Unity Bancorp, Inc. is a bank holding company, which engages in the ownership and supervision of Unity Bank. The company is headquartered in Clinton, New Jersey and currently employs 220 full-time employees. The primary activity of the Company is ownership and supervision of the Bank. The Bank, the Company’s wholly-owned subsidiary, provides financial services to retail, corporate and small business customers through its branch network located in Bergen, Hunterdon, Middlesex, Morris, Ocean, Somerset, Union and Warren Counties in New Jersey and Northampton County in Pennsylvania. The Bank conducts a traditional and community-oriented commercial banking business and offers services, including personal and business checking accounts, time deposits, money market accounts, savings accounts, credit cards, debit cards, wire transfers, safe deposit boxes, access to automated teller services, and Internet and mobile banking, typical of a community banking business. The Bank also offers retirement accounts, automated clearing house (ACH) origination and remote deposit capture (RDC).
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
03/31/2026
12/31/2025
09/30/2025
06/30/2025
03/31/2025
Revenue
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Revenue Growth (YoY)
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Cost of Revenue
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Gross Profit
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Selling, General & Admin
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Research & Development
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Operating Expenses
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Other Non Operating Income (Expenses)
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Pretax Income
78
18
19
18
21
15
Income Tax Expense
17
4
4
4
5
3
Net Income
60
14
15
14
16
11
Net Income Growth
40%
27%
36%
40%
78%
22%
Shares Outstanding (Diluted)
10.19
10.19
10.19
10.23
10.21
10.24
Shares Change (YoY)
0%
0%
0%
1%
1%
0%
EPS (Diluted)
5.93
1.4
1.51
1.4
1.61
1.13
EPS Growth
40%
24%
35%
31%
73%
21%
Free Cash Flow
41
14
6
45
-25
17
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
2
0
1
0
0
0
EBIT
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EBIT Margin
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Effective Tax Rate
21.79%
22.22%
21.05%
22.22%
23.8%
20%
Follow-Up Questions
What are Unity Bancorp Inc's key financial statements?
According to the latest financial statement (Form-10K), Unity Bancorp Inc has a total asset of $0, Net loss of $0
What are the key financial ratios for UNTY?
Unity Bancorp Inc's Current ratio is 0, has a Net margin is 0, sales per share of $0.
How is Unity Bancorp Inc's revenue broken down by segment or geography?
Unity Bancorp Inc largest revenue segment is Banking and Related Activities, at a revenue of 107,080,000 in the most earnings release.For geography, United States is the primary market for Unity Bancorp Inc, at a revenue of 107,080,000.
Is Unity Bancorp Inc profitable?
no, according to the latest financial statements, Unity Bancorp Inc has a net loss of $0
Does Unity Bancorp Inc have any liabilities?
no, Unity Bancorp Inc has liability of 0
How many outstanding shares for Unity Bancorp Inc?
Unity Bancorp Inc has a total outstanding shares of 0