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UNTY Financials Unity Bancorp Inc /Nj/

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Free cash flow has grown 15.3% per year over the past 5 years.

Financial health

  • Total debt ($266M) exceeds cash ($217M); net debt is $50M.

Shareholder returns

  • Dividends have been paid for 13 consecutive years, consuming 9.7% of earnings and 12.6% of free cash flow.
  • The dividend has grown 11.2% per year over the past 5 years.
Net income
$0 $29M $58M 2011 2013 2015 2017 2019 2021 2023 2025
Net income
Return on equity & assets (ROE / ROA)
0% 9% 18% 2011 2013 2015 2017 2019 2021 2023 2025
ROEROA
Shareholders' equity (book value)
$0 $173M $346M 2011 2013 2015 2017 2019 2021 2023 2025
Equity
Free cash flow (CFO − capex)
-$807000 $23M $47M $0 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $197M $393M 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$541M -$86M $369M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MROEROAFCFTotal debtCash
2025 $58M 16.8% 2.0% $44M $266M $217M
2024 $41M 14.0% 1.6% $47M $231M $180M
2023 $40M 15.2% 1.5% $46M $367M $195M
2022 $38M 16.1% 1.6% $41M $393M $115M
2021 $36M 17.6% 1.8% $31M $50M $245M
2020 $24M 13.6% 1.2% $22M $210M $219M
2019 $24M 14.7% 1.4% $32M $293M $158M
2018 $22M 15.8% 1.4% $37M $220M $146M
2017 $13M 10.9% 0.9% $13M $285M $150M
2016 $13M 12.4% 1.1% -$807000 $131M $106M
2015 $10M 12.2% 0.9% $107M
2014 $6M 9.1% 0.6% $140M
2013 $5M 8.9% 0.6% $122M
2012 $4M 5.5% 0.5% $90M
2011 $3M 3.5% 0.3%

Valuation over time

How the market has priced UNTY against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 6.3 12.6 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
P/E
Dividend yield (%)
0.0 1.0 1.9 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
Dividend yield %

Frequently asked questions

Is UNTY growing its revenue and profit?

See the revenue and net-income charts above for Unity Bancorp Inc /Nj/'s multi-year trend.

How much debt does UNTY have?

As of FY2025, Unity Bancorp Inc /Nj/ reported $266M of total debt against $217M of cash.

What is UNTY's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin —.

What is UNTY's P/E ratio?

As of Sep '26, Unity Bancorp Inc /Nj/ traded at a price-to-earnings ratio of about 10.2× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.