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UNITY BANCORP INC /NJ/

UNTY

$57.90 ▼ -1.34 (-2.26%) at close

17 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

UNITY BANCORP INC /NJ/ shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $580.9M

Dividend Yield 1.00%

Revenue Growth 23.1% ↗

Op. Margin 57.3% ↗

ROIC None

FCF / Share None

Trailing P/E 10.0x

Price / Book 1.7x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$131.81M

↑ +23.1% —

Net Income Profit after all expenses

$57.95M

↑ +39.8% —

Operating Margin Operating profit as % of sales

57.3%

↑ +12.8% 98th

Long-Term Debt Long-term obligations

$366.75M

↓ -6.8% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns →

Dividend History

Dividend / share · sourced from SEC filings

$0.58 Latest / share

+11.5% YoY

+17.3% 12-yr CAGR

$0.10

FY 2014

$0.14

FY 2015

$0.18

FY 2016

$0.23

FY 2017

$0.27

FY 2018

$0.31

FY 2019

$0.32

FY 2020

$0.36

FY 2021

$0.43

FY 2022

$0.48

FY 2023

$0.52

FY 2024

$0.58

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	23.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+285%)	3.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-36%)	5.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-15%)	10.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+69%)	15.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+152%)	15.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+154%)	6.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+16%)	16.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+166%)	9.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+63%)	18.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+203%)	13.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+123%)	8.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+35%)	-2.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-135%)	0.4% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-94%)	-1.2% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-121%)	—	—
EPS Growth YoY (%)	40.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	6.2% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	6.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	5.5% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	57.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	1.4% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	6.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	67.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-12.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	23.9% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	37.8% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	49.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	57.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	169.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	30.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	39.8% Excellent ↑ Excellent Improving Year-over-year change in net income	4.4% Caution ↓ Caution Declining Year-over-year change in net income	3.3% Caution ↓ Caution Declining Year-over-year change in net income	6.5% Fair ↓ Fair Declining Year-over-year change in net income	52.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-0.0% Weak ↓ Weak Declining Year-over-year change in net income	7.9% Fair ↓ Fair Declining Year-over-year change in net income	70.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-2.4% Weak ↓ Weak Declining Year-over-year change in net income	38.2% Excellent ↑ Excellent Improving Year-over-year change in net income	49.1% Excellent ↑ Excellent Improving Year-over-year change in net income	25.3% Excellent ↓ Excellent Declining Year-over-year change in net income	20.5% Good ↓ Good Declining Year-over-year change in net income	66.7% Excellent Excellent Year-over-year change in net income	13.7% Fair Fair Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	10.3% Good → Good Stable Compound annual revenue growth over 3 years	6.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	10.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	13.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	12.4% Good → Good Stable Compound annual revenue growth over 3 years	12.7% Good → Good Stable Compound annual revenue growth over 3 years	10.8% Good ↓ Good Declining Compound annual revenue growth over 3 years	14.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	13.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	13.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	6.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.0% Caution Caution Compound annual revenue growth over 3 years	-1.0% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	11.2% Good → Good Stable Compound annual revenue growth over 5 years	9.8% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.4% Good ↓ Good Declining Compound annual revenue growth over 5 years	12.6% Excellent → Excellent Stable Compound annual revenue growth over 5 years	12.6% Excellent → Excellent Stable Compound annual revenue growth over 5 years	13.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	12.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	9.3% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.3% Fair Fair Compound annual revenue growth over 5 years	3.5% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	16.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	6.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	20.7% Excellent → Excellent Stable Compound annual EPS growth over 3 years	18.9% Excellent → Excellent Stable Compound annual EPS growth over 3 years	19.4% Excellent → Excellent Stable Compound annual EPS growth over 3 years	21.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.9% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	21.8% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	14.2% Good ↓ Good Declining Compound annual EPS growth over 3 years	36.5% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	47.8% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	84.8% Excellent Excellent Compound annual EPS growth over 3 years	76.5% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	57.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+129%)	50.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+103%)	51.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+106%)	52.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+110%)	54.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+116%)	40.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+61%)	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	23.3% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.8% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.1% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.2% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.0% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.0% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	44.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+100%)	38.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+76%)	38.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+75%)	39.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+78%)	40.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+84%)	30.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	35.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	34.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	23.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	26.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	22.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	17.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	15.0% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	12.2% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	7.4% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	6.4% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	2.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	16.8% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+40%)	14.0% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+17%)	15.2% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+27%)	16.1% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+34%)	17.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+46%)	13.6% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	14.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+23%)	15.8% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+32%)	10.9% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	12.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	8.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	5.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-54%)	3.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	3.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Debt to Equity (x)	—	—	1.40x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+17%)	1.64x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+37%)	0.24x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	—	1.83x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+52%)	1.59x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+33%)	—	1.24x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.37x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+14%)	2.00x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+67%)	2.14x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+79%)	1.17x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$13.14	$10.67	$10.10	$9.34	$8.56	$7.23	$6.19	$5.85	$5.13	$5.24	$4.95	$4.68	$4.51	$4.65	$4.72	$4.89	—
Basic EPS, GAAP (USD)	$5.78	$4.13	$3.89	$3.66	$3.47	$2.21	$2.18	$2.04	$1.22	$1.40	$1.13	$0.82	$0.55	$0.35	$0.13	$0.10	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.58	$0.52	$0.48	$0.43	$0.36	$0.32	$0.31	$0.27	$0.23	$0.18	$0.14	$0.10	$0.03	—	—	—	—
Book Value per Share (USD)	$34.63	$29.48	$25.98	$22.60	$19.80	$16.63	$14.77	$12.85	$11.13	$10.15	$9.30	$8.36	$7.55	$10.29	$9.86	$9.77	—
Tangible Book Value per Share (USD)	$34.47	$29.33	$25.83	$22.46	$19.65	$16.63	$14.63	$12.71	$11.13	$10.00	$9.12	$8.18	$7.35	$10.29	$9.86	$9.77	—
Basic Weighted Avg Shares (shares)	10.03M	10.03M	10.21M	10.51M	10.40M	10.71M	10.85M	10.73M	10.56M	9.42M	8.43M	7.86M	7.55M	7.48M	7.33M	7.17M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	$366.75M	$393.31M	$50.31M	—	$293.31M	$220.31M	—	$131.31M	$107.47M	$140.47M	$122.47M	$90.47M	—	—	—
Total Equity (USD)	$345.63M	$295.58M	$261.43M	$239.23M	$205.73M	$173.91M	$160.71M	$138.49M	$118.11M	$106.29M	$78.47M	$70.12M	$57.17M	$77.51M	$73.56M	$70.08M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$131.81M	$107.08M	$103.14M	$98.15M	$89.09M	$77.38M	$67.13M	$62.78M	$54.13M	$49.32M	$41.72M	$36.79M	$34.03M	$34.77M	$34.63M	$35.07M	—
Depreciation Expense (USD)	$1.40M	$1.50M	$1.40M	$1.40M	$1.60M	$1.60M	$1.70M	$1.60M	$1.40M	$1.10M	$990.00K	$1.00M	$1.20M	$1.10M	$1.10M	—	—
Net Income, GAAP (USD)	$57.95M	$41.45M	$39.71M	$38.46M	$36.12M	$23.64M	$23.65M	$21.92M	$12.89M	$13.21M	$9.56M	$6.41M	$5.12M	$4.24M	$2.55M	$2.24M	—
Operating Cash Flow (USD)	$44.91M	$47.99M	$46.91M	$42.67M	$23.45M	$33.74M	$33.20M	$38.59M	$14.45M	—	—	—	—	—	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Net Interest Margin (approx.) (%)	3.9%	3.7%	3.7%	3.7%	3.8%	3.3%	3.4%	3.4%	3.2%	3.2%	3.1%	3.0%	3.0%	3.3%	3.6%	3.7%	—
Efficiency Ratio (%) (%)	39.7%	45.5%	45.5%	43.4%	45.8%	50.7%	51.7%	53.2%	55.5%	56.0%	64.4%	67.1%	70.5%	69.9%	70.8%	71.3%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 17 years · 67 quarters

UNITY BANCORP INC /NJ/

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17-Year Financial Trajectory

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