UNTY
Unity Bancorp, Inc.
NasdaqGMUSDEQUITY
Financial Services
DELAYED
Neutral
+5/100
Last price
55.23
▲ 0.56 (1.02%)
MARKET · —
Price
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Open
—
Prev close
54.67
Day high
55.51
Day low
55.00
Volume
39.38K
Market cap
$554.65M
P/E (TTM)
9.52
52W range
44.34 – 62.50
Trailing performance
Returnvs SPY
1W
+0.71%
-1.2%
1M
-7.89%
-9.0%
3M
-0.20%
-4.7%
6M
+2.91%
-15.3%
YTD
+6.79%
-7.5%
1Y
+14.18%
-2.2%
3Y
+135.72%
+53.5%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
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.
Free account
11 more panels on UNTY open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-9.42K
Net selling
Buy transactions
1
1.60K shares
Sell transactions
3
11.02K shares
Net transactions
+4
Buys less sells
Sell : buy shares
6.9 : 1
Heavily one-sided
Insider-held shares
2.74M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 3, 26 | BOYAN GEORGE President |
SELL | 7.35K | $434.74K | Direct |
| May 27, 26 | BRODY MARK S Director |
CONVERSION | 1.60K | $25.12K | Direct |
| May 27, 26 | BRODY MARK S Director |
SELL | 1.60K | $88.38K | 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 |
CONVERSION | 1.50K | $13.43K | Direct |
| Feb 18, 26 | HUGHES JAMES A Chief Executive Officer |
SELL | 1.50K | $81.75K | 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 |
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 | 28.06K | Sale |
BRODY MARK S |
Director | 149.49K | Conversion of Exercise of derivative security |
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 |
Fundamentals
Market cap$554.65M
Enterprise value$634.70M
Revenue (TTM)$130.43M
Gross profit$130.43M
EBITDA—
Net income$58.62M
EPS (TTM)$5.80
Free cash flow—
Total cash$250.67M
Total debt$330.72M
Book value / share$37.02
Shares outstanding10.04M
Float7.34M
Short % of float2.23%
Dividend yield1.23%
Beta (5Y)0.65
Valuation & profitability ratios
Trailing P/E9.52
Forward P/E8.71
PEG ratio0.99
Price / sales—
Price / book1.49
EV / revenue4.87
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 | YoY |
|---|---|---|---|---|---|
| Total revenue | $133.75M | $104.40M | $100.94M | $97.64M | +28.1% |
| Operating revenue | $133.75M | $104.40M | $100.94M | $97.64M | +28.1% |
| Selling, general & admin | $36.34M | $33.42M | $33.05M | $30.10M | +8.7% |
| Pre-tax income | $75.51M | $54.39M | $52.99M | $51.42M | +38.8% |
| Tax provision | $17.56M | $12.94M | $13.29M | $12.96M | +35.7% |
| Net income | $57.95M | $41.45M | $39.71M | $38.46M | +39.8% |
| Net income to common | $57.95M | $41.45M | $39.71M | $38.46M | +39.8% |
| Basic EPS | 5.78 | 4.13 | 3.89 | 3.66 | +40.0% |
| Diluted EPS | 5.67 | 4.06 | 3.84 | 3.59 | +39.7% |
| Basic shares | 10.03M | 10.03M | 10.21M | 10.51M | +0.0% |
| Diluted shares | 10.22M | 10.20M | 10.34M | 10.71M | +0.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $216.52M | $180.44M | $194.78M | $114.79M | +20.0% |
| Accounts receivable | $12.90M | $12.69M | $13.58M | $13.40M | +1.6% |
| Property, plant & equipment | $18.02M | $18.78M | $19.57M | $20.00M | -4.0% |
| Goodwill & intangibles | $1.52M | $1.52M | $1.52M | $1.52M | 0.0% |
| Total assets | $2.97B | $2.65B | $2.58B | $2.44B | +11.8% |
| Long-term debt | $266.08M | $230.81M | $366.75M | $393.31M | +15.3% |
| Total debt | $266.08M | $230.81M | $366.75M | $393.31M | +15.3% |
| Total liabilities | $2.62B | $2.36B | $2.32B | $2.21B | +11.1% |
| Retained earnings | $243.94M | $227.33M | $191.11M | $156.96M | +7.3% |
| Shareholder equity | $345.63M | $295.58M | $261.43M | $239.23M | +16.9% |
| Net tangible assets | $344.12M | $294.07M | $259.91M | $237.71M | +17.0% |
| Shares issued | 10.05M | 11.62M | 11.42M | 11.29M | -13.5% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $57.95M | $41.45M | $39.71M | $38.46M | +39.8% |
| Depreciation & amortisation | $2.81M | $2.57M | $2.38M | $2.76M | +9.3% |
| Stock-based compensation | $2.09M | $1.82M | $1.75M | $1.68M | +14.8% |
| Change in working capital | -$12.29M | $3.48M | $4.44M | $1.21M | -453.3% |
| Operating cash flow | $44.91M | $47.99M | $46.91M | $42.67M | -6.4% |
| Capital expenditure | -$564.00K | -$693.00K | -$955.00K | -$1.48M | +18.6% |
| Investing cash flow | -$256.84M | -$92.81M | -$57.85M | -$541.28M | -176.7% |
| Share buybacks | -$5.04M | -$6.21M | -$15.69M | -$42.00K | +18.9% |
| Dividends paid | -$5.61M | -$5.02M | -$4.72M | -$4.37M | -11.7% |
| Financing cash flow | $248.01M | $30.49M | $90.92M | $368.59M | +713.5% |
| Free cash flow | $44.34M | $47.29M | $45.95M | $41.19M | -6.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $33.35M | $33.61M | $34.84M | $33.46M | $36.14M | -0.8% |
| Operating revenue | $33.35M | $33.61M | $34.84M | $33.46M | $36.14M | -0.8% |
| Selling, general & admin | $9.68M | $9.63M | $8.64M | $9.47M | $9.19M | +0.6% |
| Pre-tax income | $18.65M | $18.49M | $19.69M | $18.87M | $21.53M | +0.9% |
| Tax provision | $4.18M | $4.20M | $4.22M | $4.48M | $5.04M | -0.5% |
| Net income | $14.47M | $14.29M | $15.47M | $14.39M | $16.49M | +1.3% |
| Net income to common | $14.47M | $14.29M | $15.47M | $14.39M | $16.49M | +1.3% |
| Basic EPS | 1.44 | 1.43 | 1.55 | 1.43 | 1.64 | +0.7% |
| Diluted EPS | 1.42 | 1.40 | 1.52 | 1.41 | 1.61 | +1.4% |
| Basic shares | 10.04M | 10.01M | 10.01M | 10.04M | 10.03M | +0.3% |
| Diluted shares | 10.22M | 10.20M | 10.20M | 10.23M | 10.21M | +0.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $250.32M | $229.16M | $216.52M | $203.49M | $293.73M | +9.2% |
| Accounts receivable | $12.99M | $13.26M | $12.90M | $13.29M | $12.41M | -2.0% |
| Property, plant & equipment | $17.88M | $18.12M | $18.02M | $18.44M | $18.56M | -1.3% |
| Goodwill & intangibles | $1.52M | $1.52M | $1.52M | $1.52M | $1.52M | 0.0% |
| Total assets | $3.19B | $3.03B | $2.97B | $2.88B | $2.93B | +5.5% |
| Long-term debt | $326.43M | $258.58M | $266.08M | $242.02M | $387.42M | +26.2% |
| Total debt | $326.43M | $258.58M | $266.08M | $242.02M | $387.42M | +26.2% |
| Total liabilities | $2.82B | $2.67B | $2.62B | $2.54B | $2.61B | +5.7% |
| Retained earnings | $269.49M | $256.62M | $243.94M | $265.49M | $252.61M | +5.0% |
| Shareholder equity | $371.81M | $358.10M | $345.63M | $334.02M | $319.84M | +3.8% |
| Net tangible assets | $370.30M | $356.58M | $344.12M | $332.51M | $318.32M | +3.8% |
| Shares issued | 10.12M | 10.11M | 10.05M | 11.68M | 11.67M | +0.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $14.47M | $14.29M | $15.47M | $14.39M | $16.49M | — | +1.3% |
| Depreciation & amortisation | $619.00K | $296.00K | $1.10M | $729.00K | $294.00K | — | +109.1% |
| Stock-based compensation | $580.00K | $556.00K | $527.00K | $536.00K | $536.00K | — | +4.3% |
| Change in working capital | -$53.73M | -$1.73M | -$9.94M | $30.71M | -$37.81M | — | -3,000.6% |
| Operating cash flow | -$38.75M | $14.92M | $6.83M | $44.64M | -$24.42M | — | -359.7% |
| Capital expenditure | -$94.00K | -$425.00K | — | -$214.00K | -$187.00K | -$279.00K | +77.9% |
| Investing cash flow | -$89.83M | -$47.52M | -$69.87M | -$68.21M | -$35.99M | — | -89.0% |
| Share buybacks | $0 | -$324.00K | -$3.10M | $0 | -$1.94M | — | +100.0% |
| Dividends paid | -$1.58M | -$1.54M | -$1.46M | -$1.45M | -$1.35M | — | -2.2% |
| Financing cash flow | $149.74M | $45.24M | $76.08M | -$66.67M | $142.54M | — | +231.0% |
| Free cash flow | -$38.84M | $14.50M | $6.95M | $44.42M | -$24.60M | — | -367.9% |
| End cash position | $250.32M | $229.16M | $216.52M | $203.49M | $293.73M | — | +9.2% |
Options analytics
Put / call volume
0.00
Call-heavy session
Put / call open interest
0.09
Positioning, not flow
Max pain
45.00
-18.5% from spot
ATM implied vol
158.0%
Nearest strike to spot
Skew (10% OTM)
+57.9%
Puts bid over calls
Call volume
2
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
60.00
20 contracts
Heaviest put OI
35.00
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.
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 | 1.57 | 4 | $35.58M | +8.4% |
| Next quarter | 1.51 | 4 | $36.58M | +3.7% |
| Current year | 5.89 | 5 | $139.82M | +6.1% |
| Next year | 6.34 | 5 | $154.22M | +10.3% |
Analyst targets & ownership
Mean target$68.55
High target$72.00
Low target$66.75
Implied upside24.12%
Analyst count5
ConsensusSTRONG BUY
Strong buy / Buy2 / 3
Hold0
Sell / Strong sell0 / 0
Held by insiders27.30%
Held by institutions54.52%
Institutions holding203
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
55.33
-0.18% from price
SMA 20
57.18
-3.41% from price
SMA 50
58.55
-5.68% from price
SMA 100
57.33
-3.66% from price
SMA 200
55.17
+0.11% from price
EMA 12
55.83
-1.08% from price
EMA 26
56.96
-3.03% from price
EMA 50
57.50
-3.95% from price
RSI (14)
39.0
Neutral
MACD (12,26,9)
-1.13
Hist -0.23
ATR (14)
1.23
2.22% of price
Realised vol 30D
18.8%
Annualised
Bollinger upper
61.17
20, 2σ
Bollinger lower
53.19
20, 2σ
50 / 200 cross
Golden
58.55 vs 55.17
Trend bias
Above 200
+0.11%
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.
Risk profile
Beta vs SPY
0.53
Less volatile than market
Correlation to SPY
0.26
Largely independent
Realised vol 30D
18.8%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-12.5%
Peak to trough
Max drawdown 5Y
-32.3%
Peak to trough
ATR 14
1.23
2.22% of price
Beta (reported)
0.65
5Y monthly, from filing
Short interest
Shares short
162.09K
Prior 141.91K
Change vs prior
+14.2%
Shorts adding
% of float
2.23%
Normal
% of shares out
1.61%
Against total outstanding
Days to cover
3.2
Liquid
Float
7.34M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Sep 11, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Jul 15, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Jun 26, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| May 15, 26 | DA Davidson | INITIATED | — | Buy |
| Jan 15, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jan 14, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Oct 15, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jul 18, 25 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Apr 14, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jan 16, 25 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jan 16, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Dec 4, 24 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
Dividends & splits
Forward rate$0.68 / yr
Forward yield1.23%
5-year avg yield1.37%
Payout ratio10.78%
Ex-dividend dateSep 3, 2026
Next pay dateSep 17, 2026
Last split11:10
Split dateSep 13, 2016
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-23
Corporate Changes & Voting Matters
8-K · 2026-09-10
Corporate Changes & Voting Matters
8-K · 2026-08-20
Corporate Changes & Voting Matters
8-K · 2026-08-07
Periodic Financial Reports
10-Q · 2026-08-06
Corporate Changes & Voting Matters
8-K · 2026-07-14
Annual report of employee stock purchase
11-K · 2026-06-15
Corporate Changes & Voting Matters
8-K · 2026-05-21
Headlines
Unity Bancorp (UNTY) to Report Q3 Results: Wall Street Expects Earnings Growth
Zacks · 19h ago
Unity Bank Celebrates 20th Anniversary Charity Car Show Benefiting Family Promise
GlobeNewswire · 6d ago
Unity Bancorp Reports Leadership Succession for Next Year
MT Newswires · 13d ago
Unity Bancorp, Inc. and Unity Bank Announce Retirement of CEO James A. Hughes and Planned Leadership Succession
GlobeNewswire · 14d ago
Unity Bancorp (UNTY) Upgraded to Buy: Here's What You Should Know
Zacks · 28d ago
3 Bank Stocks With Recent Dividend Increases Worth Considering
Zacks · 44d ago
Unity Bancorp Announces 6% Increase in Third Quarter Dividend
GlobeNewswire · 48d ago
Unity Bancorp, Inc. Mourns the Passing of Director Robert ("Bobby") H. Dallas II
GlobeNewswire · 61d 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.