# Unity Bancorp Inc. (UNTY) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $59.96, market value $602 million.

## Valuation
- **P/E (trailing): 10.4×** (5-yr avg 8.3×, 3-yr avg 9.0×). Unity Bancorp Inc. trades at 10.4× trailing earnings, well above its own five-year average of 8.3×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.24**. A PEG of 0.24 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 4.6%** (5-yr avg 12.4%). Free cash flow equals 4.6% of the market value, below its five-year average of 12.4%, so the shares are pricier on cash than usual.
- **Earnings yield: 9.6%**. The inverse of the P/E: 9.6% of the price is earned each year.

## Profitability
- **Return on equity: 16.8%**. 16.8% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 39.7%** (3-yr 16.5%/yr, 5-yr 21.0%/yr). Earnings per share rose 39.7%.
- **Free-cash-flow growth (3 yr): 2.5%/yr**. Free cash flow has compounded at 2.5% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 1.14%** ($0.62 per share, trailing). Unity Bancorp Inc. yields 1.14%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 10%** (22% of free cash flow). 10% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 13**. 13 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 12.6%/yr** (1-yr 11.5%). The dividend has compounded at 12.6% a year over five years, doubling roughly every 6 years at that pace.

## Price and momentum
- **Total return (1 yr): 14.5%** (YTD 16.6%, 3-mo 8.7%). The shares are up 14.5% over twelve months including dividends.
- **From 52-week high: -4.1%** (35.2% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 57**. An RSI of 57 is neutral.
- **Beta (1 yr): 0.62** (volatility 28%). Beta of 0.62 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=UNTY · Page: https://foliofundamentals.com/stocks/unty

Not investment advice.