Unity Bancorp, Inc. (UNTY): Price and Financial Metrics

UNTY POWR Grades

• Sentiment is the dimension where UNTY ranks best; there it ranks ahead of 99.2% of US stocks.
• The strongest trend for UNTY is in Momentum, which has been heading down over the past 41 days.
• UNTY ranks lowest in Growth; there it ranks in the 37th percentile.

UNTY Stock Summary

• UNTY's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 92.09% of US stocks.
• With a year-over-year growth in debt of -76.08%, Unity Bancorp Inc's debt growth rate surpasses only 3.5% of about US stocks.
• Shareholder yield, a measure of how much is returned to shareholders via dividends and share repurchases, for UNTY comes in at 56.03% -- higher than that of 97.33% of stocks in our set.
• Stocks with similar financial metrics, market capitalization, and price volatility to Unity Bancorp Inc are FORR, MMI, JRSH, PCYG, and SMP.
• Visit UNTY's SEC page to see the company's official filings. To visit the company's web site, go to www.unitybank.com.

UNTY Valuation Summary

• In comparison to the median Financial Services stock, UNTY's price/earnings ratio is 26.36% lower, now standing at 8.1.
• UNTY's price/earnings ratio has moved up 12.9 over the prior 243 months.
• UNTY's EV/EBIT ratio has moved up 10.6 over the prior 243 months.

Below are key valuation metrics over time for UNTY.

UNTY Growth Metrics

Its 4 year revenue growth rate is now at 46.31%.
• The year over year revenue growth rate now stands at 14.86%.
• Its 2 year cash and equivalents growth rate is now at 53.93%.

Over the past 70 months, UNTY's revenue has gone up $44,084,000.

The table below shows UNTY's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2021-12-31	88.912	23.454	36.119
2021-09-30	85.71	21.106	33.718
2021-06-30	80.841	34.031	30.019
2021-03-31	75.333	33.91	26.772
2020-12-31	70.381	33.745	23.644
2020-09-30	66.45	40.989	22.419

UNTY's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• UNTY has a Quality Grade of C, ranking ahead of 53.98% of graded US stocks.
• UNTY's asset turnover comes in at 0.041 -- ranking 164th of 435 Banking stocks.
• SFST, SASR, and MRLN are the stocks whose asset turnover ratios are most correlated with UNTY.

The table below shows UNTY's key quality metrics over time.