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

UNTY POWR Grades

• UNTY scores best on the Sentiment dimension, with a Sentiment rank ahead of 98.64% of US stocks.
• The strongest trend for UNTY is in Growth, which has been heading down over the past 177 days.
• UNTY's current lowest rank is in the Quality metric (where it is better than 30.9% of US stocks).

UNTY Stock Summary

• UNTY's current price/earnings ratio is 6.35, which is higher than merely 11.14% of US stocks with positive earnings.
• The ratio of debt to operating expenses for UNITY BANCORP INC is higher than it is for about 90.04% of US stocks.
• UNTY's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 90.28% of US stocks.
• Stocks with similar financial metrics, market capitalization, and price volatility to UNITY BANCORP INC are FMAO, FFNW, FUNC, QCRH, and GSBC.
• UNTY's SEC filings can be seen here. And to visit UNITY BANCORP INC's official web site, go to www.unitybank.com.

UNTY Valuation Summary

• In comparison to the median Financial Services stock, UNTY's price/earnings ratio is 33.68% lower, now standing at 6.3.
• Over the past 243 months, UNTY's price/sales ratio has gone down 0.2.

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.