UNTY

Unity Bancorp, Inc.

Financial Services · $549M market cap

Share price

$55.34

close of Oct 3, 2026

Fair value

$111.59

Sticker Price

Payback Price

$44.64

buy price

Undervalued

UNTY is Undervalued: at $55.34 it trades 50% below its fair value of $111.59. Its buy price (Payback Price) is $44.64, 19% below today's price. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth18.0% a year✓

Equity per share growth9.4% a year✗

Sales growth8.1% a year✗

Free cash flow growth12.9% a year✓

Return on invested capital7.8%✗

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Insider activity

Since Jun 12, 2026: no open-market purchases, 2 sales worth $435K and 2 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

Boyan George

President · 2026-09-03

Sold

$385K

Boyan George

President · 2026-09-02

Sold

$50K

Other filings

Davies James R

Chief Financial Officer/FSVP · 2026-08-16

Tax withholding

$6K

Sharabba Daniel C

Chief Retail Officer/SVP · 2026-06-12

Tax withholding

$5K

About Unity Bancorp, Inc.

As the parent entity of Unity Bank, Unity Bancorp, Inc. delivers a comprehensive range of commercial and retail banking solutions, catering to individual consumers, small and mid-sized enterprises, and professional organizations. Its product portfolio encompasses various deposit accounts, such as personal and business checking, certificates of deposit (time deposits), money market accounts, and traditional savings…

Banks - Regional