Touchstone
Last syncNov 1, 2026, 6:55 PM ET

UNTY

Unity Bancorp Inc /nj/ Financials State Commercial Banks Russell 3000
$57.31Close $572.1MMarket cap $44.64 – $61.6452-week range Jan 12, 2027Next report · estimated

Highlights

Strengths

  • Volume drying up last 10 days 26% under the 50-day average

Cautions

  • Trend not confirmed 6 of 8 conditions · under 30% off the low, RS under 70
  • Earnings shrinking EPS −12% year on year

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 6, 2026
Off 12-month high 7%
1wk down 1.4% price change
1mo up 5.7% price change
12-month return up 27% market up 11% · its own up 16%
F-score — — Not assessed
Altman Z — Unknown
P/E 9.9× price / earnings
PEG 0.25 P/E / EPS growth
P/B 1.7× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 23% year on year
EPS growth down 12% latest quarter · -36 pts
Sales growth down 2% latest quarter · -16 pts
ROE up 18% return on equity
Free cash margin —
D/E 0.77 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest

Trade setup

ATR% 2.2% $1.26 a day · 2×ATR $54.79
RS 57 / 99 vs the universe
Trend 6 / 8 under 30% off the low, RS under 70
Relative volume 0.6× vs 50-day average
Up/down volume 0.79 50 sessions
Implied move — no scheduled report
Trend template · 6 of 8
  • At least 30% above the 52-week low: fails
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 13, 2026
Results reaction Oct 13, 20260% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $131.8M +23% on FY2024
$0 $200M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $77.4M FY2021 · $89.1M FY2022 · $98.2M FY2023 · $103.1M FY2024 · $107.1M FY2025 · $131.8M
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $58.0M +40% on FY2024
$0 $100M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $23.6M FY2021 · $36.1M FY2022 · $38.5M FY2023 · $39.7M FY2024 · $41.5M FY2025 · $58.0M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 44%
0% 50% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 31% FY2021 · Net 41% FY2022 · Net 39% FY2023 · Net 38% FY2024 · Net 39% FY2025 · Net 44%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $500M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $219.3M · Long-term debt $210.3M FY2021 · Cash $244.8M · Long-term debt $50.3M FY2022 · Cash $114.8M · Long-term debt $393.3M FY2023 · Cash $194.8M · Long-term debt $366.7M FY2024 · Cash $180.4M · Long-term debt $230.8M FY2025 · Cash $216.5M · Long-term debt $266.1M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 9.98m -4.5% since FY2020
10.58m 9.98m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 10.46m FY2021 · 10.39m FY2022 · 10.58m FY2023 · 10.06m FY2024 · 10.03m FY2025 · 9.98m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $77.4M $89.1M $98.2M $103.1M $107.1M $131.8M
Net income $23.6M $36.1M $38.5M $39.7M $41.5M $58.0M
Net margin 31% 41% 39% 38% 39% 44%
Earnings per share $2.19 $3.42 $3.59 $3.84 $4.06 $5.67
Cash $219.3M $244.8M $114.8M $194.8M $180.4M $216.5M
Long-term debt $210.3M $50.3M $393.3M $366.7M $230.8M $266.1M
Shareholders' equity $173.9M $205.7M $239.2M $261.4M $295.6M $345.6M
Shares outstanding 10.46m 10.39m 10.58m 10.06m 10.03m 9.98m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 6, 2026 Quarterly ↗ Jun 30, 2026 37d
May 7, 2026 Quarterly ↗ Mar 31, 2026 37d
Mar 4, 2026 Annual ↗ Dec 31, 2025 63d
Nov 6, 2025 Quarterly ↗ Sep 30, 2025 37d
Aug 6, 2025 Quarterly ↗ Jun 30, 2025 37d
May 7, 2025 Quarterly ↗ Mar 31, 2025 37d
Mar 7, 2025 Annual ↗ Dec 31, 2024 66d
Nov 12, 2024 Quarterly ↗ Sep 30, 2024 43d
Aug 6, 2024 Quarterly ↗ Jun 30, 2024 37d
May 8, 2024 Quarterly ↗ Mar 31, 2024 38d
Mar 7, 2024 Annual ↗ Dec 31, 2023 67d
Nov 8, 2023 Quarterly ↗ Sep 30, 2023 39d

Current reports

FiledDisclosed
Oct 13, 2026 Results ↗
Sep 23, 2026 Regulation FD ↗
Sep 10, 2026 Regulation FD ↗
Aug 20, 2026 Other events ↗
Aug 7, 2026 Director or officer change · Regulation FD ↗
Jul 14, 2026 Results ↗
May 21, 2026 Other events ↗
Apr 23, 2026 Shareholder vote ↗
Apr 22, 2026 Regulation FD ↗
Apr 14, 2026 Results ↗
Feb 26, 2026 Other events ↗
Jan 13, 2026 Results ↗