UNITY BANCORP INC /NJ/

UNTY

UNITY BANCORP INC /NJ/

UNTY

Insider Sentiment (TTM):

Last Purchase:-Last Sale:2026-05-27Shares Purchased (TTM):0Shares Sold (TTM):19,732

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:4,785,862Shares Outstanding:10,012,000Institutional Ownership Pct.:47.80%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	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
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 …	-	13	9	-	-	-	12	-	-	-	-	-
Financing Receivable Portfolio Segment Loans Held …	-	9	8	-	-	-	9	-	-	-	-	-
Financing Receivable Portfolio Segment Loans Held …	-	0	0	-	-	0	0	-	-	-	-	-
Small Business Administration Paycheck Protection …	-	-	-	-	-	1	1	-0	-0	2	2	-0
Commercial Portfolio Segment	-	23	22	0	-18	19	0	-1	0	3	1	-15
Residential Portfolio Segment	-	-	-	1	0	1	-	0	-5	6	103	77
Commercial Portfolio Segment Commercial Loans	-	0	1	-	-	-	1	-	-	-	-	-
Commercial Portfolio Segment Commercial Constructi…	-	1	58	-	-	-	130	-	-	-	-	-
Residential Portfolio Segment Residential Mortgage…	-	31	2	-	-	1	1	-	-	-	-	-
Residential Portfolio Segment Residential Construc…	-	0	0	-	-	1	37	-	-	-	-	-
Consumer Portfolio Segment	-	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 Accru…	67	63	-	82	92	90	94	98	99	95	92	92
Debt Securities Held To Maturity Excluding Accrued…	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 Excl…
Financing Receivable Excluding Accrued Interest Be…	-	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 Exc…	-	-33	-32	-30	-29	-28	-27	-27	-26	-26	-26	-26
Financing Receivable Excluding Accrued Interest Af…	-	2,568	2,512	2,438	2,354	2,317	2,234	2,190	2,144	2,148	2,146	2,147
Fi Nonecing Receivable Ex…
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
Interest Receivable	13	13	13	13	12	13	13	13	13	13	14	16
Loans And Leases Receivab…
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
Liabilities And Stockhold…
Liabilities
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 Inclu…
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…	-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…
Debt Securities Available For Sale Amortized Cost …	-	-	0	-	-	-	3	-	-	-	1	-
Debt Securities Available For Sale Amortized Cost …	-	-	72	-	-	-	100	-	-	-	-	-
Debt Securities Available For Sale Amortized Cost …	69	65	71	-	-	-	94	-	-	-	-	-
Stockholders Equity Numbe…
Preferred Stock Number Of…
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 Sh…
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 …
Treasury Stock Common Shares	0	0	0	2	2	2	2	2	2	2	1	1

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	3.89%	11.07%	8.29%	-	-	-	-	-	-	-	-	-
2025	3.05%	10.97%	17.29%	10.61%	5.92%	1.79%	10.76%	16.56%	16.45%	-3.99%	-0.77%	3.30%
2024	1.56%	7.86%	29.71%	9.10%	9.50%	23.87%	-1.60%	-8.16%	4.58%	-3.23%	-2.83%	1.62%
2023	-	-	-	-9.27%	-13.36%	-14.95%	11.86%	18.64%	19.01%	0.36%	0.44%	1.38%
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Performance and Valuation Metrics

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Metrics	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
Leverage & Debt
Interest Coverage TTM	-0.39	-0.35	-0.35	-0.37	-0.38	-0.44	-0.07	0.43	1.07	1.98	2.09	2.33
Per Share Metrics
Diluted EPS TTM	5.74	5.95	5.67	5.28	4.95	4.24	4.06	3.91	3.82	3.80	3.84	3.89
Free Cash Flow Per Share TTM	2.96	4.10	4.40	4.21	1.53	4.89	4.71	4.95	4.49	4.75	4.50	5.24
Dividend Per Share TTM	0.60	0.58	0.56	0.54	0.52	0.51	0.50	0.49	0.48	0.47	0.46	0.46
Margin Metrics
Gross Profit Margin TTM	-21.25%	-2,961.45%	-2,982.52%	-4,275.25%	-3,448.16%	-3,997.10%	-4,006.90%	-3,735.07%	-4,619.43%	-4,571.63%	-4,218.83%	-1,483.76%
Operating Profit Margin TTM	157.55%	4,183.97%	4,112.85%	5,505.48%	4,177.59%	4,129.62%	3,910.14%	2,210.90%	2,678.70%	2,762.38%	2,748.70%	2,101.25%
Net Profit Margin TTM	122.01%	3,229.02%	3,156.37%	4,227.41%	3,196.14%	3,147.14%	2,979.87%	1,658.25%	2,018.75%	2,072.58%	2,059.49%	1,564.43%
Growth Metrics
Net Revenue Growth (1Y)	2,941.01%	35.99%	31.99%	-46.68%	-17.71%	-26.62%	-27.85%	-6.08%	-26.38%	-29.27%	-20.76%	205.76%
Net Income Growth (1Y)	16.09%	39.53%	39.81%	35.93%	30.29%	11.42%	4.39%	-0.45%	-2.82%	-1.59%	3.25%	4.30%
EPS Growth (1Y)	15.99%	40.11%	39.78%	35.14%	30.07%	12.23%	6.22%	1.05%	-1.98%	2.40%	6.30%	8.36%
Valuation Metrics
P/E TTM	10.05	8.53	8.90	9.00	9.24	9.27	10.36	8.38	7.45	6.95	7.35	5.72
P/B TTM	1.58	1.44	1.49	1.46	1.46	1.32	1.45	1.17	1.06	1.02	1.12	0.90
P/S TTM	12.26	275.48	280.91	380.63	295.44	291.85	308.73	138.91	150.41	144.11	151.29	89.48
Market Cap	589.31M	517.35M	515.75M	486.07M	466.80M	403.05M	429.45M	332.70M	288.79M	271.21M	291.68M	228.17M
Enterprise Value	338.99M	288.19M	299.23M	282.58M	173.07M	191.46M	249.01M	138.20M	91.38M	88.22M	96.91M	66.72M
Calculated Values
Free Cash Flow TTM	29.73M	41.03M	44.11M	42.22M	15.31M	49.19M	47.29M	49.35M	44.96M	48.08M	45.95M	53.08M
Net Debt	-250.32M	-229.16M	-216.52M	-203.49M	-293.73M	-211.59M	-180.44M	-194.50M	-197.42M	-182.99M	-194.78M	-161.45M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-27Sale

Owner: Brody, Mark S

Title: -

Shares: 1,600

Price/Share: $55.24

Value: $88,384.00

Shares Owned: 113,854

Relationship: Director

Ownership: Direct

2026-04-17Sale

Owner: Gross, Mary E.

Title: -

Shares: 2,075

Price/Share: $56.01

Value: $116,220.75

Shares Owned: 18,479

Relationship: Director

Ownership: Direct

2026-03-13Sale

Owner: Dallas, Robert H Ii

Title: -

Shares: 7,725

Price/Share: $49.60

Value: $383,160.00

Shares Owned: 32,073

Relationship: Director,TenPercentOwner

Ownership: Direct

2026-02-18Sale

Owner: Hughes, James A

Title: CEO

Shares: 1,500

Price/Share: $54.50

Value: $81,750.00

Shares Owned: 173,013

Relationship: Director,Officer

Ownership: Direct

2026-01-29Sale

Owner: Donovan, James Joseph

Title: Chief Lending Officer/FSVP

Shares: 265

Price/Share: $52.11

Value: $13,809.15

Shares Owned: -

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-27	Brody, Mark S	Director	-	Direct	Sale	1,600	55.24	$88,384.00	113,854	4
2026-04-17	Gross, Mary E.	Director	-	Direct	Sale	2,075	56.01	$116,220.75	18,479	4
2026-03-13	Dallas, Robert H Ii	Director,TenPercentOwner	-	Direct	Sale	7,725	49.60	$383,160.00	32,073	4
2026-02-18	Hughes, James A	Director,Officer	CEO	Direct	Sale	1,500	54.50	$81,750.00	173,013	4
2026-01-29	Donovan, James Joseph	Officer	Chief Lending Officer/FSVP	Direct	Sale	265	52.11	$13,809.15	0	4
2026-01-15	Donovan, James Joseph	Officer	Chief Lending Officer/FSVP	Direct	Sale	777	56.07	$43,566.39	0	4
2026-01-15	Geraci, Vincent	Officer	Director Mortgage Lending/FSVP	Direct	Sale	1,573	55.38	$87,112.74	0	4
2026-01-15	Kim, Minsu	Officer	Chief Credit Officer/SVP	Direct	Sale	750	56.13	$42,097.50	791	4
2025-12-11	Gross, Mary E.	Director	-	Direct	Sale	3,300	54.50	$179,850.00	18,479	4
2025-10-22	Donovan, James Joseph	Officer	Chief Lending Officer/FSVP	Direct	Sale	167	48.30	$8,066.10	0	4
2025-04-24	Souders, Donald E. Jr.	Director	-	Direct	Sale	1,333	41.23	$54,959.59	8,477	4
2025-02-06	Geraci, Vincent	Officer	Director Mortgage Lending/FSVP	Direct	Sale	1,811	50.82	$92,035.02	0	4
2025-02-04	Donovan, James Joseph	Officer	Chief Lending Officer/FSVP	Direct	Sale	1,080	48.88	$52,790.40	0	4
2025-01-31	Brody, Mark S	Director	-	Direct	Sale	1,600	48.32	$77,312.00	71,802	4
2025-01-28	Gross, Mary E.	Director	-	Direct	Sale	3,300	48.04	$158,532.00	18,479	4
2024-12-13	Bove, David G	Officer	Chief Technology Officer/SVP	Direct	Sale	4,167	46.79	$194,973.93	9,837	4
2024-12-04	Maricondo, Peter E	Director	-	Direct	Sale	2,800	44.74	$125,272.00	39,522	4
2024-11-25	Brody, Mark S	Director	-	Direct	Sale	2,800	47.33	$132,524.00	70,002	4
2024-11-22	Boyan, George	Officer	Chief Financial Officer	Direct	Sale	2,650	46.34	$122,801.00	17,593	4
2024-11-12	Hughes, James A	Director,Officer	President/CEO	Direct	Sale	5,650	46.21	$261,086.50	154,020	4
2024-11-07	Geraci, Vincent	Officer	Director Mortgage Lending/SVP	Direct	Sale	1,043	44.98	$46,914.14	0	4
2024-07-26	Donovan, James Joseph	Officer	Chief Lending Officer/SVP	Direct	Sale	750	34.97	$26,227.50	166	4
2024-07-23	Kim, Minsu	Officer	Chief Credit Officer/SVP	Direct	Sale	2,264	34.90	$79,013.60	0	4
2024-07-17	Gross, Mary E.	Director	-	Direct	Sale	3,168	32.00	$101,376.00	17,176	4
2024-05-01	Geraci, Vincent	Officer	Director Mortgage Lending/SVP	Direct	Sale	2,600	27.19	$70,694.00	1,043	4
2024-03-05	Hughes, James A	Director,Officer	President/CEO	Direct	Sale	1,156	27.28	$31,535.68	137,735	4
2024-01-31	Hughes, James A	Director,Officer	President/CEO	Direct	Sale	234	29.34	$6,865.56	136,878	4
2024-01-29	Gross, Mary E.	Director	-	Direct	Sale	1,344	30.00	$40,320.00	17,176	4
2024-01-26	Gross, Mary E.	Director	-	Direct	Sale	8	30.00	$240.00	17,176	4/A
2024-01-23	Gross, Mary E.	Director	-	Direct	Sale	2,881	30.50	$87,870.50	17,176	4
2024-01-23	Geraci, Vincent	Officer	Director Mortgage Lending/SVP	Direct	Sale	2,500	30.13	$75,325.00	3,643	4
2023-06-13	Geraci, Vincent	Officer	Director of Mortgage Lending	Direct	Sale	7,200	23.60	$169,920.00	2,169	4
2023-06-02	Souders, Donald E. Jr.	Director	-	Direct	Sale	9,288	23.20	$215,481.60	5,077	4
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Institutional Ownership

No data available for chart

2026-03-31

47.80%

Inst. Shares: 4,785,862

Shares Outstanding: 10,012,000

2025-12-31

47.87%

Inst. Shares: 4,802,378

Shares Outstanding: 10,033,000

2025-09-30

48.36%

Inst. Shares: 4,853,483

Shares Outstanding: 10,036,000

2025-06-30

47.03%

Inst. Shares: 4,718,473

Shares Outstanding: 10,033,000

2025-03-31

47.31%

Inst. Shares: 4,756,113

Shares Outstanding: 10,054,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	4,785,862	10,012,000	47.80%
2025-12-31	4,802,378	10,033,000	47.87%
2025-09-30	4,853,483	10,036,000	48.36%
2025-06-30	4,718,473	10,033,000	47.03%
2025-03-31	4,756,113	10,054,000	47.31%
2024-12-31	4,787,539	10,031,000	47.73%
2024-09-30	4,583,784	9,978,000	45.94%
2024-06-30	4,527,643	10,016,000	45.20%
2024-03-31	3,601,001	10,127,000	35.56%
2023-12-31	3,556,272	10,207,000	34.84%
2023-09-30	3,657,525	10,128,000	36.11%
2023-06-30	3,685,152	10,103,000	36.48%
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UNITY 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. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), UNITY BANCORP INC /NJ/ reported a 2941.01% year-over-year revenue growth, a Gross Profit Margin of -21.25% (TTM), a Price-to-Sales (P/S) ratio of 12.26x (TTM), a Price-to-Book (P/B) ratio of 1.58x (TTM), at a market cap of $589.31M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 2941.01%
Gross Profit Margin TTM: -21.25%
P/S TTM: 12.26x
P/B TTM: 1.58x
Market Cap: $589.31M

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 is UNTY's market cap?

UNITY BANCORP INC /NJ/ (UNTY) has a market capitalization of $589.31M 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 10.05x as of 2026-06-30.

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.