UNITY BANCORP INC /NJ/
About UNITY BANCORP INC /NJ/
Unity Bancorp Inc is a bank holding company that serves as a holding company for Unity Bank. The Company has elected to become a financial holding company pursuant to regulations of the Board of Governors of the Federal Reserve System (the FRB). The Company's primary business is ownership and supervision of the Bank. The Company and the Bank derive a majority of their revenue from net interest income (i.e., the difference between the interest received on loans and securities and the interest paid on deposits and borrowings). The Company, through the Bank, conducts a traditional and community-oriented commercial banking business and services, personal and business checking accounts, time deposits, money market accounts, savings accounts, credit cards, automated teller service, and others.
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Financial summary
- Net income
- $58.0M
- Total assets
- $3.0B
- Market cap
- $554.0M
- Operating margin
- 43.5%
- Net margin
- 33.4%
Source: SEC EDGAR · updated Jun 7, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $173.6M
- Operating expenses
- $98.1M
- Operating income
- $75.5M
- Income tax
- $17.6M
- Net income
- $58.0M
- EPS (basic)
- $5.78
- EPS (diluted)
- $5.67
Balance sheet
- Total assets
- $3.0B
- Current assets
- $3.0B
- Total liabilities
- $2.6B
- Current liabilities
- $2.6B
- Shareholders’ equity
- $345.6M
Cash flow
- Operating cash flow
- $44.9M
- Investing cash flow
- -$256.8M
- Financing cash flow
- $248.0M
- Net cash flow
- $36.1M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year
52-week range
- Market cap
- $554.0M
- P/E ratio
- 9.6
- EPS (diluted)
- $5.67
- Dividend yield
- 1.17%
- Shares outstanding
- 10.1M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- May 11, 1989
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Profitable — net income of $58.0M.
- Revenue grew 105% from FY2021 to FY2025.
- Trading 4% below its 52-week high.
- Pays a dividend yielding about 1.17% annually.
- Valued at a price-to-earnings (P/E) ratio of 9.6.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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