UNTY
Unity Bancorp, Inc.
NasdaqGMUSDEQUITY
Financial Services
DELAYED
Last price
59.44
▲ 0.33 (0.56%)
MARKET · —
Price
Open
59.66
Prev close
59.11
Day high
60.52
Day low
59.01
Volume
74.91K
Market cap
$596.93M
P/E (TTM)
10.34
52W range
44.34 – 62.50
Trailing performance
Returnvs SPY
1W
-3.85%
-2.5%
1M
+4.52%
+0.8%
3M
+7.49%
+4.4%
6M
+9.57%
-1.5%
YTD
+14.93%
+2.6%
1Y
+22.15%
+2.2%
3Y
+141.72%
+67.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$596.93M
Enterprise value$676.98M
Revenue (TTM)$130.43M
Gross profit$130.43M
EBITDA—
Net income$58.62M
EPS (TTM)$5.75
Free cash flow—
Total cash$250.67M
Total debt$330.72M
Book value / share$37.02
Shares outstanding10.04M
Float7.33M
Short % of float1.72%
Dividend yield1.14%
Beta (5Y)0.63
Valuation & profitability ratios
Trailing P/E10.34
Forward P/E9.35
PEG ratio0.99
Price / sales—
Price / book1.61
EV / revenue5.19
EV / EBITDA—
Gross margin0.00%
Operating margin58.17%
Profit margin44.95%
Return on equity16.95%
Return on assets1.92%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total revenue | $131.81M | $107.08M | $103.14M | $98.15M |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $57.95M | $41.45M | $39.71M | $38.50M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $57.95M | $41.45M | $39.71M | $38.50M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.43 | 1.42 | -1.0% |
| Mar 2026 | 1.38 | 1.40 | +1.8% |
| Dec 2025 | 1.36 | 1.52 | +12.0% |
| Sep 2025 | 1.29 | 1.41 | +9.3% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.50 | 4 | $35.63M | +8.6% |
| Next quarter | 1.51 | 4 | $36.63M | +3.9% |
| Current year | 5.85 | 5 | $134.52M | +2.0% |
| Next year | 6.36 | 5 | $150.65M | +12.0% |
Analyst targets & ownership
Mean target$68.55
High target$72.00
Low target$66.75
Implied upside15.33%
Analyst count5
ConsensusNONE
Strong buy / Buy2 / 3
Hold0
Sell / Strong sell0 / 0
Held by insiders27.37%
Held by institutions54.57%
Institutions holding200
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
+25.66K
Net buying
Buy transactions
4
44.15K shares
Sell transactions
3
18.49K shares
Net transactions
+7
Buys less sells
Sell : buy shares
0.4 : 1
Mixed
Insider-held shares
2.75M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| May 27, 26 | BRODY MARK S Director |
SELL | 1.60K | $88.38K | Direct |
| May 27, 26 | BRODY MARK S Director |
CONVERSION | 1.60K | $25.12K | Direct |
| Apr 17, 26 | GROSS MARY E Director |
SELL | 2.08K | $116.22K | Direct |
| Mar 13, 26 | DALLAS ROBERT H II Director and Beneficial Owner of more than 10% of a Class of Security |
SELL | 14.81K | $735.43K | Direct |
| Mar 12, 26 | DALLAS ROBERT H II Director and Beneficial Owner of more than 10% of a Class of Security |
CONVERSION | 17.30K | $346.52K | Direct |
| Mar 10, 26 | BOYAN GEORGE President |
STOCK | 10.25K | $0 | Direct |
| Mar 10, 26 | HUGHES JAMES A Chief Executive Officer |
STOCK | 15.00K | $0 | Direct |
| Feb 18, 26 | HUGHES JAMES A Chief Executive Officer |
SELL | 1.50K | $81.75K | Direct |
| Feb 18, 26 | HUGHES JAMES A Chief Executive Officer |
CONVERSION | 1.50K | $13.43K | Direct |
| Jan 29, 26 | DONOVAN JAMES JOSEPH Officer |
SELL | 265 | $13.81K | Direct |
| Jan 27, 26 | GERACI VINCENT Officer |
STOCK | 3.25K | $0 | Direct |
| Jan 27, 26 | DONOVAN JAMES JOSEPH Officer |
STOCK | 2.00K | $0 | Direct |
| Jan 27, 26 | DAVIES JAMES R Chief Financial Officer |
STOCK | 2.00K | $0 | Direct |
| Jan 27, 26 | KIM MINSU Officer |
STOCK | 2.00K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BOYAN GEORGE |
President | 28.46K | Stock Award(Grant) |
BRODY MARK S |
Director | 149.49K | Sale |
COURTRIGHT WAYNE |
Director | 122.87K | Stock Award(Grant) |
DALLAS DAVID D |
Chairman of the Board | 1.82M | Stock Award(Grant) |
DALLAS ROBERT H II |
Director and Beneficial Owner of more than 10% of a Class of Security | 1.81M | Sale |
GROSS MARY E |
Director | 22.48K | Sale |
HUGHES JAMES A |
Chief Executive Officer | 226.60K | Stock Award(Grant) |
MARICONDO PETER E |
Director | 44.81K | Stock Award(Grant) |
PATEL RAJ |
Director | 55.32K | Stock Award(Grant) |
TUCKER AARON THOMAS JR. |
Director | 69.27K | Conversion of Exercise of derivative security |
Moving averages & technicals
SMA 10
60.40
-1.60% from price
SMA 20
59.81
-0.63% from price
SMA 50
58.14
+2.24% from price
SMA 100
56.03
+6.09% from price
SMA 200
54.01
+10.05% from price
EMA 12
59.91
-0.79% from price
EMA 26
59.33
+0.19% from price
EMA 50
58.22
+2.09% from price
RSI (14)
51.1
Neutral
MACD (12,26,9)
0.59
Hist -0.24
ATR (14)
1.25
2.10% of price
Realised vol 30D
24.6%
Annualised
Bollinger upper
61.89
20, 2σ
Bollinger lower
57.74
20, 2σ
50 / 200 cross
Golden
58.14 vs 54.01
Trend bias
Above 200
+10.05%
Risk profile
Beta vs SPY
0.60
Less volatile than market
Correlation to SPY
0.27
Largely independent
Realised vol 30D
24.6%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-15.9%
Peak to trough
Max drawdown 5Y
-32.3%
Peak to trough
ATR 14
1.25
2.10% of price
Beta (reported)
0.63
5Y monthly, from filing
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
—
—
Put / call open interest
1.00
Positioning, not flow
Max pain
60.00
+0.9% from spot
ATM implied vol
78.6%
Nearest strike to spot
Skew (10% OTM)
-10.1%
Calls bid over puts
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
60.00
1 contracts
Heaviest put OI
60.00
1 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Headlines
Unity Bancorp Announces 6% Increase in Third Quarter Dividend
GlobeNewswire · 2d ago
Unity Bancorp, Inc. Mourns the Passing of Director Robert ("Bobby") H. Dallas II
GlobeNewswire · 15d ago
Unity Bank Named New Jersey Economic Development Authority Premier Lender
GlobeNewswire · 18d ago
Compared to Estimates, Unity Bancorp (UNTY) Q2 Earnings: A Look at Key Metrics
Zacks · 39d ago
Unity Bancorp (UNTY) Misses Q2 Earnings and Revenue Estimates
Zacks · 39d ago
Unity Bancorp: Q2 Earnings Snapshot
Associated Press · 39d ago
Unity Bancorp Reports Quarterly Earnings of $14.5 Million
GlobeNewswire · 39d ago
Unity Bank Appoints Sara M. Sooy and Alfred J. Gaburo to Board of Directors
GlobeNewswire · 72d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.