UNTY
UNITY BANCORP INC /NJ/Company Information
- Company Name
- UNITY BANCORP INC /NJ/
- CIK
- CIK0000920427
- Category
- Accelerated filer
- Ticker: Exchange
- UNTY: Nasdaq
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6022
- SIC Description
- State Commercial Banks
- Ticker
- UNTY
SEC filing data through
Insider Sentiment
- Last purchase
- —
- Last sale
- 2026-09-03
- Shares purchased (TTM)
- 0
- Shares sold (TTM)
- 26,236
Institutional Sentiment
- As of
- 2026-06-30
- Institutional shares owned
- 5,145,220
- Shares outstanding
- 10,041,000
- Ownership
- 51.24%
Earnings Market Reaction
- Filing date
- 2026-08-06
- Price on filing date
- —
- 1-month reaction
- -2.20%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Small Business Administration Loan | - | - | - | 1 | -3 | 11 | 12 | -14 | 15 | 1 | 18 | -1 | ||||||
| Small Business Administration Portfolio Segment | - | - | - | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | -2 | ||||||
| Financing Receivable Portfolio Segment Loans Held For Sale | 3 | 13 | 9 | - | - | - | 12 | - | - | - | - | - | ||||||
| Financing Receivable Portfolio Segment Loans Held For Investment | 2,664 | 9 | 8 | - | - | - | 9 | - | - | - | - | - | ||||||
| Financing Receivable Portfolio Segment Loans Held For Investment Small Business Administration Loans Held For Investment | 3 | 0 | 0 | - | 1 | 0 | 0 | - | - | - | - | - | ||||||
| Small Business Administration Paycheck Protection Program Loans | - | - | - | - | - | 1 | 1 | -0 | -0 | 2 | 2 | -0 | ||||||
| Commercial Portfolio Segment | 1 | 23 | 22 | -19 | 1 | 19 | 0 | -1 | 0 | 3 | 1 | -15 | ||||||
| Residential Portfolio Segment | - | - | - | 1 | 0 | 1 | - | 0 | -5 | 6 | 103 | 77 | ||||||
| Commercial Portfolio Segment Commercial Loans | 10 | 0 | 1 | - | 1 | - | 1 | - | - | - | - | - | ||||||
| Commercial Portfolio Segment Commercial Construction Loans | 128 | 1 | 58 | - | - | - | 130 | - | - | - | - | - | ||||||
| Residential Portfolio Segment Residential Mortgage Loans | 638 | 31 | 2 | - | 0 | 1 | 1 | - | - | - | - | - | ||||||
| Residential Portfolio Segment Residential Construction Loans | -0 | 0 | 0 | - | -0 | 1 | 37 | - | - | - | - | - | ||||||
| Consumer Portfolio Segment | 1 | 0 | 0 | -0 | -0 | 0 | 2 | -0 | 0 | 2 | 0 | 2 | ||||||
| Residential Construction Loans | - | - | - | 0 | 0 | 0 | 1 | -0 | -0 | 1 | 29 | -0 | ||||||
Assets | ||||||||||||||||||
| Cash And Due From Banks | 28 | 25 | 20 | 21 | 26 | 26 | 20 | 29 | 31 | 21 | 21 | 26 | ||||||
| Interest Bearing Deposits In Banks | 222 | 205 | 197 | 183 | 268 | 185 | 160 | 166 | 166 | 162 | 174 | 135 | ||||||
| Cash Cash Equivalents And Federal Funds Sold | 250 | 229 | 217 | 203 | 294 | 212 | 180 | 195 | 197 | 183 | 195 | 161 | ||||||
Marketable Securities | ||||||||||||||||||
| Debt Securities Available For Sale Excluding Accrued Interest | 67 | 63 | - | 82 | 92 | 90 | 94 | 98 | 99 | 95 | 92 | 92 | ||||||
| Debt Securities Held To Maturity Excluding Accrued Interest Before Allowance For Credit Loss | 38 | 37 | 37 | 37 | 36 | 41 | 41 | 36 | 36 | 36 | 36 | 36 | ||||||
| Equity Securities Fv Ni Current And Noncurrent | 14 | 15 | 17 | 13 | 10 | 11 | 10 | 10 | 10 | 8 | 8 | 8 | ||||||
| Marketable Securities | 119 | 115 | 124 | 131 | 139 | 142 | 145 | 144 | 145 | 139 | 136 | 136 | ||||||
Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | ||||||||||||||||||
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 2,682 | 2,602 | 2,545 | 2,469 | 2,383 | 2,345 | 2,261 | 2,217 | 2,171 | 2,174 | 2,172 | 2,173 | ||||||
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -35 | -33 | -32 | -30 | -29 | -28 | -27 | -27 | -26 | -26 | -26 | -26 | ||||||
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 2,648 | 2,568 | 2,512 | 2,438 | 2,354 | 2,317 | 2,234 | 2,190 | 2,144 | 2,148 | 2,146 | 2,147 | ||||||
| Property Plant And Equipment Net | 18 | 18 | 18 | 18 | 19 | 19 | 19 | 19 | 19 | 19 | 20 | 20 | ||||||
| Bank Owned Life Insurance | 27 | 27 | 27 | 26 | 26 | 26 | 26 | 26 | 25 | 25 | 25 | 25 | ||||||
| Deferred Income Tax Assets Net | 16 | 15 | 15 | 15 | 15 | 15 | 14 | 15 | 13 | 13 | 13 | 13 | ||||||
| Federal Home Loan Bank Stock | 17 | 14 | 14 | 13 | 20 | 14 | 13 | 15 | 15 | 16 | 18 | 20 | ||||||
Loans And Leases Receivable Net Reported Amount | ||||||||||||||||||
| Interest Receivable | 13 | 13 | 13 | 13 | 12 | 13 | 13 | 13 | 13 | 13 | 14 | 16 | ||||||
| Intangible Assets Net Including Goodwill | - | - | - | - | - | - | - | 2 | 2 | 2 | 2 | 2 | ||||||
| Goodwill | 2 | 2 | 2 | 2 | 2 | 2 | 2 | - | - | - | 2 | - | ||||||
| Other Real Estate | 1 | 1 | 1 | - | - | - | - | - | - | - | - | - | ||||||
| Prepaid Expense And Other Assets | 83 | 25 | 24 | 16 | 49 | 9 | 9 | 19 | 23 | 10 | 11 | 22 | ||||||
| Assets | 3,194 | 3,027 | 2,967 | 2,876 | 2,929 | 2,768 | 2,654 | 2,635 | 2,598 | 2,568 | 2,579 | 2,563 | ||||||
Deposits | ||||||||||||||||||
| Noninterest Bearing Deposit Liabilities Domestic | 487 | 451 | 466 | 448 | 465 | 454 | 441 | 424 | 422 | 396 | 420 | 425 | ||||||
| Interest Bearing Deposit Liabilities Domestic | 380 | 378 | 369 | 362 | 322 | 351 | 322 | 325 | 301 | 325 | 313 | 298 | ||||||
| Deposits Savings Deposits | 567 | 583 | 535 | 536 | 506 | 491 | 491 | 525 | 506 | 504 | 565 | 548 | ||||||
| Time Deposits | - | - | - | - | - | - | - | 558 | 560 | 501 | - | 416 | ||||||
| Deposits | 2,463 | 2,379 | 2,324 | 2,267 | 2,187 | 2,175 | 2,100 | 2,046 | 2,011 | 1,961 | 1,924 | 1,885 | ||||||
| Advances From Federal Home Loan Banks | 316 | 248 | 256 | 232 | 377 | 243 | 221 | 267 | 275 | 299 | 356 | 389 | ||||||
| Subordinated Debt | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | ||||||
| Interest Payable Current And Noncurrent | 3 | 2 | 2 | 2 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | ||||||
| Accrued Liabilities And Other Liabilities | 31 | 29 | 29 | 31 | 32 | 31 | 26 | 26 | 27 | 29 | 24 | 25 | ||||||
| Liabilities | 2,823 | 2,669 | 2,621 | 2,542 | 2,609 | 2,462 | 2,358 | 2,351 | 2,324 | 2,301 | 2,317 | 2,311 | ||||||
Stockholders Equity Including Portion Attributable To Noncontrolling Interest | ||||||||||||||||||
| Common Stock Value Outstanding | 107 | 106 | 106 | 105 | 105 | 104 | 104 | 103 | 102 | 102 | 100 | 100 | ||||||
| Retained Earnings Accumulated Deficit | 269 | 257 | 244 | 265 | 253 | 238 | 227 | 217 | 208 | 199 | 191 | 183 | ||||||
| Treasury Stock Common Value | -3 | -3 | -3 | -36 | -36 | -34 | -34 | -34 | -33 | -31 | -27 | -26 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -1 | -1 | -1 | -1 | -2 | -2 | -2 | -2 | -3 | -3 | -3 | -4 | ||||||
| Stockholders Equity | 372 | 358 | 346 | 334 | 320 | 306 | 296 | 284 | 273 | 267 | 261 | 252 | ||||||
| Liabilities And Stockholders Equity | 3,194 | 3,027 | 2,967 | 2,876 | 2,929 | 2,768 | 2,654 | 2,635 | 2,598 | 2,568 | 2,579 | 2,563 | ||||||
Debt Securities Available For Sale Amortized Cost Excluding Accrued Interest After Allowance For Credit Loss | ||||||||||||||||||
| Debt Securities Available For Sale Amortized Cost Allowance For Credit Loss Excluding Accrued Interest | - | - | 0 | - | - | - | 3 | - | - | - | 1 | - | ||||||
| Debt Securities Available For Sale Amortized Cost Excluding Accrued Interest Before Allowance For Credit Loss | - | - | 72 | - | - | - | 100 | - | - | - | - | - | ||||||
| Debt Securities Available For Sale Amortized Cost Excluding Accrued Interest After Allowance For Credit Loss | 69 | 65 | 71 | - | - | - | 94 | - | - | - | - | - | ||||||
Preferred Stock Number Of Shares Par Value And Other Disclosures | ||||||||||||||||||
| Preferred Stock No Par Value | - | - | 0 | - | - | - | 0 | - | - | - | 0 | - | ||||||
| Preferred Stock Shares Authorized | - | - | 1 | - | - | - | 1 | - | - | - | 1 | - | ||||||
| Preferred Stock Shares Issued | - | - | 0 | - | - | - | 0 | - | - | - | 0 | - | ||||||
| Preferred Stock Shares Outstanding | - | - | 0 | - | - | - | 0 | - | - | - | 0 | - | ||||||
Common Stock Number Of Shares Par Value And Other Disclosures | ||||||||||||||||||
| Common Stock No Par Value | - | - | 0 | - | - | - | 0 | - | - | - | 0 | - | ||||||
| Common Stock Shares Authorized | - | - | 12 | - | - | - | 12 | - | - | - | 12 | - | ||||||
| Common Stock Shares Issued | 10 | 10 | 10 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 11 | 11 | ||||||
| Shares Outstanding | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | ||||||
Treasury Stock Number Of Shares And Restriction Disclosures | ||||||||||||||||||
| Treasury Stock Common Shares | 0 | 0 | 0 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialUNITY BANCORP INC /NJ/ (UNTY) — SEC Financial Statements & Analysis
UNITY BANCORP INC /NJ/ (UNTY) is a state commercial banks company, incorporated in NJ. UNITY BANCORP INC /NJ/ trades on Nasdaq as: UNTY. UNITY BANCORP INC /NJ/ (UNTY)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-06. Based on that filing, UNITY BANCORP INC /NJ/ carries a market cap of $587.60M, a P/E ratio of 10.02x, a P/B ratio of 1.58x, a P/S ratio of 290.17x, an enterprise value of $337.28M, and an EV/EBITDA multiple of -7.01x. On profitability, it posts a gross margin of -2776.99%, an operating margin of 3738.22%, a net margin of 2894.91%, a Return on Equity (ROE) of 16.95%, and a Return on Invested Capital (ROIC) of -50.43%. Per share, it reports EPS of $5.84, diluted EPS of $5.74, free cash flow per share of $2.67, and a dividend per share of $0.60. Over the trailing year, it posted revenue growth of 28.16% year-over-year, net income growth of 16.09% year-over-year, and EPS growth of 15.99% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.39x, free cash flow of $26.79M (TTM), and net debt of $-250.32M. Figures sourced from SEC EDGAR.
- Market Cap
- $587.60M
- P/E TTM
- 10.02x
- EPS TTM
- $5.84
- P/B TTM
- 1.58x
- ROE TTM
- 16.95%
- Free Cash Flow TTM
- $26.79M
- Net Revenue TTM Growth 1Y
- 28.16%
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is UNITY BANCORP INC /NJ/ in?
UNITY BANCORP INC /NJ/ (UNTY) operates in the State Commercial Banks industry.
What exchange does UNTY trade on?
UNITY BANCORP INC /NJ/ (UNTY) trades on the Nasdaq.
Where is UNITY BANCORP INC /NJ/ incorporated?
UNITY BANCORP INC /NJ/ is incorporated in NJ.
When was UNITY BANCORP INC /NJ/ (UNTY)'s most recent SEC filing?
UNITY BANCORP INC /NJ/ (UNTY)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-06.
What is UNTY's market cap?
UNITY BANCORP INC /NJ/ (UNTY) has a market capitalization of $587.60M as of 2026-06-30.
What is UNTY's P/E ratio?
UNITY BANCORP INC /NJ/ (UNTY)'s trailing twelve month P/E ratio is 10.02x as of 2026-06-30.
What is UNTY's EPS (earnings per share)?
UNITY BANCORP INC /NJ/ (UNTY)'s trailing twelve month EPS is $5.84 as of 2026-06-30.
What is UNTY's ROE (return on equity)?
UNITY BANCORP INC /NJ/ (UNTY)'s trailing twelve month Return on Equity (ROE) is 16.95% as of 2026-06-30.
What is UNTY's ROIC (return on invested capital)?
UNITY BANCORP INC /NJ/ (UNTY)'s trailing twelve month Return on Invested Capital (ROIC) is -50.43% as of 2026-06-30.
What is UNTY's EV/EBITDA?
UNITY BANCORP INC /NJ/ (UNTY)'s trailing twelve month EV/EBITDA is -7.01x as of 2026-06-30.