Financhill
Buy
72

UNTY Quote, Financials, Valuation and Earnings

Last price:
$44.04
Seasonality move :
2.84%
Day range:
$42.80 - $44.70
52-week range:
$25.60 - $51.22
Dividend yield:
1.24%
P/E ratio:
10.07x
P/S ratio:
3.97x
P/B ratio:
1.41x
Volume:
54.3K
Avg. volume:
34K
1-year change:
58.3%
Market cap:
$432.3M
Revenue:
$105.9M
EPS (TTM):
$4.26

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
UNTY
Unity Bancorp
$28.8M $1.13 20.68% 26.52% $51.67
BHB
Bar Harbor Bankshares
$34.2M $0.68 -7.06% 2.99% $32.50
EVBN
Evans Bancorp
$18M $0.58 13.12% 24.53% $45.50
NIC
Nicolet Bankshares
$69.9M $1.93 -14.2% 13.54% $124.00
PRK
Park National
$130.4M $2.15 6.51% -2.07% $169.00
TMP
Tompkins Financial
$79.4M $1.31 11.62% 22.73% $72.50
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
UNTY
Unity Bancorp
$42.90 $51.67 $432.3M 10.07x $0.14 1.24% 3.97x
BHB
Bar Harbor Bankshares
$29.53 $32.50 $451.6M 10.36x $0.30 4.06% 3.01x
EVBN
Evans Bancorp
$39.53 $45.50 $220.1M 18.39x $0.66 3.34% 3.16x
NIC
Nicolet Bankshares
$119.88 $124.00 $1.8B 14.46x $0.28 0.93% 5.22x
PRK
Park National
$157.64 $169.00 $2.6B 16.18x $1.07 2.7% 4.85x
TMP
Tompkins Financial
$61.41 $72.50 $882.4M 11.95x $0.62 4.01% 2.88x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
UNTY
Unity Bancorp
45.31% 1.818 61.84% 146.73x
BHB
Bar Harbor Bankshares
33.99% 1.593 53.34% 2.37x
EVBN
Evans Bancorp
37.8% 1.423 46.16% 31.68x
NIC
Nicolet Bankshares
11.69% 1.039 9.48% --
PRK
Park National
17.47% 1.454 11.05% 14.28x
TMP
Tompkins Financial
39.95% 1.859 54.51% 8.50x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
UNTY
Unity Bancorp
-- -- 7.81% 15.24% 98.71% $22.7M
BHB
Bar Harbor Bankshares
-- -- 6.14% 9.66% 83.74% $12.4M
EVBN
Evans Bancorp
-- -- 3.58% 6.65% 86.87% -$4M
NIC
Nicolet Bankshares
-- -- 9.97% 11.38% 91.33% $41.3M
PRK
Park National
-- -- 10.62% 12.97% 60.73% $36.8M
TMP
Tompkins Financial
-- -- 5.55% 10.46% 71.73% $20.9M

Unity Bancorp vs. Competitors

  • Which has Higher Returns UNTY or BHB?

    Bar Harbor Bankshares has a net margin of 39.51% compared to Unity Bancorp's net margin of 27.38%. Unity Bancorp's return on equity of 15.24% beat Bar Harbor Bankshares's return on equity of 9.66%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNTY
    Unity Bancorp
    -- $1.13 $559.7M
    BHB
    Bar Harbor Bankshares
    -- $0.66 $707.9M
  • What do Analysts Say About UNTY or BHB?

    Unity Bancorp has a consensus price target of $51.67, signalling upside risk potential of 20.44%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $32.50 which suggests that it could grow by 10.06%. Given that Unity Bancorp has higher upside potential than Bar Harbor Bankshares, analysts believe Unity Bancorp is more attractive than Bar Harbor Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    UNTY
    Unity Bancorp
    1 0 0
    BHB
    Bar Harbor Bankshares
    0 2 0
  • Is UNTY or BHB More Risky?

    Unity Bancorp has a beta of 0.695, which suggesting that the stock is 30.507% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.687, suggesting its less volatile than the S&P 500 by 31.289%.

  • Which is a Better Dividend Stock UNTY or BHB?

    Unity Bancorp has a quarterly dividend of $0.14 per share corresponding to a yield of 1.24%. Bar Harbor Bankshares offers a yield of 4.06% to investors and pays a quarterly dividend of $0.30 per share. Unity Bancorp pays 12.11% of its earnings as a dividend. Bar Harbor Bankshares pays out 40.85% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNTY or BHB?

    Unity Bancorp quarterly revenues are $29.4M, which are smaller than Bar Harbor Bankshares quarterly revenues of $37.3M. Unity Bancorp's net income of $11.6M is higher than Bar Harbor Bankshares's net income of $10.2M. Notably, Unity Bancorp's price-to-earnings ratio is 10.07x while Bar Harbor Bankshares's PE ratio is 10.36x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Unity Bancorp is 3.97x versus 3.01x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNTY
    Unity Bancorp
    3.97x 10.07x $29.4M $11.6M
    BHB
    Bar Harbor Bankshares
    3.01x 10.36x $37.3M $10.2M
  • Which has Higher Returns UNTY or EVBN?

    Evans Bancorp has a net margin of 39.51% compared to Unity Bancorp's net margin of 20.42%. Unity Bancorp's return on equity of 15.24% beat Evans Bancorp's return on equity of 6.65%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNTY
    Unity Bancorp
    -- $1.13 $559.7M
    EVBN
    Evans Bancorp
    -- $0.67 $294.4M
  • What do Analysts Say About UNTY or EVBN?

    Unity Bancorp has a consensus price target of $51.67, signalling upside risk potential of 20.44%. On the other hand Evans Bancorp has an analysts' consensus of $45.50 which suggests that it could grow by 15.1%. Given that Unity Bancorp has higher upside potential than Evans Bancorp, analysts believe Unity Bancorp is more attractive than Evans Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    UNTY
    Unity Bancorp
    1 0 0
    EVBN
    Evans Bancorp
    0 1 0
  • Is UNTY or EVBN More Risky?

    Unity Bancorp has a beta of 0.695, which suggesting that the stock is 30.507% less volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.708, suggesting its less volatile than the S&P 500 by 29.224%.

  • Which is a Better Dividend Stock UNTY or EVBN?

    Unity Bancorp has a quarterly dividend of $0.14 per share corresponding to a yield of 1.24%. Evans Bancorp offers a yield of 3.34% to investors and pays a quarterly dividend of $0.66 per share. Unity Bancorp pays 12.11% of its earnings as a dividend. Evans Bancorp pays out 60.97% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNTY or EVBN?

    Unity Bancorp quarterly revenues are $29.4M, which are larger than Evans Bancorp quarterly revenues of $18.3M. Unity Bancorp's net income of $11.6M is higher than Evans Bancorp's net income of $3.7M. Notably, Unity Bancorp's price-to-earnings ratio is 10.07x while Evans Bancorp's PE ratio is 18.39x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Unity Bancorp is 3.97x versus 3.16x for Evans Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNTY
    Unity Bancorp
    3.97x 10.07x $29.4M $11.6M
    EVBN
    Evans Bancorp
    3.16x 18.39x $18.3M $3.7M
  • Which has Higher Returns UNTY or NIC?

    Nicolet Bankshares has a net margin of 39.51% compared to Unity Bancorp's net margin of 36.45%. Unity Bancorp's return on equity of 15.24% beat Nicolet Bankshares's return on equity of 11.38%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNTY
    Unity Bancorp
    -- $1.13 $559.7M
    NIC
    Nicolet Bankshares
    -- $2.08 $1.3B
  • What do Analysts Say About UNTY or NIC?

    Unity Bancorp has a consensus price target of $51.67, signalling upside risk potential of 20.44%. On the other hand Nicolet Bankshares has an analysts' consensus of $124.00 which suggests that it could grow by 3.44%. Given that Unity Bancorp has higher upside potential than Nicolet Bankshares, analysts believe Unity Bancorp is more attractive than Nicolet Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    UNTY
    Unity Bancorp
    1 0 0
    NIC
    Nicolet Bankshares
    1 3 0
  • Is UNTY or NIC More Risky?

    Unity Bancorp has a beta of 0.695, which suggesting that the stock is 30.507% less volatile than S&P 500. In comparison Nicolet Bankshares has a beta of 0.759, suggesting its less volatile than the S&P 500 by 24.063%.

  • Which is a Better Dividend Stock UNTY or NIC?

    Unity Bancorp has a quarterly dividend of $0.14 per share corresponding to a yield of 1.24%. Nicolet Bankshares offers a yield of 0.93% to investors and pays a quarterly dividend of $0.28 per share. Unity Bancorp pays 12.11% of its earnings as a dividend. Nicolet Bankshares pays out 13.34% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNTY or NIC?

    Unity Bancorp quarterly revenues are $29.4M, which are smaller than Nicolet Bankshares quarterly revenues of $89.4M. Unity Bancorp's net income of $11.6M is lower than Nicolet Bankshares's net income of $32.6M. Notably, Unity Bancorp's price-to-earnings ratio is 10.07x while Nicolet Bankshares's PE ratio is 14.46x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Unity Bancorp is 3.97x versus 5.22x for Nicolet Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNTY
    Unity Bancorp
    3.97x 10.07x $29.4M $11.6M
    NIC
    Nicolet Bankshares
    5.22x 14.46x $89.4M $32.6M
  • Which has Higher Returns UNTY or PRK?

    Park National has a net margin of 39.51% compared to Unity Bancorp's net margin of 32.4%. Unity Bancorp's return on equity of 15.24% beat Park National's return on equity of 12.97%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNTY
    Unity Bancorp
    -- $1.13 $559.7M
    PRK
    Park National
    -- $2.60 $1.5B
  • What do Analysts Say About UNTY or PRK?

    Unity Bancorp has a consensus price target of $51.67, signalling upside risk potential of 20.44%. On the other hand Park National has an analysts' consensus of $169.00 which suggests that it could grow by 7.21%. Given that Unity Bancorp has higher upside potential than Park National, analysts believe Unity Bancorp is more attractive than Park National.

    Company Buy Ratings Hold Ratings Sell Ratings
    UNTY
    Unity Bancorp
    1 0 0
    PRK
    Park National
    0 3 0
  • Is UNTY or PRK More Risky?

    Unity Bancorp has a beta of 0.695, which suggesting that the stock is 30.507% less volatile than S&P 500. In comparison Park National has a beta of 0.786, suggesting its less volatile than the S&P 500 by 21.434%.

  • Which is a Better Dividend Stock UNTY or PRK?

    Unity Bancorp has a quarterly dividend of $0.14 per share corresponding to a yield of 1.24%. Park National offers a yield of 2.7% to investors and pays a quarterly dividend of $1.07 per share. Unity Bancorp pays 12.11% of its earnings as a dividend. Park National pays out 51.18% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNTY or PRK?

    Unity Bancorp quarterly revenues are $29.4M, which are smaller than Park National quarterly revenues of $130.1M. Unity Bancorp's net income of $11.6M is lower than Park National's net income of $42.2M. Notably, Unity Bancorp's price-to-earnings ratio is 10.07x while Park National's PE ratio is 16.18x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Unity Bancorp is 3.97x versus 4.85x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNTY
    Unity Bancorp
    3.97x 10.07x $29.4M $11.6M
    PRK
    Park National
    4.85x 16.18x $130.1M $42.2M
  • Which has Higher Returns UNTY or TMP?

    Tompkins Financial has a net margin of 39.51% compared to Unity Bancorp's net margin of 24.09%. Unity Bancorp's return on equity of 15.24% beat Tompkins Financial's return on equity of 10.46%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNTY
    Unity Bancorp
    -- $1.13 $559.7M
    TMP
    Tompkins Financial
    -- $1.37 $1.2B
  • What do Analysts Say About UNTY or TMP?

    Unity Bancorp has a consensus price target of $51.67, signalling upside risk potential of 20.44%. On the other hand Tompkins Financial has an analysts' consensus of $72.50 which suggests that it could grow by 18.06%. Given that Unity Bancorp has higher upside potential than Tompkins Financial, analysts believe Unity Bancorp is more attractive than Tompkins Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    UNTY
    Unity Bancorp
    1 0 0
    TMP
    Tompkins Financial
    0 1 0
  • Is UNTY or TMP More Risky?

    Unity Bancorp has a beta of 0.695, which suggesting that the stock is 30.507% less volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.888, suggesting its less volatile than the S&P 500 by 11.218%.

  • Which is a Better Dividend Stock UNTY or TMP?

    Unity Bancorp has a quarterly dividend of $0.14 per share corresponding to a yield of 1.24%. Tompkins Financial offers a yield of 4.01% to investors and pays a quarterly dividend of $0.62 per share. Unity Bancorp pays 12.11% of its earnings as a dividend. Tompkins Financial pays out 49.47% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNTY or TMP?

    Unity Bancorp quarterly revenues are $29.4M, which are smaller than Tompkins Financial quarterly revenues of $81.7M. Unity Bancorp's net income of $11.6M is lower than Tompkins Financial's net income of $19.7M. Notably, Unity Bancorp's price-to-earnings ratio is 10.07x while Tompkins Financial's PE ratio is 11.95x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Unity Bancorp is 3.97x versus 2.88x for Tompkins Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNTY
    Unity Bancorp
    3.97x 10.07x $29.4M $11.6M
    TMP
    Tompkins Financial
    2.88x 11.95x $81.7M $19.7M

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