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

UNTY POWR Grades

• Stability is the dimension where UNTY ranks best; there it ranks ahead of 98.01% of US stocks.
• The strongest trend for UNTY is in Growth, which has been heading up over the past 179 days.
• UNTY's current lowest rank is in the Quality metric (where it is better than 31.9% of US stocks).

UNTY Stock Summary

• Price to trailing twelve month operating cash flow for UNTY is currently 189.4, higher than 98.11% of US stocks with positive operating cash flow.
• With a year-over-year growth in debt of 312.9%, UNITY BANCORP INC's debt growth rate surpasses 94.93% of about US stocks.
• The volatility of UNITY BANCORP INC's share price is greater than that of just 0.86% US stocks with at least 200 days of trading history.
• If you're looking for stocks that are quantitatively similar to UNITY BANCORP INC, a group of peers worth examining would be FBIZ, ESSA, TCBI, FFNW, and INBK.
• 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

• UNTY's price/earnings ratio is 7.8; this is 32.76% lower than that of the median Financial Services stock.
• Over the past 243 months, UNTY's price/sales ratio has gone up 1.

Below are key valuation metrics over time for UNTY.

UNTY Growth Metrics

Its 5 year net cashflow from operations growth rate is now at 280.91%.
• Its 4 year net cashflow from operations growth rate is now at 280.91%.
• Its 4 year cash and equivalents growth rate is now at 69.03%.

Over the past 67 months, UNTY's revenue has gone up $43,865,000.

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
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
2021-03-31	75.333	33.91	26.772

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.