Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Unity Bancorp, Inc. (UNTY)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$59.35+2.54%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
6.34 → 6.38 EPS · FY ending Dec 31, 2027 · 4 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 4 to 4; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for UNTY yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Quarterly dividend remains at $0.16 per share | The bank pays consistent dividends of $0.16 per share quarterly. | Intact | Dividend cut below $0.16 per share in any quarter | Required source inputs unavailable Cannot calculate Dividend per share from the available matching source inputs. Missing inputs are not treated as zero. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
UNTY is a bank with a growth-oriented, quality-focused thesis, rather than a turnaround story. The thesis is intact, with robust earnings quality and strong recent performance, though management execution is rated neutral and the evidence confidence is medium.
The valuation is described as cheap, despite a durable premium versus peers. The expectations gap is modest, and priced-in risk is low, so the current valuation appears justified rather than dependent on unusually high expectations.
In the near term, the latest evidence points to continued operating progress: third-quarter net income was higher than first-quarter net income, while loans and deposits grew and nonaccrual assets declined from year-end 2025. The company also reported an earnings beat, but recent-quarter misses and its smaller size leave some near-term execution risk; the CEO transition adds a change to monitor.
Over the next few quarters, the thesis depends on management sustaining profitable growth, strong asset quality, and loan and deposit expansion without cutting guidance. Rate changes and broader Financials-sector results are additional swing factors, while continued earnings strength from sector bellwethers could support momentum.
For the next one to three years, UNTY’s long-term thesis rests on continued growth and improving asset quality, with recent results supporting the case but guidance and execution still important. The available evidence points to a justified valuation and low priced-in fragility, not a risk-free outlook. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| Unity Bancorp delivers stable earnings with EPS around $1.40 per quarter. |
| Intact |
| EPS falls below $1.40 per share in any quarter |
Diluted EPS: $1.70 per share FY2026-Q3; GAAP. Published target: >=1.40 USD per share per quarter. The stored target says 2026-Q4; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Oct 13, 20261.7 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
P/E ratio remains below peer median of 11.98 | Its valuation is cheap with a P/E of 9.52, below peers. | Broken | P/E rises above 12 without earnings growth | P/E (TTM): 10.15x As of 2026-11-04; trailing twelve months. The target timing and basis require a separate assessment. Nov 4, 202610.1453 ratio · calculatedLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$6.36 → $6.38 · observed estimates
$0.15B → $0.16B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $6.36 | $152,461,250 | 4 / 3 |
| 2026-07-25 | $6.36 | $150,651,670 | 5 / 3 |
| 2026-07-26 | $6.36 | $152,461,250 | 4 / 3 |
| 2026-07-27 | $6.36 | $150,651,670 | 5 / 3 |
| 2026-07-28 | $6.36 | $150,651,670 | 5 / 3 |
| 2026-07-29 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-07-30 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-07-31 | $6.36 | $150,651,670 | 5 / 3 |
| 2026-08-01 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-02 | $6.36 | $150,651,670 | 5 / 3 |
| 2026-08-03 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-04 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-05 | $6.36 | $150,651,670 | 5 / 3 |
| 2026-08-06 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-08 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-09 | $6.36 | $150,651,670 | 5 / 3 |
| 2026-08-10 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-12 | $6.36 | $150,651,670 | 5 / 3 |
| 2026-08-13 | $6.36 | $150,651,670 | 5 / 3 |
| 2026-08-14 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-15 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-16 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-17 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-18 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-19 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-20 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-21 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-22 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-23 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-24 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-25 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-26 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-27 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-28 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-29 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-30 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-08-31 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-01 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-02 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-03 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-04 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-05 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-06 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-07 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-08 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-09 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-10 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-11 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-12 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-13 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-14 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-15 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-16 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-17 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-18 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-19 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-20 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-21 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-22 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-23 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-24 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-25 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-26 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-27 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-28 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-29 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-09-30 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-10-01 | $6.36 | $152,461,250 | 4 / 2 |
| 2026-10-02 | $6.34 | $152,211,250 | 4 / 2 |
| 2026-10-03 | $6.34 | $152,211,250 | 4 / 2 |
| 2026-10-04 | $6.34 | $152,211,250 | 4 / 2 |
| 2026-10-05 | $6.34 | $152,211,250 | 4 / 2 |
| 2026-10-06 | $6.34 | $152,211,250 | 4 / 2 |
| 2026-10-07 | $6.34 | $152,211,250 | 4 / 2 |
| 2026-10-08 | $6.32 | $152,211,250 | 4 / 2 |
| 2026-10-09 | $6.32 | $152,211,250 | 4 / 2 |
| 2026-10-10 | $6.32 | $152,211,250 | 4 / 2 |
| 2026-10-11 | $6.32 | $154,218,333 | 4 / 2 |
| 2026-10-12 | $6.32 | $154,218,333 | 4 / 2 |
| 2026-10-13 | $6.32 | $154,218,333 | 4 / 2 |
| 2026-10-14 | $6.32 | $153,988,333 | 4 / 2 |
| 2026-10-15 | $6.36 | $155,488,333 | 4 / 2 |
| 2026-10-16 | $6.38 | $155,488,333 | 4 / 3 |
| 2026-10-17 | $6.38 | $155,488,333 | 4 / 3 |
| 2026-10-18 | $6.38 | $155,488,333 | 4 / 3 |
| 2026-10-19 | $6.38 | $155,488,333 | 4 / 3 |
| 2026-10-20 | $6.38 | $155,488,333 | 4 / 3 |
| 2026-10-21 | $6.38 | $155,473,000 | 4 / 3 |
| 2026-10-22 | $6.38 | $155,473,000 | 4 / 3 |
| 2026-10-23 | $6.38 | $155,473,000 | 4 / 3 |
| 2026-10-24 | $6.38 | $155,473,000 | 4 / 3 |
| 2026-10-25 | $6.38 | $155,473,000 | 4 / 3 |
| 2026-10-26 | $6.38 | $155,473,000 | 4 / 3 |
| 2026-10-27 | $6.38 | $155,473,000 | 4 / 3 |
| 2026-10-28 | $6.38 | $155,473,000 | 4 / 3 |
| 2026-10-29 | $6.38 | $155,473,000 | 4 / 2 |
| 2026-10-30 | $6.38 | $155,473,000 | 4 / 2 |
| 2026-10-31 | $6.38 | $155,473,000 | 4 / 2 |
| 2026-11-01 | $6.38 | $155,473,000 | 4 / 2 |
| 2026-11-02 | $6.38 | $155,473,000 | 4 / 2 |
| 2026-11-03 | $6.38 | $155,473,000 | 4 / 2 |
| 2026-11-04 | $6.38 | $155,473,000 | 4 / 2 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 5 Buy / Strong Buy · 0 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 1 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.