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Stocks · Financials · State Commercial Banks

UNITY BANCORP INC /NJ/

UNTY Clue Score53
United States Fiscal year ends December CIK 0000920427
$54.33 -1.67% Close, 9 Oct 2026
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Price $54.33 +126.38% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income13.2EPS, diluted1.38Fiscal year 2017Net income12.9 −2.4%EPS, diluted1.20 −13.0%Fiscal year 2018Net income21.9 +70.0%EPS, diluted2.01 +67.5%Fiscal year 2019Net income23.7 +7.9%EPS, diluted2.14 +6.5%Fiscal year 2020Net income23.6 −0.0%EPS, diluted2.19 +2.3%Fiscal year 2021Net income36.1 +52.8%EPS, diluted3.43 +56.6%Fiscal year 2022Net income38.5 +6.5%EPS, diluted3.59 +4.7%Fiscal year 2023Net income39.7 +3.3%EPS, diluted3.84 +7.0%Fiscal year 2024Net income41.5 +4.4%EPS, diluted4.06 +5.7%Fiscal year 2025Net income58.0 +39.8%EPS, diluted5.67 +39.7%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 13.2 12.9 21.9 23.7 23.6 36.1 38.5 39.7 41.5 58.0
Growth −2.4% +70.0% +7.9% −0.0% +52.8% +6.5% +3.3% +4.4% +39.8%
EPS, diluted 1.38 1.20 2.01 2.14 2.19 3.43 3.59 3.84 4.06 5.67
Growth −13.0% +67.5% +6.5% +2.3% +56.6% +4.7% +7.0% +5.7% +39.7%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow8.8Capital expenditure−9.6Free cash flow−0.8Dividends paid−1.5Fiscal year 2017Operating cash flow14.4Capital expenditure−1.5Free cash flow12.9Dividends paid−2.4Fiscal year 2018Operating cash flow38.6Capital expenditure−1.5Free cash flow37.1 +186.6%Dividends paid−2.8Fiscal year 2019Operating cash flow33.2Capital expenditure−0.7Free cash flow32.5 −12.4%Dividends paid−3.3Fiscal year 2020Operating cash flow22.3Capital expenditure−0.6Free cash flow21.8 −33.0%Buybacks−7.4Dividends paid−3.3Fiscal year 2021Operating cash flow32.5Capital expenditure−1.2Free cash flow31.3 +43.7%Buybacks−4.2Dividends paid−3.6Fiscal year 2022Operating cash flow42.7Capital expenditure−1.5Free cash flow41.2 +31.7%Buybacks−0.0Dividends paid−4.4Fiscal year 2023Operating cash flow46.9Capital expenditure−1.0Free cash flow46.0 +11.6%Buybacks−15.7Dividends paid−4.7Fiscal year 2024Operating cash flow48.0Capital expenditure−0.7Free cash flow47.3 +2.9%Buybacks−6.2Dividends paid−5.0Fiscal year 2025Operating cash flow44.9Capital expenditure−0.6Free cash flow44.3 −6.2%Buybacks−5.0Dividends paid−5.6
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 8.8 14.4 38.6 33.2 22.3 32.5 42.7 46.9 48.0 44.9
Capital expenditure −9.6 −1.5 −1.5 −0.7 −0.6 −1.2 −1.5 −1.0 −0.7 −0.6
Free cash flow −0.8 12.9 37.1 32.5 21.8 31.3 41.2 46.0 47.3 44.3
Growth +186.6% −12.4% −33.0% +43.7% +31.7% +11.6% +2.9% −6.2%
Buybacks n/a n/a n/a n/a −7.4 −4.2 −0.0 −15.7 −6.2 −5.0
Dividends paid −1.5 −2.4 −2.8 −3.3 −3.3 −3.6 −4.4 −4.7 −5.0 −5.6

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash105.9Total debt131.3Net cash (debt)−25.4Shareholders’ equity106.3Debt to equity1.24Fiscal year 2017Cash150.3Total debt285.3Net cash (debt)−135.1Shareholders’ equity118.1Debt to equity2.42Fiscal year 2018Cash145.5Total debt220.3Net cash (debt)−74.8Shareholders’ equity138.5Debt to equity1.59Fiscal year 2019Cash158.0Total debt293.3Net cash (debt)−135.3Shareholders’ equity160.7Debt to equity1.83Fiscal year 2020Cash219.3Total debt210.3Net cash (debt)9.0Shareholders’ equity173.9Debt to equity1.21Fiscal year 2021Cash244.8Total debt50.3Net cash (debt)194.5Shareholders’ equity205.7Debt to equity0.24Fiscal year 2022Cash114.8Total debt393.3Net cash (debt)−278.5Shareholders’ equity239.2Debt to equity1.64Fiscal year 2023Cash194.8Total debt366.7Net cash (debt)−172.0Shareholders’ equity261.4Debt to equity1.40Fiscal year 2024Cash180.4Total debt230.8Net cash (debt)−50.4Shareholders’ equity295.6Debt to equity0.78Fiscal year 2025Cash216.5Shareholders’ equity345.6
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 105.9 150.3 145.5 158.0 219.3 244.8 114.8 194.8 180.4 216.5
Total debt 131.3 285.3 220.3 293.3 210.3 50.3 393.3 366.7 230.8 n/a
Net cash (debt) −25.4 −135.1 −74.8 −135.3 9.0 194.5 −278.5 −172.0 −50.4 n/a
Shareholders’ equity 106.3 118.1 138.5 160.7 173.9 205.7 239.2 261.4 295.6 345.6
Debt to equity 1.24 2.42 1.59 1.83 1.21 0.24 1.64 1.40 0.78 n/a

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
35.5% 42.5% 19.7% 22.0% 24.0% 25.0% 25.2% 25.1% 23.8% 23.3%
Returns
12.4% 10.9% 15.8% 14.7% 13.6% 17.6% 16.1% 15.2% 14.0% 16.8%
1.1% 0.9% 1.4% 1.4% 1.2% 1.8% 1.6% 1.5% 1.6% 2.0%
Balance and payout
1.24 2.42 1.59 1.83 1.21 0.24 1.64 1.40 0.78 n/a
91.1% 91.9% 91.2% 90.7% 91.1% 89.9% 90.2% 89.9% 88.9% 88.3%
11.5% 18.5% 12.8% 13.8% 13.9% 10.0% 11.4% 11.9% 12.1% 9.7%
n/a 18.4% 7.6% 10.0% 49.3% 25.0% 10.7% 44.4% 23.7% 24.0%