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Unity

NMQ:UNTY · US9132901029
BanksSmall

360

91
Profit price89
Cash yield39
Price/Sales18
EV / Gross Profit36
Price/Book9
Returns on capital94
Profit margins—
Cash Conversion23
Accruals17
Owner Earnings Margin98
Sales growth35
Profit Growth33
Owner Earnings Growth48
Reinvestment8
Price momentum56
Debt load34
Debt serviceability83
Liquidity84
Analyst ratings91
Opinion Changes98
Price Target Upside91
Market mood75
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Unity generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGM
Founded1995
Websiteunitybancorp.q4ir.com/corporate-overview/corporate-profile/default.aspx
ISINUS9132901029
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)

Description

Unity Bancorp, Inc. operates as the bank holding company for Unity Bank that provides commercial and retail banking services. The company also owns 100 percent of the common equity of Unity (NJ) Statutory Trust II. The company conducts a traditional…

Analysis

Quality compounder

Unity Bancorp, Inc. earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 8.9×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is adequate. The company scores 20/20 on our value-creation score: strong value creator. Analysts lean positive.

Flags to be aware of: Some accounting patterns deserve a closer look. Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
45
2023202420252026

All-time high

100

May 2025

All-time low

12

Feb 2026

Average rank

84

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
18
24
62
75
Price/Earnings
71
83
95
89
Price/Book
9
15
44
32
Dividend Yield
39
13
29
27
Value (overall)
19
35
61
55

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →