Financhill
Buy
72

UNTY Quote, Financials, Valuation and Earnings

Last price:
$47.50
Seasonality move :
0.8%
Day range:
$45.20 - $46.89
52-week range:
$26.27 - $51.22
Dividend yield:
1.15%
P/E ratio:
10.98x
P/S ratio:
4.33x
P/B ratio:
1.53x
Volume:
82.2K
Avg. volume:
54.4K
1-year change:
73.81%
Market cap:
$469.4M
Revenue:
$105.9M
EPS (TTM):
$4.26

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
UNTY
Unity Bancorp
$28.8M $1.13 20.68% 26.52% $52.67
BHB
Bar Harbor Bankshares
$34.2M $0.68 -7.06% 2.99% $32.50
NIC
Nicolet Bankshares
$69.9M $1.93 -14.2% 11.85% $124.90
OPHC
OptimumBank Holdings
-- -- -- -- $5.00
PRK
Park National
$130.4M $2.15 6.51% 1.1% $172.67
TMP
Tompkins Financial
$79.4M $1.31 11.62% 22.73% $72.50
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
UNTY
Unity Bancorp
$46.79 $52.67 $469.4M 10.98x $0.14 1.15% 4.33x
BHB
Bar Harbor Bankshares
$30.04 $32.50 $460.3M 10.54x $0.32 4.06% 3.06x
NIC
Nicolet Bankshares
$124.85 $124.90 $1.9B 15.06x $0.32 0.93% 5.44x
OPHC
OptimumBank Holdings
$4.45 $5.00 $52.3M 3.35x $0.00 0% 1.19x
PRK
Park National
$167.95 $172.67 $2.7B 17.24x $1.07 2.54% 5.16x
TMP
Tompkins Financial
$63.62 $72.50 $918.3M 12.38x $0.62 3.88% 2.98x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
UNTY
Unity Bancorp
45.31% 1.759 61.84% 146.73x
BHB
Bar Harbor Bankshares
33.99% 1.218 53.25% 2.04x
NIC
Nicolet Bankshares
11.69% 0.946 9.48% --
OPHC
OptimumBank Holdings
8.47% 0.231 20.71% 14.67x
PRK
Park National
17.47% 1.505 11.05% 14.28x
TMP
Tompkins Financial
39.95% 1.577 54.51% 8.50x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
UNTY
Unity Bancorp
-- -- 7.81% 15.24% 98.71% $17.6M
BHB
Bar Harbor Bankshares
-- -- 6.14% 9.66% 83.74% $7.8M
NIC
Nicolet Bankshares
-- -- 9.97% 11.38% 91.33% $41.3M
OPHC
OptimumBank Holdings
-- -- 11.09% 15.42% 101.13% $2.9M
PRK
Park National
-- -- 10.62% 12.97% 60.73% $36.8M
TMP
Tompkins Financial
-- -- 5.55% 10.46% 71.73% $20.9M

Unity Bancorp vs. Competitors

  • Which has Higher Returns UNTY or BHB?

    Bar Harbor Bankshares has a net margin of 39.51% compared to Unity Bancorp's net margin of 27.38%. Unity Bancorp's return on equity of 15.24% beat Bar Harbor Bankshares's return on equity of 9.66%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNTY
    Unity Bancorp
    -- $1.13 $559.7M
    BHB
    Bar Harbor Bankshares
    -- $0.66 $707.9M
  • What do Analysts Say About UNTY or BHB?

    Unity Bancorp has a consensus price target of $52.67, signalling upside risk potential of 12.56%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $32.50 which suggests that it could grow by 8.19%. Given that Unity Bancorp has higher upside potential than Bar Harbor Bankshares, analysts believe Unity Bancorp is more attractive than Bar Harbor Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    UNTY
    Unity Bancorp
    1 0 0
    BHB
    Bar Harbor Bankshares
    0 2 0
  • Is UNTY or BHB More Risky?

    Unity Bancorp has a beta of 0.712, which suggesting that the stock is 28.781% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.652, suggesting its less volatile than the S&P 500 by 34.764%.

  • Which is a Better Dividend Stock UNTY or BHB?

    Unity Bancorp has a quarterly dividend of $0.14 per share corresponding to a yield of 1.15%. Bar Harbor Bankshares offers a yield of 4.06% to investors and pays a quarterly dividend of $0.32 per share. Unity Bancorp pays 12.11% of its earnings as a dividend. Bar Harbor Bankshares pays out 40.85% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNTY or BHB?

    Unity Bancorp quarterly revenues are $29.4M, which are smaller than Bar Harbor Bankshares quarterly revenues of $37.3M. Unity Bancorp's net income of $11.6M is higher than Bar Harbor Bankshares's net income of $10.2M. Notably, Unity Bancorp's price-to-earnings ratio is 10.98x while Bar Harbor Bankshares's PE ratio is 10.54x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Unity Bancorp is 4.33x versus 3.06x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNTY
    Unity Bancorp
    4.33x 10.98x $29.4M $11.6M
    BHB
    Bar Harbor Bankshares
    3.06x 10.54x $37.3M $10.2M
  • Which has Higher Returns UNTY or NIC?

    Nicolet Bankshares has a net margin of 39.51% compared to Unity Bancorp's net margin of 36.45%. Unity Bancorp's return on equity of 15.24% beat Nicolet Bankshares's return on equity of 11.38%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNTY
    Unity Bancorp
    -- $1.13 $559.7M
    NIC
    Nicolet Bankshares
    -- $2.08 $1.3B
  • What do Analysts Say About UNTY or NIC?

    Unity Bancorp has a consensus price target of $52.67, signalling upside risk potential of 12.56%. On the other hand Nicolet Bankshares has an analysts' consensus of $124.90 which suggests that it could grow by 0.04%. Given that Unity Bancorp has higher upside potential than Nicolet Bankshares, analysts believe Unity Bancorp is more attractive than Nicolet Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    UNTY
    Unity Bancorp
    1 0 0
    NIC
    Nicolet Bankshares
    1 3 0
  • Is UNTY or NIC More Risky?

    Unity Bancorp has a beta of 0.712, which suggesting that the stock is 28.781% less volatile than S&P 500. In comparison Nicolet Bankshares has a beta of 0.765, suggesting its less volatile than the S&P 500 by 23.53%.

  • Which is a Better Dividend Stock UNTY or NIC?

    Unity Bancorp has a quarterly dividend of $0.14 per share corresponding to a yield of 1.15%. Nicolet Bankshares offers a yield of 0.93% to investors and pays a quarterly dividend of $0.32 per share. Unity Bancorp pays 12.11% of its earnings as a dividend. Nicolet Bankshares pays out 13.34% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNTY or NIC?

    Unity Bancorp quarterly revenues are $29.4M, which are smaller than Nicolet Bankshares quarterly revenues of $89.4M. Unity Bancorp's net income of $11.6M is lower than Nicolet Bankshares's net income of $32.6M. Notably, Unity Bancorp's price-to-earnings ratio is 10.98x while Nicolet Bankshares's PE ratio is 15.06x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Unity Bancorp is 4.33x versus 5.44x for Nicolet Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNTY
    Unity Bancorp
    4.33x 10.98x $29.4M $11.6M
    NIC
    Nicolet Bankshares
    5.44x 15.06x $89.4M $32.6M
  • Which has Higher Returns UNTY or OPHC?

    OptimumBank Holdings has a net margin of 39.51% compared to Unity Bancorp's net margin of 36.31%. Unity Bancorp's return on equity of 15.24% beat OptimumBank Holdings's return on equity of 15.42%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNTY
    Unity Bancorp
    -- $1.13 $559.7M
    OPHC
    OptimumBank Holdings
    -- $0.32 $118M
  • What do Analysts Say About UNTY or OPHC?

    Unity Bancorp has a consensus price target of $52.67, signalling upside risk potential of 12.56%. On the other hand OptimumBank Holdings has an analysts' consensus of $5.00 which suggests that it could grow by 12.36%. Given that Unity Bancorp has higher upside potential than OptimumBank Holdings, analysts believe Unity Bancorp is more attractive than OptimumBank Holdings.

    Company Buy Ratings Hold Ratings Sell Ratings
    UNTY
    Unity Bancorp
    1 0 0
    OPHC
    OptimumBank Holdings
    0 1 0
  • Is UNTY or OPHC More Risky?

    Unity Bancorp has a beta of 0.712, which suggesting that the stock is 28.781% less volatile than S&P 500. In comparison OptimumBank Holdings has a beta of 0.492, suggesting its less volatile than the S&P 500 by 50.773%.

  • Which is a Better Dividend Stock UNTY or OPHC?

    Unity Bancorp has a quarterly dividend of $0.14 per share corresponding to a yield of 1.15%. OptimumBank Holdings offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Unity Bancorp pays 12.11% of its earnings as a dividend. OptimumBank Holdings pays out -- of its earnings as a dividend. Unity Bancorp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNTY or OPHC?

    Unity Bancorp quarterly revenues are $29.4M, which are larger than OptimumBank Holdings quarterly revenues of $10.7M. Unity Bancorp's net income of $11.6M is higher than OptimumBank Holdings's net income of $3.9M. Notably, Unity Bancorp's price-to-earnings ratio is 10.98x while OptimumBank Holdings's PE ratio is 3.35x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Unity Bancorp is 4.33x versus 1.19x for OptimumBank Holdings. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNTY
    Unity Bancorp
    4.33x 10.98x $29.4M $11.6M
    OPHC
    OptimumBank Holdings
    1.19x 3.35x $10.7M $3.9M
  • Which has Higher Returns UNTY or PRK?

    Park National has a net margin of 39.51% compared to Unity Bancorp's net margin of 32.4%. Unity Bancorp's return on equity of 15.24% beat Park National's return on equity of 12.97%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNTY
    Unity Bancorp
    -- $1.13 $559.7M
    PRK
    Park National
    -- $2.60 $1.5B
  • What do Analysts Say About UNTY or PRK?

    Unity Bancorp has a consensus price target of $52.67, signalling upside risk potential of 12.56%. On the other hand Park National has an analysts' consensus of $172.67 which suggests that it could grow by 2.81%. Given that Unity Bancorp has higher upside potential than Park National, analysts believe Unity Bancorp is more attractive than Park National.

    Company Buy Ratings Hold Ratings Sell Ratings
    UNTY
    Unity Bancorp
    1 0 0
    PRK
    Park National
    0 3 0
  • Is UNTY or PRK More Risky?

    Unity Bancorp has a beta of 0.712, which suggesting that the stock is 28.781% less volatile than S&P 500. In comparison Park National has a beta of 0.823, suggesting its less volatile than the S&P 500 by 17.656%.

  • Which is a Better Dividend Stock UNTY or PRK?

    Unity Bancorp has a quarterly dividend of $0.14 per share corresponding to a yield of 1.15%. Park National offers a yield of 2.54% to investors and pays a quarterly dividend of $1.07 per share. Unity Bancorp pays 12.11% of its earnings as a dividend. Park National pays out 51.18% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNTY or PRK?

    Unity Bancorp quarterly revenues are $29.4M, which are smaller than Park National quarterly revenues of $130.1M. Unity Bancorp's net income of $11.6M is lower than Park National's net income of $42.2M. Notably, Unity Bancorp's price-to-earnings ratio is 10.98x while Park National's PE ratio is 17.24x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Unity Bancorp is 4.33x versus 5.16x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNTY
    Unity Bancorp
    4.33x 10.98x $29.4M $11.6M
    PRK
    Park National
    5.16x 17.24x $130.1M $42.2M
  • Which has Higher Returns UNTY or TMP?

    Tompkins Financial has a net margin of 39.51% compared to Unity Bancorp's net margin of 24.09%. Unity Bancorp's return on equity of 15.24% beat Tompkins Financial's return on equity of 10.46%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNTY
    Unity Bancorp
    -- $1.13 $559.7M
    TMP
    Tompkins Financial
    -- $1.37 $1.2B
  • What do Analysts Say About UNTY or TMP?

    Unity Bancorp has a consensus price target of $52.67, signalling upside risk potential of 12.56%. On the other hand Tompkins Financial has an analysts' consensus of $72.50 which suggests that it could grow by 13.96%. Given that Tompkins Financial has higher upside potential than Unity Bancorp, analysts believe Tompkins Financial is more attractive than Unity Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    UNTY
    Unity Bancorp
    1 0 0
    TMP
    Tompkins Financial
    0 1 0
  • Is UNTY or TMP More Risky?

    Unity Bancorp has a beta of 0.712, which suggesting that the stock is 28.781% less volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.907, suggesting its less volatile than the S&P 500 by 9.302%.

  • Which is a Better Dividend Stock UNTY or TMP?

    Unity Bancorp has a quarterly dividend of $0.14 per share corresponding to a yield of 1.15%. Tompkins Financial offers a yield of 3.88% to investors and pays a quarterly dividend of $0.62 per share. Unity Bancorp pays 12.11% of its earnings as a dividend. Tompkins Financial pays out 49.47% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNTY or TMP?

    Unity Bancorp quarterly revenues are $29.4M, which are smaller than Tompkins Financial quarterly revenues of $81.7M. Unity Bancorp's net income of $11.6M is lower than Tompkins Financial's net income of $19.7M. Notably, Unity Bancorp's price-to-earnings ratio is 10.98x while Tompkins Financial's PE ratio is 12.38x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Unity Bancorp is 4.33x versus 2.98x for Tompkins Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNTY
    Unity Bancorp
    4.33x 10.98x $29.4M $11.6M
    TMP
    Tompkins Financial
    2.98x 12.38x $81.7M $19.7M

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