Unity Bancorp, Inc. financials
Source: EDGAR filings · Built 2026-06-02T04:17:24Z
Key metrics by reporting period
Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.
Derived Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2020 | FY 2020 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 44.34M | 47.29M | 45.95M | 41.19M | 31.28M | 21.76M |
| Net Debt | 54.57M | 55.18M | 177.27M | 284.12M | -189.21M | -6.58M |
| Return on Equity (ROE) | 16.77% | 14.02% | 15.19% | 16.08% | 17.56% | 13.60% |
| Return on Assets (ROA) | 1.95% | 1.56% | 1.54% | 1.57% | 1.78% | 1.21% |
| Debt-to-Equity | 0.78× | 0.80× | 1.42× | 1.67× | 0.27× | 1.22× |
| Effective Tax Rate | 23.26% | 23.79% | 25.07% | 25.21% | 24.96% | 24.02% |
| Cash Conversion Ratio | 0.77× | 1.16× | 1.18× | 1.11× | 0.90× | 0.94× |
| Accruals Ratio | 0.00× | -0.00× | -0.00× | -0.00× | 0.00× | 0.00× |
| CapEx Coverage | 79.62× | 69.25× | 49.12× | 28.79× | 26.04× | 39.93× |
| Free Cash Flow Per Share | $4.34 | $4.64 | $4.45 | $3.85 | $2.97 | $2.01 |
Valuation Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2020 | FY 2020 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 9.12× | 10.74× | 7.71× | 7.61× | 7.65× | 8.01× |
| P/FCF | 11.92× | 9.41× | 6.66× | 7.10× | 8.85× | 8.72× |
| FCF Yield | 8.39% | 10.63% | 15.02% | 14.08% | 11.30% | 11.47% |
| P/B | 1.49× | 1.48× | 1.14× | 1.21× | 1.33× | 1.06× |
Income Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2020 | FY 2020 |
|---|---|---|---|---|---|---|
| Income Tax Expense (Benefit) | 17.56M | 12.94M | 13.29M | 12.96M | 12.01M | 7.47M |
| Net Income (Loss) Attributable to Parent | 57.95M | 41.45M | 39.71M | 38.46M | 36.12M | 23.64M |
| Earnings Per Share, Basic | $5.78 | $4.13 | $3.89 | $3.66 | $3.47 | $2.21 |
| Weighted Average Number of Shares Outstanding, Basic | 10.03M | 10.03M | 10.21M | 10.51M | 10.40M | 10.71M |
| Earnings Per Share, Diluted | $5.67 | $4.06 | $3.84 | $3.59 | $3.43 | $2.19 |
| Weighted Average Number of Shares Outstanding, Diluted | 10.22M | 10.20M | 10.34M | 10.71M | 10.55M | 10.81M |
Balance Sheet
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2020 | FY 2020 |
|---|---|---|---|---|---|---|
| Assets | 2.97B | 2.65B | 2.58B | 2.44B | 2.03B | 1.96B |
| Long-term Debt | — | 230.81M | 366.75M | 393.31M | 50.31M | 210.31M |
| Liabilities | 2.62B | 2.36B | 2.32B | 2.21B | 1.83B | 1.79B |
| Stockholders' Equity Attributable to Parent | 345.63M | 295.58M | 261.43M | 239.23M | 205.73M | 173.91M |
| Common Stock, Shares, Outstanding | 9.98M | 10.03M | 10.06M | 10.58M | 10.39M | 10.46M |
Cash Flow Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2020 | FY 2020 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 44.91M | 47.99M | 46.91M | 42.67M | 32.53M | 22.32M |
| Payments to Acquire Property, Plant, and Equipment | 564.00K | 693.00K | 955.00K | 1.48M | 1.25M | 559.00K |
| Net Cash Provided by (Used in) Investing Activities | -256.84M | -92.81M | -57.85M | -541.28M | -40.52M | -175.36M |
| Payments for Repurchase of Common Stock | 5.04M | 6.21M | 15.69M | 42.00K | 4.19M | 7.44M |
| Net Cash Provided by (Used in) Financing Activities | 248.01M | 30.49M | 90.92M | 368.59M | 33.49M | 214.33M |
Derived Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 14.50M | 6.95M | 37.39M | -7.93M | 17.57M | 22.68M |
| Net Debt | — | 54.57M | — | — | — | 55.18M |
| Return on Equity (ROE) | 3.99% | 4.48% | 4.31% | 5.16% | 3.79% | 3.89% |
| Return on Assets (ROA) | 0.47% | 0.52% | 0.50% | 0.56% | 0.42% | 0.43% |
| Debt-to-Equity | — | 0.78× | — | — | — | 0.80× |
| Effective Tax Rate | 22.71% | 21.44% | 23.73% | 23.40% | 24.81% | 20.59% |
| Cash Conversion Ratio | 1.04× | 0.44× | 2.65× | -0.45× | 1.54× | 2.00× |
| Accruals Ratio | -0.00× | 0.00× | -0.01× | 0.01× | -0.00× | -0.00× |
| CapEx Coverage | 35.11× | -58.90× | 55.99× | -16.02× | 63.99× | 67.91× |
| Free Cash Flow Per Share | $1.42 | $0.68 | $3.65 | $-0.78 | $1.72 | $2.22 |
Valuation Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 8.73× | 9.12× | 9.26× | 9.53× | 9.58× | 10.74× |
| P/B | 1.45× | 1.49× | 1.47× | 1.48× | 1.34× | 1.48× |
Income Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Income Tax Expense (Benefit) | 4.20M | 4.22M | 4.48M | 5.04M | 3.83M | 2.98M |
| Net Income (Loss) Attributable to Parent | 14.29M | 15.47M | 14.39M | 16.49M | 11.60M | 11.51M |
| Earnings Per Share, Basic | $1.43 | $1.55 | $1.43 | $1.64 | $1.15 | $1.15 |
| Weighted Average Number of Shares Outstanding, Basic | 10.01M | 10.03M | 10.04M | 10.03M | 10.05M | 10.03M |
| Earnings Per Share, Diluted | $1.40 | $1.52 | $1.41 | $1.61 | $1.13 | $1.13 |
| Weighted Average Number of Shares Outstanding, Diluted | 10.20M | 10.22M | 10.23M | 10.21M | 10.25M | 10.20M |
Balance Sheet
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Assets | 3.03B | 2.97B | 2.88B | 2.93B | 2.77B | 2.65B |
| Long-term Debt | — | — | — | — | — | 230.81M |
| Liabilities | 2.67B | 2.62B | 2.54B | 2.61B | 2.46B | 2.36B |
| Stockholders' Equity Attributable to Parent | 358.10M | 345.63M | 334.02M | 319.84M | 306.14M | 295.58M |
| Common Stock, Shares, Outstanding | 10.04M | 9.98M | 10.04M | 10.03M | 10.08M | 10.03M |
Cash Flow Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 14.92M | 6.83M | 38.07M | -7.47M | 17.85M | 23.02M |
| Payments to Acquire Property, Plant, and Equipment | 425.00K | -116.00K | 680.00K | 466.00K | 279.00K | 339.00K |
| Net Cash Provided by (Used in) Investing Activities | -47.52M | -69.87M | -186.96M | -117.85M | -82.77M | -44.25M |
| Payments for Repurchase of Common Stock | 324.00K | 3.10M | 1.94M | 1.94M | — | 11.00K |
| Net Cash Provided by (Used in) Financing Activities | 45.24M | 76.08M | 171.94M | 238.61M | 96.07M | 7.16M |
Raw XBRL tagging for a single filing
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Methodology
All facts on this page come straight from SEC EDGAR XBRL
company-facts filings (UNTY CIK 0000920427),
grouped by financial statement using FASB's base
us-gaap presentation taxonomy. Filers may re-parent
concepts onto different statements in their own extension
taxonomy, so a handful of rows can show up under a different
statement than on the actual 10-K / 10-Q; custom concepts and
any we couldn't map fall into Other. Hover a
cell to see the fully-qualified concept name and the filer's
description.
For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.