UNITY BANCORP INC (UNTY)
Financials · Community banking · NASDAQ
A New Jersey-based community bank holding company generating revenue primarily from net interest income on commercial and residential lending to small-to-medium-sized businesses and professionals.
What UNITY BANCORP INC does
Unity Bancorp is a bank holding company that owns and supervises Unity Bank, a community-focused commercial bank based in New Jersey. The bank derives the majority of its revenue from net interest income on loans and securities, and offers traditional banking services including checking/savings accounts, commercial and residential lending, credit/debit cards, and treasury solutions. It serves small-to-medium-sized businesses, professionals, and municipalities across its service area.
Themes: ["community banking","small-to-medium business lending","residential real estate","commercial real estate","deposit gathering"]
Fundamentals
- Price$56.32 as of 2026-07-09 close
- Market cap$562M as of 2026-07-10
- 1-year return+7.6% as of 2026-07-09 close
- P/E9.27 as of 2026-07-10
- Net margin+38.7% as of 2026-07-10
- ROE+17.9% as of 2026-07-10
- Debt / equity0.03 as of 2026-07-10
- Revenue growth (YoY)+46.8% as of 2026-07-10
- Beta0.65 as of 2026-07-10
Dividend: yield +1.2%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Interest rate environment risk — changes in interest rates may reduce net interest margins and profitability","Credit risk — loan origination volumes, prepayment speeds, and charge-offs may vary substantially and impact credit loss provisions","Competitive and regulatory pressures — increased competition from other financial institutions and potential adverse legislative or regulatory changes"]
Competitors & peers
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.