Unity Bancorp Inc (UNTY) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Unity Bancorp reported revenue of $131.8M, up 23.1% from $107.1M the year before. Net income was $58.0M (a 44.0% net margin), or $5.67 per diluted share. Net interest income was $117.0M, and the efficiency ratio (noninterest expense / revenue) was 39.7%. Operating activities generated $44.9M of cash, leaving $44.3M of free cash flow. At fiscal year end, Unity Bancorp held $2.97B in total assets against $2.62B in total liabilities.
Open the full interactive Unity Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Unity Bancorp Key Stats
| Share Price | $55.39 |
|---|---|
| Market Cap | $566.1M |
| P/E Ratio | 9.8 |
| Revenue YoY Growth | +23.1% |
| 52-Week Range | $44.64 – $61.64 |
| Shares Outstanding | 10.0 million (basic, 2026 Q2) |
Unity Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $64.4M | $77.0M | $90.1M | $95.0M | $98.6M | $117.0M |
| Provision for Credit Losses | $7.0M | $181,000 | $4.2M | $3.2M | $3.9M | $3.9M |
| Noninterest Income | $12.9M | $12.1M | $8.0M | $8.1M | $8.5M | $14.8M |
| Noninterest Expense | $39.3M | $40.8M | $42.6M | $47.0M | $48.7M | $52.4M |
| Revenue | $77.4M | $89.1M | $98.2M | $103.1M | $107.1M | $131.8M |
| Pre-Tax Income | $31.1M | $48.1M | $51.4M | $53.0M | $54.4M | $75.5M |
| Income Tax | $7.5M | $12.0M | $13.0M | $13.3M | $12.9M | $17.6M |
| Net Income | $23.6M | $36.1M | $38.5M | $39.7M | $41.5M | $58.0M |
| Diluted EPS | $2.19 | $3.43 | $3.59 | $3.84 | $4.06 | $5.67 |
Unity Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $32.8M | $35.3M | $33.6M | $33.7M |
| Net Income | $14.4M | $15.5M | $14.3M | $14.5M |
| Diluted EPS | $1.41 | $1.51 | $1.40 | $1.42 |
Unity Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $1.60B | $1.63B | $2.08B | $2.15B | $2.23B | $2.51B |
| Total Assets | $1.96B | $2.03B | $2.44B | $2.58B | $2.65B | $2.97B |
| Deposits | $1.56B | $1.76B | $1.79B | $1.92B | $2.10B | $2.32B |
| Total Long-Term Debt | $210.3M | $50.3M | $393.3M | $366.7M | $230.8M | $266.1M |
| Total Liabilities | $1.79B | $1.83B | $2.21B | $2.32B | $2.36B | $2.62B |
| Shareholders' Equity | $173.9M | $205.7M | $239.2M | $261.4M | $295.6M | $345.6M |
Unity Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $33.7M | $23.5M | $42.7M | $46.9M | $48.0M | $44.9M |
| Cash From Investing | -$186.8M | -$31.4M | -$541.3M | -$57.8M | -$92.8M | -$256.8M |
| Cash From Financing | $214.3M | $33.5M | $368.6M | $90.9M | $30.5M | $248.0M |
| Free Cash Flow | $33.2M | $22.2M | $41.2M | $46.0M | $47.3M | $44.3M |
Figures from Unity Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Unity Bancorp financials page for every line item.
Unity Bancorp Company Profile
| Ticker | UNTY |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Clinton, New Jersey |
| Incorporated in | New Jersey |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000920427 |
Frequently Asked Questions
What was Unity Bancorp's revenue in fiscal 2025?
Unity Bancorp (UNTY) reported revenue of $131.8M for fiscal 2025.
What is Unity Bancorp's annual revenue history?
Unity Bancorp's annual revenue by fiscal year: 2020: $77.4M; 2021: $89.1M; 2022: $98.2M; 2023: $103.1M; 2024: $107.1M; 2025: $131.8M.
What was Unity Bancorp's net income in fiscal 2025?
Unity Bancorp reported net income of $58.0M for fiscal 2025.
What was Unity Bancorp's earnings per share (EPS) in fiscal 2025?
Unity Bancorp's diluted EPS was $5.67 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Unity Bancorp generate in fiscal 2025?
Unity Bancorp generated $44.3M of free cash flow in fiscal 2025.
What was Unity Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Unity Bancorp reported revenue of $33.7M.
How much debt does Unity Bancorp have?
Unity Bancorp reported $266.1M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Unity Bancorp are outstanding?
Unity Bancorp reported a weighted average of 10.0 million basic shares outstanding in 2026 Q2.
What is Unity Bancorp's market cap?
Based on its latest closing price, Unity Bancorp (UNTY) has a market capitalization of about $566.1M.
When does Unity Bancorp's fiscal year end?
Unity Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Unity Bancorp headquartered?
Unity Bancorp lists its business address in Clinton, New Jersey in its SEC filings.