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

UNTY POWR Grades

• UNTY scores best on the Sentiment dimension, with a Sentiment rank ahead of 95.04% of US stocks.
• The strongest trend for UNTY is in Quality, which has been heading down over the past 177 days.
• UNTY ranks lowest in Quality; there it ranks in the 18th percentile.

UNTY Stock Summary

• With a year-over-year growth in debt of 681.77%, UNITY BANCORP INC's debt growth rate surpasses 97.44% of about US stocks.
• The volatility of UNITY BANCORP INC's share price is greater than that of just 3.64% US stocks with at least 200 days of trading history.
• Shareholder yield, a measure of how much is returned to shareholders via dividends and share repurchases, for UNTY comes in at -139.98% -- higher than that of only 4.34% of stocks in our set.
• Stocks that are quantitatively similar to UNTY, based on their financial statements, market capitalization, and price volatility, are CS, WASH, DCOM, HMST, and RBB.
• 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

• UNTY's EV/EBIT ratio is 10.3; this is 5.5% lower than that of the median Financial Services stock.
• UNTY's price/sales ratio has moved up 0.5 over the prior 243 months.

Below are key valuation metrics over time for UNTY.

UNTY Growth Metrics

Its 3 year net income to common stockholders growth rate is now at 63.77%.
• Its 3 year revenue growth rate is now at 45.6%.
• The 4 year cash and equivalents growth rate now stands at 73.44%.

UNTY's revenue has moved up $11,920,000 over the prior 15 months.

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
2022-09-30	92.761	1.569	38.247
2022-06-30	91.962	15.579	37.764
2022-03-31	89.988	19.438	36.731
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

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.