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Financials · UNTY

Unity Bancorp Inc. (UNTY) financials

For the twelve months ended Sep 30, 2026, Unity Bancorp Inc. reported $139.27M of revenue and $61.61M of net income.

Revenue, TTM
$139.27M
Revenue growth, YoY
+11.5%
Net income, TTM
$61.61M
Net income growth, YoY
+14.1%
Net margin
44.2%
Free cash flow, TTM
$30.56M
EPS, diluted, TTM
$6.04
EPS growth, YoY
+14.4%
Cash
$230.14M
P/E
9.56
P/S
4.23
Market cap
$589.0M
Annual revenue$131.81M
FY2016FY2025
Annual net income$57.95M
FY2016FY2025
Annual free cash flow$44.34M
FY2016FY2025

UNTY revenue and earnings growth

UNTY revenueQ3 2026$36.65M

Quarter YoY
+11.7%
QoQ
+8.6%
FY YoY
+23.1%
5Y CAGR
+11.2%
10Y CAGR
+12.2%

UNTY revenue was $36.65M in fiscal Q3 2026 (ended Sep 30, 2026), up 11.7% from a year earlier and up 8.6% from the prior quarter. For the full fiscal 2025 it was $131.81M, up 23.1% from fiscal 2024. Compound annual growth was +11.2% over 5 years and +12.2% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

UNTY net incomeQ3 2026$17.38M

Quarter YoY
+20.8%
QoQ
+20.1%
FY YoY
+39.8%
5Y CAGR
+19.6%
10Y CAGR
+19.7%

UNTY net income was $17.38M in fiscal Q3 2026 (ended Sep 30, 2026), up 20.8% from a year earlier and up 20.1% from the prior quarter. For the full fiscal 2025 it was $57.95M, up 39.8% from fiscal 2024. Compound annual growth was +19.6% over 5 years and +19.7% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

UNTY EPSQ3 2026$1.70

Quarter YoY
+20.6%
QoQ
+19.7%
FY YoY
+39.7%
5Y CAGR
+21.0%
10Y CAGR
+18.7%

UNTY diluted EPS was $1.70 in fiscal Q3 2026 (ended Sep 30, 2026), up 20.6% from a year earlier and up 19.7% from the prior quarter. For the full fiscal 2025 it was $5.67, up 39.7% from fiscal 2024. Compound annual growth was +21.0% over 5 years and +18.7% over 10 years.

UNTY free cash flowQ3 2026$48.19M

Quarter YoY
+8.5%
FY YoY
-6.2%
5Y CAGR
+15.3%
10Y CAGR
+36.1%

UNTY free cash flow was $48.19M in fiscal Q3 2026 (ended Sep 30, 2026), up 8.5% from a year earlier. For the full fiscal 2025 it was $44.34M, down 6.2% from fiscal 2024. Compound annual growth was +15.3% over 5 years and +36.1% over 10 years. It rose in 5 of the last 8 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$131.81M$107.08M$103.14M$98.15M$89.09M$77.38M$67.13M$62.78M$54.13M$49.32M
Interest expense--$48.50M$10.63M$7.74M$14.48M$18.05M$13.52M$9.45M$8.77M
Pre-tax income$75.51M$54.39M$52.99M$51.42M$48.13M$31.12M$30.32M$27.31M$22.43M$20.47M
Income tax$17.56M$12.94M$13.29M$12.96M$12.01M$7.47M$6.66M$5.39M$9.54M$7.26M
Net income$57.95M$41.45M$39.71M$38.46M$36.12M$23.64M$23.65M$21.92M$12.89M$13.21M
EPS, basic$5.78$4.13$3.89$3.66$3.47$2.21$2.18$2.04$1.22$1.40
EPS, diluted$5.67$4.06$3.84$3.59$3.43$2.19$2.14$2.01$1.20$1.38
Diluted shares10.2M10.2M10.3M10.7M10.5M10.8M11.0M10.9M10.7M9.6M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$216.52M$180.44M$194.78M$114.79M$244.82M$219.31M$158.02M$145.51M$150.25M$105.89M
Goodwill$1.52M$1.52M$1.52M$1.50M$1.50M$1.50M$1.50M$1.52M$1.52M$1.52M
Total assets$2.97B$2.65B$2.58B$2.44B$2.03B$1.96B$1.72B$1.58B$1.46B$1.19B
Total debt$266.08M$230.81M$366.75M$393.31M$50.31M$210.31M$293.31M$220.31M$285.31M$131.31M
Total liabilities$2.62B$2.36B$2.32B$2.21B$1.83B$1.79B$1.56B$1.44B$1.34B$1.08B
Shareholders' equity$345.63M$295.58M$261.43M$239.23M$205.73M$173.91M$160.71M$138.49M$118.11M$106.29M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$44.91M$47.99M$46.91M$42.67M$32.53M$22.32M$33.20M$38.59M$14.45M$8.79M
Capital expenditures$564.0K$693.0K$955.0K$1.48M$1.25M$559.0K$709.0K$1.51M$1.51M$9.60M
Free cash flow$44.34M$47.29M$45.95M$41.19M$31.28M$21.76M$32.49M$37.08M$12.94M-$807.0K
Investing cash flow-$256.84M-$92.81M-$57.85M-$541.28M-$40.52M-$175.36M-$133.12M-$140.65M-$219.63M-$81.83M
Financing cash flow$248.01M$30.49M$90.92M$368.59M$33.49M$214.33M$112.41M$97.32M$249.54M$90.78M
Dividends paid$5.61M$5.02M$4.72M$4.37M$3.62M$3.30M$3.25M$2.80M$2.38M$1.52M
Share repurchases$5.04M$6.21M$15.69M$42.0K$4.19M$7.44M----
Stock-based compensation$2.09M$1.82M$1.75M$1.68M$1.62M$1.41M$1.27M$1.05M$746.0K$545.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY23.1%3.8%5.1%10.2%15.1%15.3%6.9%16.0%9.8%18.2%
Net income growth, YoY39.8%4.4%3.3%6.5%52.8%-0.0%7.9%70.0%-2.4%38.2%
EPS growth, YoY39.7%5.7%7.0%4.7%56.6%2.3%6.5%67.5%-13.0%35.3%
Net margin44.0%38.7%38.5%39.2%40.5%30.6%35.2%34.9%23.8%26.8%
Free cash flow margin33.6%44.2%44.6%42.0%35.1%28.1%48.4%59.1%23.9%-1.6%
Return on equity16.8%14.0%15.2%16.1%17.6%13.6%14.7%15.8%10.9%12.4%
Return on assets2.0%1.6%1.5%1.6%1.8%1.2%1.4%1.4%0.9%1.1%
Debt to equity0.770.781.401.640.241.211.831.592.421.24

Source: XBRL data Unity Bancorp Inc. files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

UNTY peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
UNTY$139.27M+11.5%$61.61M44.2%$589.0M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

UNTY FAQ

8 questions
  • What is UNTY revenue?
    Unity Bancorp Inc. (UNTY) reported $139.27M of revenue for the twelve months ended Sep 30, 2026. That is up 11.5% from the year before. Revenue for fiscal 2025 was $131.81M.
  • Is UNTY profitable?
    Yes. Unity Bancorp Inc. earned $61.61M in net income for the twelve months ended Sep 30, 2026, a net margin of 44.2%.
  • How much cash and debt does UNTY have?
    Unity Bancorp Inc. reported $230.14M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is UNTY revenue growing?
    Unity Bancorp Inc.'s revenue changed +23.1% in fiscal 2025, to $131.81M. Its compound annual growth rate was +11.2% over 5 years and +12.2% over 10 years.
  • What is UNTY free cash flow?
    Unity Bancorp Inc. generated $30.56M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $31.51M less capital expenditures.
  • What is UNTY earnings per share?
    Diluted earnings per share were $6.04 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did UNTY last report financial results?
    The latest statements here come from Unity Bancorp Inc.'s 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.
  • Where does this UNTY financial data come from?
    Quantisnow builds these statements from the structured XBRL data Unity Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.