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UNTY · Nasdaq · United States · State Commercial Banks
In shortUNITY BANCORP INC /NJ/ is profitable.
Financial health
Strong
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | – | n/a |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 18.1% | 90/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | – | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 0.77× | n/a |
| Years with positive free cash flow (last 5) | 5 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | – | n/a |
| Revenue growth volatility | – | n/a |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | – | n/a |
|---|---|---|
| EPS growth, 3-year average | 16.5% | 100/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
No data reported.
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Interest expense | 7.7 | 11 | 48 | – | – |
| Pre-tax income | 48 | 51 | 53 | 54 | 76 |
| Income tax | 12 | 13 | 13 | 13 | 18 |
| Net income | 36 | 38 | 40 | 41 | 58 |
| Diluted EPS | $3.43 | $3.59 | $3.84 | $4.06 | $5.67 |
| Diluted shares (millions) | 11 | 11 | 10 | 10 | 10 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of UNITY BANCORP INC /NJ/ are included in the Investor plan. Try free for 7 days →
Not computed: the model does not apply to banks and insurers.
Not computed: it needs two consecutive complete years.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 6, 2026