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Unity Bancorp, Inc. UNTY | NASDAQ

$56.82 $0.76 | 1.36%

TREND SIGNAL: Signal available — unlock to view

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|2026-09-01

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Company Overview:

Market Cap: $563.85M

Trailing PE: —

FWD PE: —

Payout Ratio (TTM): 10.3%

52-Week Range: $44.34 - $62.50

10 Year UNTY Performance Metrics:

Total Return (with DRIP): 442.7% (18.43% CAGR)

Total Return (no DRIP): 398.2% (17.42% CAGR)

Share Price: 366.9% (16.66% CAGR)

Yield on Cost (with DRIP): 6.49%

Total Invested: $10,000

Total Value (with DRIP): $54,271

Total Return $ (with DRIP): $44,271

Dividend Increase: 220.0% (12.71% CAGR)

Dividend Yield (FWD): 1.20% ($0.68)

UNTY 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

UNTY Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

UNTY Price CAGR:1Y: 18.92%2Y: 20.52%5Y: 17.60%10Y: 16.66%

UNTY Dividend Charts

UNTY - Dividends

UNTY Dividend CAGR:1Y: 5.33%2Y: 9.71%5Y: 11.62%10Y: 13.10%

UNTY - Dividend Payout Ratio

UNTY Dividend Payout Ratio CAGR:1Y: 32.91%2Y: -9.14%5Y: 0.25%10Y: -0.26%

UNTY - Dividend to Free Cash Flow Ratio

UNTY Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

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UNTY Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

UNTY - Revenue

UNTY Revenue CAGR:1Y: -33.54%2Y: -8.31%5Y: 9.86%10Y: 11.16%

UNTY - Earnings Per Share (EPS)

UNTY EPS CAGR:1Y: -11.80%2Y: 23.57%5Y: 12.16%10Y: 16.82%

UNTY - Net Income

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UNTY Net Income CAGR:1Y: -12.24%2Y: 23.72%5Y: 11.45%10Y: 17.75%

UNTY - EBITDA

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UNTY EBITDA CAGR:1Y: -14.53%2Y: 20.89%5Y: 7.11%10Y: 10.54%

UNTY - Free Cash Flow

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UNTY Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

UNTY - Free Cash Flow / Share

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UNTY Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

UNTY - Operating Income

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UNTY Operating Income CAGR:1Y: -13.36%2Y: 21.90%5Y: 7.30%10Y: 10.96%

UNTY - Gross Profit

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UNTY Gross Profit CAGR:1Y: -4.96%2Y: 16.08%5Y: 9.35%10Y: 10.90%

UNTY - Shares Outstanding

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UNTY Shares Outstanding CAGR:1Y: 0.09%2Y: 0.35%5Y: -0.67%10Y: 0.77%

UNTY - Share Buybacks

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UNTY Share Buybacks CAGR:1Y: -83.28%2Y: -58.06%5Y: -18.06%10Y: 0.00%

UNTY - Stock-Based Comp

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UNTY Stock-Based Comp CAGR:1Y: 8.21%2Y: 13.53%5Y: 7.18%10Y: 15.36%

UNTY - Expenses

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UNTY Expenses CAGR:1Y: -49.73%2Y: -17.17%5Y: -12.85%10Y: -23.98%

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 - Revenue by Segment

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UNTY Revenue CAGR:1Y: -33.54%2Y: -8.31%5Y: 9.86%10Y: 11.16%

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

UNTY - REVENUE: Actual + Estimates

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UNTY Actual Revenue CAGR:1Y: -33.54%2Y: -8.31%5Y: 9.86%10Y: 11.16%

UNTY - EPS: Actual + Estimates

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UNTY Actual EPS CAGR:1Y: -11.80%2Y: 23.57%5Y: 12.16%10Y: 16.82%

UNTY - NET INCOME: Actual + Estimates

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UNTY Actual Net Income CAGR:1Y: -12.24%2Y: 23.72%5Y: 11.45%10Y: 17.75%

UNTY - EBITDA: Actual + Estimates

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UNTY Actual EBITDA CAGR:1Y: -14.53%2Y: 20.89%5Y: 7.11%10Y: 10.54%

Ratios, Profit Margins & Return on Capital:

UNTY - Net Profit Margin

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UNTY Net Profit Margin CAGR:1Y: -9.31%2Y: 11.83%5Y: -5.90%10Y: 2.02%

UNTY - Gross Profit Margin

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UNTY Gross Profit Margin CAGR:1Y: -1.77%2Y: 4.92%5Y: -7.67%10Y: -3.91%

UNTY - Price to Earnings

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UNTY Price to Earnings CAGR:1Y: 41.97%2Y: 15.48%5Y: 8.33%10Y: 0.67%

UNTY - Price To Sales Ratio

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UNTY Price To Sales Ratio CAGR:1Y: 28.76%2Y: 28.98%5Y: 1.90%10Y: 2.69%

UNTY - Return on Capital Employed

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UNTY Return on Capital Employed CAGR:1Y: 55.22%2Y: 45.13%5Y: 46.71%10Y: 22.69%

UNTY - Return on Invested Capital

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UNTY Return on Invested Capital CAGR:1Y: -12.26%2Y: 10.04%5Y: -1.15%10Y: -0.22%

UNTY Dividends Info:

Annual Dividend: $0.68

Forward Yield: 1.2%

Ex-Dividend Date: 2026-09-03

Lifetime Dividends / Share: $5.48

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 the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
09/03/2026	09/07/2026	$0.170	1.15%	1.16%	$58.80
06/04/2026	06/08/2026	$0.160	1.19%	1.17%	$54.71
03/06/2026	03/09/2026	$0.160	1.25%	1.27%	$50.41
12/05/2025	12/08/2025	$0.150	1.15%	1.14%	$52.50
09/05/2025	09/08/2025	$0.150	1.15%	1.14%	$52.75
06/06/2025	06/09/2025	$0.140	1.3%	1.29%	$43.25
03/14/2025	03/17/2025	$0.140	1.32%	1.33%	$42.08
12/13/2024	12/16/2024	$0.130	1.11%	1.09%	$47.50
09/06/2024	09/09/2024	$0.130	1.62%	1.61%	$32.36
06/07/2024	06/10/2024	$0.130	1.98%	1.98%	$26.22
03/14/2024	03/18/2024	$0.130	1.94%	1.9%	$27.32
12/14/2023	12/18/2023	$0.120	1.74%	1.72%	$27.84
09/07/2023	09/11/2023	$0.120	2.06%	2.03%	$23.66
06/08/2023	06/12/2023	$0.120	2%	2.02%	$23.75
03/09/2023	03/13/2023	$0.120	1.93%	2.15%	$22.33
12/15/2022	12/30/2022	$0.110	1.65%	1.61%	$27.33
09/08/2022	09/23/2022	$0.110	1.6%	1.71%	$25.80
06/09/2022	06/24/2022	$0.110	1.56%	1.7%	$25.82
03/10/2022	03/25/2022	$0.100	1.44%	1.41%	$28.37
12/16/2021	12/31/2021	$0.100	1.55%	1.52%	$26.25
09/09/2021	09/24/2021	$0.090	1.58%	1.56%	$23.02
06/10/2021	06/25/2021	$0.090	1.59%	1.62%	$22.16
03/11/2021	03/26/2021	$0.080	1.45%	1.46%	$21.88
12/16/2020	12/31/2020	$0.080	1.79%	1.82%	$17.55
09/10/2020	09/25/2020	$0.080	2.6%	2.89%	$11.07
06/11/2020	06/26/2020	$0.080	2.31%	2.42%	$13.21
03/12/2020	03/27/2020	$0.080	2.15%	2.83%	$11.29
12/12/2019	12/27/2019	$0.080	1.38%	1.41%	$22.67
09/12/2019	09/27/2019	$0.080	1.54%	1.45%	$22.08
06/13/2019	06/28/2019	$0.080	1.54%	1.41%	$22.70
03/14/2019	03/29/2019	$0.070	1.34%	1.48%	$18.88
12/13/2018	12/28/2018	$0.070	1.35%	1.39%	$20.13
09/13/2018	09/28/2018	$0.070	1.17%	1.22%	$22.90
06/14/2018	06/29/2018	$0.070	1.26%	1.23%	$22.75
03/15/2018	03/30/2018	$0.060	1.06%	1.09%	$22.00
12/14/2017	12/29/2017	$0.060	1.19%	1.22%	$19.75
09/14/2017	09/29/2017	$0.060	1.32%	1.21%	$19.80
06/13/2017	06/29/2017	$0.060	1.48%	1.41%	$17.00
03/15/2017	03/31/2017	$0.050	1.19%	1.18%	$16.95
12/14/2016	12/30/2016	$0.050	1.37%	1.27%	$15.70
09/09/2016	09/29/2016	$0.045	1.53%	1.46%	$12.43
06/14/2016	06/30/2016	$0.036	1.28%	1.26%	$11.55
03/15/2016	03/31/2016	$0.036	1.47%	1.41%	$10.34
12/11/2015	12/30/2015	$0.036	1.47%	1.32%	$11.05
09/11/2015	09/30/2015	$0.036	1.64%	1.64%	$8.88
06/11/2015	06/30/2015	$0.027	1.29%	1.23%	$8.90
03/12/2015	03/31/2015	$0.027	1.31%	1.32%	$8.25
12/04/2014	12/19/2014	$0.027	1.2%	1.26%	$8.68
09/10/2014	09/26/2014	$0.027	0.65%	0.64%	$8.57
06/11/2014	06/27/2014	$0.018	0.44%	0.44%	$8.19
03/13/2014	03/31/2014	$0.018	0.5%	0.5%	$7.23
12/12/2013	12/30/2013	$0.009	0.26%	0.26%	$6.91
09/12/2013	09/30/2013	$0.009	0.26%	0.27%	$6.78
06/13/2013	06/28/2013	$0.009	0.28%	0.28%	$6.45
07/09/2008	07/25/2008	$0.045	3.21%	2.94%	$6.19
04/09/2008	04/25/2008	$0.043	2.7%	2.52%	$6.88
01/09/2008	01/25/2008	$0.043	2.35%	2.21%	$7.82
10/10/2007	10/26/2007	$0.043	1.84%	1.95%	$8.88
07/11/2007	07/27/2007	$0.043	1.91%	1.92%	$9.02
04/11/2007	04/27/2007	$0.041	1.72%	1.68%	$9.81
01/10/2007	01/26/2007	$0.041	1.39%	1.43%	$11.51
10/11/2006	10/27/2006	$0.041	1.26%	1.4%	$11.75
07/12/2006	07/28/2006	$0.041	1.18%	1.21%	$13.67
04/11/2006	04/28/2006	$0.039	1.25%	1.19%	$13.25
01/11/2006	01/27/2006	$0.039	1.43%	1.43%	$10.99
10/12/2005	10/28/2005	$0.039	1.59%	1.55%	$10.11
07/13/2005	07/29/2005	$0.039	1.73%	1.68%	$9.34
04/13/2005	04/29/2005	$0.030	1.33%	1.35%	$8.84
01/12/2005	01/28/2005	$0.030	0.57%	0.63%	$9.54
10/13/2004	10/29/2004	$0.030	0.65%	0.67%	$8.97
07/13/2004	07/30/2004	$0.030	0.6%	0.63%	$9.54
04/13/2004	04/30/2004	$0.028	0.59%	0.63%	$9.08
01/13/2004	01/31/2004	$0.021	0.5%	0.48%	$8.94
10/10/2003	10/31/2003	$0.021	0.53%	0.52%	$8.19
10/27/1999	11/16/1999	$0.041	3.1%	3.05%	$5.34
08/06/1999	08/25/1999	$0.041	2.49%	2.6%	$6.27
05/06/1999	05/25/1999	$0.041	2.4%	2.23%	$7.29
02/03/1999	02/16/1999	$0.034	1.96%	1.91%	$7.12
12/17/1998	12/24/1998	$0.033	1.76%	1.76%	$7.38
10/28/1998	11/13/1998	$0.021	1.07%	1.11%	$7.43
07/29/1998	08/05/1998	$0.032	1.45%	1.45%	$8.92
04/29/1998	05/06/1998	$0.022	0.78%	0.78%	$11.04
01/21/1998	01/28/1998	$0.022	0.95%	0.95%	$9.07
10/08/1997	10/15/1997	$0.022	0.6%	0.6%	$7.16
07/02/1997	07/09/1997	$0.022	0.73%	0.73%	$5.87
04/11/1997	04/18/1997	$0.022	0.68%	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 +16.66%
Dividend CAGR of +12.36%

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	$56.82	$56.82
Start Shares	175.99	175.99
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	194.80	175.99
Dividends Payment	$0.55	$0.55
Annual Dividends	$425	$384
Yield on cost	4.25%	3.84%
Share Price	$265.28	$265.28
Total Dividends	$2,275	$2,137
Final Value	$51,677	$48,825

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 traded on NASDAQ stock exchange.

As the parent entity of Unity Bank, Unity Bancorp, Inc. delivers a comprehensive range of commercial and retail banking solutions, catering to individual consumers, small and mid-sized enterprises, and professional organizations. Its product portfolio encompasses various deposit accounts, such as personal and business checking, certificates of deposit (time deposits), money market accounts, and traditional savings accounts, alongside both interest-earning and non-interest-bearing demand deposit options. Furthermore, the bank extends a variety of lending products, including Small Business Administration (SBA) loans, commercial financing, and consumer credit facilities, which feature residential mortgages, home equity lines of credit and loans, residential construction financing, and personal loans. Customers can access these services both online and through its network of nineteen physical branches, strategically situated across Bergen, Hunterdon, Middlesex, Somerset, Union, and Warren counties in New Jersey, and Northampton County in Pennsylvania. Established in 1991, Unity Bancorp, Inc. maintains its corporate headquarters in Clinton, New Jersey.

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

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DCF Model — UNTY

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $56.82

—

Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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