What is Unity Bancorp, Inc.'s (UNTY) StockRank?

MoatMap's StockRank for Unity Bancorp, Inc. (UNTY) is 64/100, with a Hold signal. This is a composite score combining Quality (66), Value (42), and Momentum (51) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Unity Bancorp, Inc. have an economic moat?

Unity Bancorp, Inc. (UNTY) has a Quality factor score of 66/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Unity Bancorp, Inc. a buy, hold, or sell?

MoatMap's current signal for Unity Bancorp, Inc. (UNTY) is Hold, based on a StockRank of 64/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Unity Bancorp, Inc. in?

Unity Bancorp, Inc. (UNTY) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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UNTY

HoldPremium Grower

Unity Bancorp, Inc. · Financial Services · United States · $590M · Avg Vol: $3M/d

StockRank

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P/E (TTM)

10.4x

ROE

17.0%

D/E

0.8x

Dividend %

1.1%

COMPANY DESCRIPTION

Unity Bancorp, Inc. operates as the holding company for Unity Bank, a regional bank offering a comprehensive range of financial services to individuals and businesses across its market areas in New Jersey and Pennsylvania. Its competitive moat is established through strong local relationships, a focus on small-to-medium-sized businesses, and personalized customer service that fosters client loyalty. Unity Bancorp functions as a community-oriented financial institution embedded in its local economies.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	97.6M	100.9M	104.4M	133.7M	11.1%	130.4M	136.5M	152.9M	6.9%
EPS	3.66	3.89	4.13	5.78	16.5%	5.75	5.96	6.48	5.9%
Shares	10.6M	10.1M	10.0M	10.0M	-5.7%	10.0M	—	—	—
Debt	393.3M	366.7M	230.8M	266.1M	-12.2%	330.7M	—	—	—
Equity	239.2M	261.4M	295.6M	345.6M	13.0%	—	—	—	—
Op CF	42.7M	46.9M	48.0M	44.9M	1.7%	27.6M	—	—	—
Inv CF	-541.3M	-57.8M	-92.8M	-256.8M	—	—	—	—	—
Fin CF	368.6M	90.9M	30.5M	248.0M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+0.7%

SMA 50SMA 200

$59.09

RSI (14)

51.1

52W High

$62.32

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.9%*55.7

ROE

17.0%79.4

GP/Assets

4.4%N/A

Op. Margin

58.2%77.1

FCF/Assets

1.5%N/A

Piotroski

567.4

Int. Cover

—50.0

D/E Ratio

0.77xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

10.4x66.3

EV/EBITDA

bankN/A

P/FCF

13.3xN/A

P/B

1.6x33.7

P/S

4.6x37.0

Div Yield

1.1%11.1

Momentum

52W High %

95%71.0

RS 6M

6%65.3

SMA 50/200

1.07x64.5

EPS Rev 4W

0.0%27.7

EPS Rev 12W

+0.5%45.4

EPS Improve

+11%36.1

Q Growth

-12%18.9

FUNDAMENTALS

Market Cap

$590M

P/E (Forward)

9.4x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of UNTY are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
UNTY	Unity Bancorp, Inc.(you)	$590M	64	Hold
SFST	Southern First Bancshares, Inc.	$590M	63	Hold
HBCP	Home Bancorp, Inc.	$547M	64	Hold
AROW	Arrow Financial Corporation	$611M	63	Hold
NRIM	Northrim BanCorp, Inc.	$571M	67	Buy
BWB	Bridgewater Bancshares, Inc.	$594M	61	Hold
RRBI	Red River Bancshares, Inc.	$663M	62	Hold
KRNY	Kearny Financial Corp.	$638M	67	Buy
BHB	Bar Harbor Bankshares	$661M	67	Buy
BCAL	California BanCorp	$684M	67	Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Price	$59.09
Market Cap	$590M
P/E (TTM)	10.43
P/E (Forward)	9.43
Price/Book	1.62
Return on Equity	17.0%
Debt/Equity	0.77x
Operating Margin	58.2%
Revenue Growth	-5.7%
Dividend Yield	1.1%
Free Cash Flow	$44M