a bank holding company that owns and supervises Unity Bank, a community-oriented commercial bank serving small and medium-sized businesses, professionals, municipalities, and individuals. The bank generates revenue primarily from net interest income (interest on loans and securities minus interest paid on deposits and borrowings) and offers traditional banking services including checking and savings accounts, commercial and residential loans, credit/debit cards, and treasury solutions.
Themes: community banking, commercial lending, retail banking, treasury solutions
Fundamentals
- Price$59.44 as of 2026-08-21 close
- Market cap$597M as of 2026-08-21
- 1-year return+22.4% 2025-08-21 close $48.58 → 2026-08-21 close $59.44
- P/E10.60 as of 2026-08-24
- Net margin+38.7% as of 2026-08-24
- ROE+16.6% as of 2026-08-24
- Debt / equity0.03 as of 2026-08-24
- Revenue growth (YoY)+46.8% as of 2026-08-24
- Beta0.67 as of 2026-08-24
- Last reported earnings2026-07-14 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +1.8%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How UNTY compares in its sector
- price-to-earnings ratiobottom 25% 525 covered Financials peers, as of 2026-08-24
- net profit margintop 10% 538 covered Financials peers, as of 2026-08-24
- operating margintop 10% 534 covered Financials peers, as of 2026-08-24
- return on equitytop 25% 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldbottom 25% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, UNTY's dividend was covered by reported results (earnings payout 10%, free-cash-flow payout 13%). This describes past coverage, not a forecast.
- Earnings payout10% dividends / net income
- Free-cash-flow payout13% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How UNITY BANCORP INC looks technically
UNITY BANCORP INC (UNTY) is trading 10.2% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 689 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 51, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative). It made a new 20-day high about 6 trading days ago. It is 4.9% below its all-time high.
Trend
7
| Distance from the 200-day | it is trading 10.2% above its 200-day average, the long-term trend line — a longer-term uptrend | +10.2% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $58.10 | $58.10 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $53.95 | $53.95 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 689 trading days ago — a "golden cross", a bullish long-term signal | 689 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend) | 18.8 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 51, neither overbought (above 70) nor oversold (below 30) | 51.2 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($58.20 to $62.50) — its "stochastic" reading is 29 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 28.8 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $62.50 | $62.50 |
|---|---|---|
| From the 52-week high | it is 4.9% below its 52-week high (its highest price of the past year) | -4.9% |
| Above the 52-week low | it is 34.1% above its 52-week low (its lowest price of the past year) | +34.1% |
| Below the 52-week high | it is 4.9% below its highest point of the past year | 4.9% |
| Since a 20-day breakout | it made a new 20-day high about 6 trading days ago | 6 sessions |
| Since a 55-day breakout | it made a new 55-day high about 6 trading days ago | 6 sessions |
| All-time high | its highest closing price on record is $62.50 (set on 2026-08-14) | $62.50 |
| Given back of the 52-week move | over the past year its closes ranged ($45.17 to $61.82), and it has given back only a small part of its rise from last year’s low — 14% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $51.00 to $51.53. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 14.3% |
| From the all-time high | it is 4.9% below its all-time high | -4.9% |
| Nearest price level | it is trading 1.8% below a resistance level at $60.48 — a price it turned at twice since 2026-06-26, most recently on 2026-07-16. Since 2024-08-21 it has 10 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +1.8% |
| All-time low | its lowest closing price on record is $1.31 (set on 2000-12-29) | $1.31 |
| Above the all-time low | it is 4422.4% above its all-time low | +4,422% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 88% of it) | 12th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.46 between its high and its low — about 2.5% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.46 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $57.74 and $61.89 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $57.74 – $59.81 – $61.89 |
| Typical daily range (% of price) | its price moves about 2.5% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.5% |
| Stretch from the 200-day average | it is trading 3.8 daily ranges above its 200-day average price (10.2% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.8 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.20× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
1
| Since a doji | 1 session ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 1 session ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-08-21 1.5% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +1.5% |
|---|---|---|
| Open gap | it gapped 3.4% above the previous close 19 sessions ago and has not traded back through the level it left behind at 56.87 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +3.4% |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 1.5 percentage points (the stock gained 3.8% while the market gained 2.3%) | +1.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 4.4 percentage points (the stock gained 7.5% while the market gained 3.1%) | +4.4% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 1.5 percentage points (the stock gained 9.6% while the market gained 11.1%) | -1.5% |
| vs market, 12 months | over the past 12 months this stock beat the market by 1.9 percentage points (the stock gained 22.4% while the market gained 20.5%) | +1.9% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: MACD momentum is negative, lagging the market over 6 months — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 5.1% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-15 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 0.4% of the share price, which is taken to mean a barrier that gives way easily. | +5.1% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 8% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $55.15 — a volume-weighted average of daily closes over 159 sessions, not a true tick-by-tick VWAP. | +7.8% |
|---|---|---|
| Vs the average paid since it last reported | the price is 1% above the average price paid since it last reported on 2026-07-14 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $58.78 — a volume-weighted average of daily closes over 28 sessions, not a true tick-by-tick VWAP. | +1.1% |
Price levels it has turned at before
UNTY last closed at $59.44 on 2026-08-21. Since 2024-08-21 it has turned at 10 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $60.48 | Resistance | 1.8% above the last close | turned there twice · 2026-06-26 to 2026-07-16 |
| $57.14 | Support | 3.9% below the last close | turned there six times · 2025-12-15 to 2026-06-15 |
| $54.13 | Support | 8.9% below the last close | turned there six times · 2025-07-11 to 2026-06-17 |
| $52.76 | Support | 11.2% below the last close | turned there three times · 2025-08-26 to 2026-07-08 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · MACD just crossed bearish (12/26/9) · trendless / choppy (low ADX) · Near the all-time high · Trading above the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout · all time high
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$68.55 range $66.75 – $72.00; median $68.00
Analyst estimates, as of 2026-08-17. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for UNTY
- Consensus EPS estimate$1.50 next reporting period, as of 2026-08-17
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Changes in interest rate environment impacting net interest margins","Credit risks and potential loan charge-offs","Economic conditions and competitive/technological pressures within the financial services sector"]
What changed in the latest 10-Q
AI-assisted comparison of UNTY's 10-Q filed 2026-05-07 against the prior one filed 2025-11-06.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing references 2025 consolidated audited financial statements (filed 2026-05-07) vs. older filing references 2024 consolidated audited financial statements (filed 2025-11-06)
- Newer filing reports results for three months ended March 31, 2026 vs. older filing reports results for three months ended September 30, 2025
- Newer filing reports net income of $14.3 million, $1.40 per diluted share for Q1 2026 vs. older filing reports $14.4 million, $1.41 per diluted share for Q3 2025
- Newer filing includes highlight about Unity purchasing $5.1 million of tax credits resulting in $0.4 million of tax savings during Q1 2026
- Newer filing reports effective tax rate of 22.7% vs. older filing reports 23.7%
- Newer filing reports tax-equivalent net interest income of $30.7 million (12.8% increase) vs. older filing reports $29.9 million (20.1% increase)
- Newer filing reports net interest margin of 4.53% (7 basis points increase from prior year) vs. older filing reports 4.54% (38 basis points increase from prior year)
- Newer filing reports provision for credit losses of $1.0 million vs. older filing reports $1.3 million
- Newer filing reports noninterest income increase of 36.9% vs. older filing reports 5.9%
- Newer filing reports noninterest expense increase of 11.6% vs. older filing reports 11.7%
- Newer filing reports average equity to average assets of 12.44% vs. older filing reports 12.13%
- Removed:
- Older filing's disclosure about Unity converting debt security issued by Patriot National Bancorp, Inc. into restricted common stock with 2.673 million shares valued at $0.75 per share (removed in newer filing)
- Older filing's disclosure about releasing $0.8 million from reserve for credit losses on securities and recognizing $0.2 million unrealized gain through net securities gains (removed in newer filing)
- Older filing included nine-month comparative data (for nine months ended September 30) which is not present in newer filing's quarterly format
- Reworded:
- Newer filing states provision decrease was 'primarily due to qualitative adjustments' vs. older filing stated provision increase was 'primarily due to loan growth'
- Newer filing characterizes net interest margin change as 'primarily due to the decrease in cost of interest-bearing liabilities' vs. older filing stated 'primarily due to the yield on interest-earning assets, complemented by a decrease in the cost of interest-bearing liabilities'
- Newer filing's interest income increase attribution changed to focus on 'increased volume and yield on loans and decreased cost of time deposits' vs. older filing which emphasized 'increased yield and volume on loans and decreased cost on deposits'
- Notes:
- The two filings compare different quarters (Q1 2026 vs. Q3 2025) and different fiscal year comparisons (2026 vs 2025 in newer filing; 2025 vs 2024 in older filing), making some differences attributable to different reporting periods rather than company changes
- The text appears to be truncated in both versions, with the newer filing cutting off mid-sentence in the interest expense discussion
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 1 open-market sale by insiders in the last 90 days.
- Last 90 days0 buys · 1 sell ($88376) — 1 selling insider
- Last 180 days0 buys · 4 sells ($940031) — 3 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-05-27. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about UNTY's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding UNTY as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 681,231
- Reported value $35,308,199
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
UNTY had 125,258 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
UNTY had 1.25% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 1.87 days to cover at the same settlement.
- Reported short interest (shares) 125,258
- Short interest (% of shares outstanding) 1.25%
- Prior settlement (shares) 113,989
- Reported change 9.89%
- Days to cover (reported) 1.87
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Peapack-Gladstone Financial (PGC)
- Lakeland Bancorp (LBAI)
- ConnectOne Bancorp (CNOB)
- Northeast Bank (NBN)
- Provident Financial Services (PFS)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does UNITY BANCORP INC (UNTY) do?
Unity Bancorp is a bank holding company that owns and supervises Unity Bank, a community-oriented commercial bank serving small and medium-sized businesses, professionals, municipalities, and individuals. The bank generates revenue primarily from net interest income (interest on loans and securities minus interest paid on deposits and borrowings) and offers traditional banking services including checking and savings accounts, commercial and residential loans, credit/debit cards, and treasury…
What sector is UNITY BANCORP INC (UNTY) in?
UNITY BANCORP INC (UNTY) is classified in the Financials sector. Its industry is Community Banking. It trades on NASDAQ.
Does UNTY pay a dividend?
Yes — UNITY BANCORP INC (UNTY) pays a dividend, with an indicated yield of about 1.80% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are UNITY BANCORP INC's (UNTY) competitors?
Notable peers of UNITY BANCORP INC (UNTY) include Peapack-Gladstone Financial, Lakeland Bancorp, ConnectOne Bancorp, Northeast Bank and Provident Financial Services. This peer set is informational only — not financial advice.
Is UNITY BANCORP INC (UNTY) overbought or oversold right now?
UNITY BANCORP INC (UNTY) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 51, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on UNTY come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.