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Unity Bancorp, Inc. UNTY | NASDAQ

$55.34 -$1.01 | -1.79%

Next Earnings: Jan 14, 2026

Company Overview:

Market Cap: $555.18M
PE Ratio: 10.5
52-Week Range: $36.65 - $57.24
Dividend Yield (FWD): 1.08% ($0.60)

10 Year UNTY Performance Metrics:

Total Return (with DRIP): 582% (21.16% CAGR)
Total Return (no DRIP): 522% (20.06% CAGR)
Share Price: 481.3% (19.25% CAGR)
Dividend Increase: 312.5% (15.27% CAGR)
UNTY 10-yr Total Return ($10K invested)
1Y 2Y 5Y 10Y All

UNTY Dividend Payments, Yield & Share Price charts

Dividend Payments & Yield
UNTY Dividend CAGR:1Y: 15.38%2Y: 11.80%5Y: 13.40%10Y: 15.22%
Share Price
UNTY Price CAGR:1Y: 29.03%2Y: 40.79%5Y: 25.88%10Y: 19.25%

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UNTY Dividend Safety: Payout & Dividend to Free Cash Flow Ratios.

Dividend Payout Ratio - UNTY
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Dividend to Free Cash Flow Ratio - UNTY
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UNTY Earnings, Revenue, Cash & Debt, Shares Outstaning:

UNTY - Revenue
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UNTY Revenue CAGR:1Y: 70.42%2Y: 30.60%5Y: 19.62%10Y: 16.08%
UNTY - Earnings Per Share (EPS)
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UNTY EPS CAGR:1Y: 21.51%2Y: 8.49%5Y: 18.19%10Y: 18.33%
UNTY - Net Income
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UNTY Net Income CAGR:1Y: 20.99%2Y: 6.18%5Y: 16.66%10Y: 19.59%
UNTY - EBITDA
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UNTY EBITDA CAGR:1Y: 20.77%2Y: -16.74%5Y: 6.74%10Y: 12.44%
UNTY - Free Cash Flow
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UNTY Free Cash Flow CAGR:1Y: 12.06%2Y: 13.87%5Y: 9.20%10Y: 74.02%
UNTY - Free Cash Flow / Share
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UNTY Free Cash Flow / Share CAGR:1Y: 12.87%2Y: 16.58%5Y: 10.94%10Y: 72.59%
UNTY - Operating Income
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UNTY Operating Income CAGR:1Y: 14.19%2Y: -19.79%5Y: 6.41%10Y: 12.33%
UNTY - Gross Profit
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UNTY Gross Profit CAGR:1Y: 11.36%2Y: 5.58%5Y: 9.87%10Y: 11.24%
UNTY - Shares Outstanding
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UNTY Shares Outstanding CAGR:1Y: -0.28%2Y: -2.08%5Y: -1.47%10Y: 0.90%
UNTY - Share Buybacks
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UNTY Share Buybacks CAGR:1Y: -100.00%2Y: -100.00%5Y: -100.00%10Y: -100.00%
UNTY - Stock-Based Comp
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UNTY Stock-Based Comp CAGR:1Y: 3.57%2Y: 8.73%5Y: 6.20%10Y: 16.51%
UNTY - Expenses
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UNTY Expenses CAGR:1Y: 257.69%2Y: 19.61%5Y: 10.94%10Y: -5.51%
UNTY - Revenue vs Net Income
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UNTY - EPS vs FCF / Share
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UNTY - EPS vs PE Ratio
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UNTY - FCF vs FCF / Share
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UNTY - FCF vs Stock Based Comp
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UNTY - Cash & Debt
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UNTY - Dividends
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UNTY Dividend CAGR:1Y: 15.38%2Y: 11.80%5Y: 13.40%10Y: 15.22%
UNTY - Revenue by Segment
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UNTY Revenue CAGR:1Y: 70.42%2Y: 30.60%5Y: 19.62%10Y: 16.08%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

UNTY - REVENUE: Actual + Estimates
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UNTY Actual Revenue CAGR:1Y: 70.42%2Y: 30.60%5Y: 19.62%10Y: 16.08%
UNTY - EPS: Actual + Estimates
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UNTY Actual EPS CAGR:1Y: 21.51%2Y: 8.49%5Y: 18.19%10Y: 18.33%
UNTY - NET INCOME: Actual + Estimates
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UNTY Actual Net Income CAGR:1Y: 20.99%2Y: 6.18%5Y: 16.66%10Y: 19.59%
UNTY - EBITDA: Actual + Estimates
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UNTY Actual EBITDA CAGR:1Y: 20.77%2Y: -16.74%5Y: 6.74%10Y: 12.44%

Ratios, Profit Margins & Return on Capital:

UNTY - Net Profit Margin
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UNTY Net Profit Margin CAGR:1Y: -29.02%2Y: -18.71%5Y: -2.48%10Y: 3.02%
UNTY - Gross Profit Margin
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UNTY Gross Profit Margin CAGR:1Y: -34.65%2Y: -19.16%5Y: -8.16%10Y: -4.16%
UNTY - Price to Earnings
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UNTY - Price To Sales Ratio
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UNTY - Return on Capital Employed
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UNTY - Return on Invested Capital
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UNTY Dividends Info:

Annual Dividend: $0.6
Forward Yield: 1.08%
Ex-Dividend Date: 2025-12-05
Lifetime Dividends / Share: $4.99

UNTY Dividend History: Dates, Payments & Yield list

Below is a schedule of all UNTY dividend payments, ex-dates, share price on the day of the payment as well as TTM & forward yield

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
12/05/202512/19/2025$0.1501.12%0%$0.00
09/05/202509/19/2025$0.1501.07%1.17%$51.45
06/06/202506/20/2025$0.1401.26%1.28%$43.79
03/14/202503/28/2025$0.1401.25%1.36%$41.29
12/13/202412/31/2024$0.1301.11%1.19%$43.61
09/06/202409/20/2024$0.1301.59%1.48%$35.05
06/07/202406/21/2024$0.1301.9%2.01%$25.91
03/14/202403/29/2024$0.1301.83%0%$0.00
12/14/202312/29/2023$0.1201.74%1.62%$29.59
09/07/202309/22/2023$0.1202.02%2.05%$23.38
06/08/202306/23/2023$0.1201.91%2.04%$23.56
03/09/202303/24/2023$0.1201.81%2.09%$22.94
12/15/202212/30/2022$0.1100.82%0.8%$27.33
09/08/202209/23/2022$0.1100.8%0.85%$25.80
06/09/202206/24/2022$0.1100.74%0.85%$25.82
03/10/202203/25/2022$0.1000.72%0.7%$28.37
12/16/202112/31/2021$0.1000.74%0.76%$26.25
09/09/202109/24/2021$0.0900.79%0.78%$23.02
06/10/202106/25/2021$0.0900.75%0.81%$22.16
03/11/202103/26/2021$0.0800.73%0.73%$21.88
12/16/202012/31/2020$0.0800.9%0.91%$17.55
09/10/202009/25/2020$0.0801.3%1.45%$11.07
06/11/202006/26/2020$0.0801.16%1.21%$13.21
03/12/202003/27/2020$0.0801.07%1.42%$11.29
12/12/201912/27/2019$0.0800.69%0.71%$22.67
09/12/201909/27/2019$0.0800.77%0.72%$22.08
06/13/201906/28/2019$0.0800.72%0.7%$22.70
03/14/201903/29/2019$0.0700.67%0.74%$18.88
12/13/201812/28/2018$0.0700.67%0.7%$20.13
09/13/201809/28/2018$0.0700.58%0.61%$22.90
06/14/201806/29/2018$0.0700.59%0.62%$22.75
03/15/201803/30/2018$0.0600.53%0.55%$22.00
12/14/201712/29/2017$0.0600.59%0.61%$19.75
09/14/201709/29/2017$0.0600.66%0.61%$19.80
06/13/201706/29/2017$0.0600.68%0.71%$17.00
03/15/201703/31/2017$0.0500.6%0.59%$16.95
12/14/201612/30/2016$0.0500.65%0.64%$15.70
09/09/201609/29/2016$0.0450.69%0.73%$12.43
06/14/201606/30/2016$0.0360.64%0.63%$11.55
03/15/201603/31/2016$0.0360.73%0.7%$10.34
12/11/201512/30/2015$0.0360.73%0.66%$11.05
09/11/201509/30/2015$0.0360.72%0.82%$8.88
06/11/201506/30/2015$0.0270.64%0.61%$8.90
03/12/201503/31/2015$0.0270.66%0.66%$8.25
12/04/201412/19/2014$0.0270.6%0.63%$8.68
09/10/201409/26/2014$0.0270.54%0.64%$8.57
06/11/201406/27/2014$0.0180.44%0.44%$8.19
03/13/201403/31/2014$0.0180.37%0.5%$7.23
12/12/201312/30/2013$0.0090.26%0.26%$6.91
09/12/201309/30/2013$0.0090.26%0.27%$6.78
06/13/201306/28/2013$0.0090.14%0.28%$6.45
07/09/200807/25/2008$0.0451.57%1.47%$6.19
04/09/200804/25/2008$0.0431.35%1.26%$6.88
01/09/200801/25/2008$0.0431.18%1.11%$7.82
10/10/200710/26/2007$0.0430.92%0.98%$8.88
07/11/200707/27/2007$0.0430.93%0.96%$9.02
04/11/200704/27/2007$0.0410.86%0.84%$9.81
01/10/200701/26/2007$0.0410.69%0.72%$11.51
10/11/200610/27/2006$0.0410.63%0.7%$11.75
07/12/200607/28/2006$0.0410.57%0.6%$13.67
04/11/200604/28/2006$0.0390.63%0.59%$13.25
01/11/200601/27/2006$0.0390.72%0.71%$10.99
10/12/200510/28/2005$0.0390.79%0.78%$10.11
07/13/200507/29/2005$0.0390.76%0.84%$9.34
04/13/200504/29/2005$0.0300.67%0.68%$8.84
01/12/200501/28/2005$0.0300.57%0.63%$9.54
10/13/200410/29/2004$0.0300.65%0.67%$8.97
07/13/200407/30/2004$0.0300.59%0.63%$9.54
04/13/200404/30/2004$0.0280.52%0.63%$9.08
01/13/200401/31/2004$0.0210.5%0.48%$8.94
10/10/200310/31/2003$0.0210.27%0.52%$8.19
10/27/199911/16/1999$0.0411.55%1.52%$5.34
08/06/199908/25/1999$0.0411.25%1.3%$6.27
05/06/199905/25/1999$0.0411.1%1.12%$7.29
02/03/199902/16/1999$0.0340.96%0.95%$7.12
12/17/199812/24/1998$0.0330.72%0.88%$7.38
10/28/199811/13/1998$0.0210.69%0.56%$7.43
07/29/199808/05/1998$0.0320.6%0.72%$8.92
04/29/199805/06/1998$0.0220.39%0.39%$11.04
01/21/199801/28/1998$0.0220.47%0.47%$9.07
10/08/199710/15/1997$0.0220.6%0.6%$7.16
07/02/199707/09/1997$0.0220.73%0.73%$5.87
04/11/199704/18/1997$0.0220.34%0.68%$6.30

Projected Future Returns & Dividends for UNTY

Based on past 10-year performance, here are UNTY growth metrics:

Share price CAGR of +19.25%
Dividend CAGR of +15.27%

Using UNTY CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

UNTY (DRIP)UNTY - No DRIP
Current Price$55.34$55.34
Start Shares180.70180.70
Start Value$10,000$10,000
  
After 10 years:
Final Share Count198.39180.70
Dividends Payment$0.62$0.62
Annual Dividends$493$449
Yield on cost4.93%4.49%
Share Price$269.77$269.77
Total Dividends$2,366$2,231
Final Value$53,522$50,979

Estimated Future Value + Dividends - UNTY

NOTE: Above numbers are our estimate based on UNTY's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Unity Bancorp, Inc. (UNTY) had its IPO on 1997-01-14, and is trader on NASDAQ stock exchange.

Unity Bancorp, Inc. operates as the holding company for Unity Bank that provides commercial and retail banking products and services to individuals, small and medium sized businesses, and professional communities. The company offers personal and business checking accounts, time deposits, money market accounts, and regular savings accounts, as well as noninterest and interest-bearing demand deposits. It also provides small business administration loans; commercial loans; and residential mortgage and consumer loans, including residential real estate, home equity lines and loans, and residential construction lines, as well as personal loans. the company offered its services through the Internet and nineteen branch offices located in Bergen, Hunterdon, Middlesex, Somerset, Union, and Warren counties in New Jersey, as well as Northampton County, Pennsylvania. Unity Bancorp, Inc. was incorporated in 1991 and is based in Clinton, New Jersey.

UNTY website: https://www.unitybank.com

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