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
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
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%
—
—
—
Net income
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
Jun '26
—
$14M
—
—
3.9%
0.5%
-$39M
—
$250M
Mar '26
—
$14M
—
—
4.0%
0.5%
$14M
—
$229M
Dec '25
—
$15M
—
—
4.5%
0.5%
$7M
$266M
$217M
Sep '25
—
$14M
—
—
4.3%
0.5%
$45M
—
$203M
Jun '25
—
$16M
—
—
5.2%
0.6%
-$25M
—
$294M
Mar '25
—
$12M
—
—
3.8%
0.4%
$18M
—
$212M
Dec '24
—
$12M
—
—
3.9%
0.4%
$23M
$231M
$180M
Sep '24
—
$11M
—
—
3.8%
0.4%
$18M
—
$195M
Jun '24
—
$9M
—
—
3.5%
0.4%
-$9M
—
$197M
Mar '24
—
$10M
—
—
3.6%
0.4%
$16M
—
$183M
Dec '23
—
$10M
—
—
3.7%
0.4%
$25M
$367M
$195M
Sep '23
—
$10M
—
—
3.9%
0.4%
$13M
—
$161M
Jun '23
—
$10M
—
—
4.0%
0.4%
-$5M
—
$151M
Mar '23
—
$10M
—
—
4.3%
0.4%
$14M
—
$127M
Dec '22
—
$10M
—
—
4.2%
0.4%
$32M
$393M
$115M
Sep '22
—
$10M
—
—
4.3%
0.4%
-$2M
—
$163M
Jun '22
—
$9M
—
—
4.3%
0.4%
-$8M
—
$109M
Mar '22
—
$9M
—
—
4.2%
0.4%
$20M
—
$188M
Dec '21
—
$10M
—
—
4.7%
0.5%
$12M
$50M
$245M
Sep '21
—
$9M
—
—
4.8%
0.5%
-$235000
—
$216M
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.
The price-to-earnings ratio has risen from 6.0× (Mar '23) to 10.2× (Sep '26).
The dividend yield has fallen from 1.9% (Mar '23) to 0.9% (Sep '26).
Price / earnings (P/E)
P/E
Dividend yield (%)
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.