Unity Bancorp Inc (UNTY) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Unity Bancorp Inc stock (UNTY) is currently trading at $51.02. Unity Bancorp Inc PE ratio is 8.94. Unity Bancorp Inc PS ratio (Price-to-Sales) is 3.98. Analyst consensus price target for UNTY is $65.00. WallStSmart rates UNTY as Buy.
- UNTY PE ratio analysis and historical PE chart
- UNTY PS ratio (Price-to-Sales) history and trend
- UNTY intrinsic value — DCF, Graham Number, EPV models
- UNTY stock price prediction 2025 2026 2027 2028 2029 2030
- UNTY fair value vs current price
- UNTY insider transactions and insider buying
- Is UNTY undervalued or overvalued?
- Unity Bancorp Inc financial analysis — revenue, earnings, cash flow
- UNTY Piotroski F-Score and Altman Z-Score
- UNTY analyst price target and Smart Rating
Unity Bancorp Inc
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UNTY Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Unity Bancorp Inc (UNTY)
UNTY trades at a significant discount to its Graham intrinsic value of $265.36, offering a 80% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Unity Bancorp Inc (UNTY) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Unity Bancorp Inc (UNTY) Key Strengths (8)
Growing significantly faster than its price suggests
Keeps $61 of every $100 in revenue after operating costs
Earnings per share surging 35.50% year-over-year
Keeps $45 of every $100 in revenue as net profit
Trading at 1.47x book value, attractively priced
Strong revenue growth at 21.80% annually
51.54% held by institutions, strong professional interest
Solid profitability: $18 profit per $100 equity
Supporting Valuation Data
Unity Bancorp Inc (UNTY) Areas to Watch (2)
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.98x sales
Unity Bancorp Inc (UNTY) Detailed Analysis Report
Overall Assessment
This company scores 82/100 in our Smart Analysis, earning a A- grade. Out of 10 metrics analyzed, 8 register as strengths (avg 8.9/10) while 2 fall into concern territory (avg 5.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Operating Margin, EPS Growth. Valuation metrics including PEG Ratio (0.99), Price/Book (1.47) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 18.10%, Operating Margin at 60.60%, Profit Margin at 45.30%. Growth metrics are encouraging with Revenue Growth at 21.80%, EPS Growth at 35.50%.
The Bear Case
The primary concerns are Market Cap, Price/Sales. Some valuation metrics including Price/Sales (3.98) suggest expensive pricing.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 18.10% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 21.80% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Operating Margin makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current A- grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
UNTY Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
UNTY's Price-to-Sales ratio of 3.98x sits near its historical average of 4.01x (43th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 5% below its historical high of 4.18x set in Mar 2026, and 3% above its historical low of 3.88x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Unity Bancorp Inc (UNTY) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Unity Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 128M with 22% growth year-over-year. Profit margins are strong at 45.3%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1810.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 45.3% and operating margin of 60.6% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can Unity Bancorp Inc maintain 22%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Unity Bancorp Inc.
Bottom Line
Unity Bancorp Inc offers an attractive blend of growth (22% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Unity Bancorp Inc(UNTY)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Unity Bancorp, Inc. is the holding company of Unity Bank providing commercial and retail banking products and services to individuals, small and medium-sized businesses and professional communities. The company is headquartered in Clinton, New Jersey.