Unity Bancorp, Inc. (UNTY)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$59.96+1.78%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · UNTY
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue to grow profitably while managing credit quality and supporting community banking needs.
Stated as a priority in 2 of last 2 quarters. Net income was $14.3 million in 2026-Q1 and $14.5 million in 2026-Q2, showing stable profitability. Total gross loans and deposits grew 5.4% and 6.0% respectively from December 31, 2025 to June 30, 2026. Management's statements and financials indicate delivering on profitable growth and asset quality.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“We believe Unity is well positioned to continue delivering profitable growth, maintaining strong asset quality.”
“Strong core operating performance, balanced loan and deposit growth, and robust capital and liquidity levels.”
Continue paying and gradually increasing quarterly cash dividends to shareholders.
Mentioned in 3 recent press releases with dividends declared at $0.16 per share in early 2026 and increased to $0.17 per share in Q3 2026. This reflects a consistent and slightly growing dividend payout policy, aligned with management's stated commitment to shareholder returns.
Focus on increasing commercial, residential, and consumer loan portfolios and deposit gathering.
Stated in 2 of last 2 quarters. Total gross loans grew 5.4% and total deposits grew 6.0% from December 31, 2025 to June 30, 2026. Management's statements about healthy loan pipelines and deposit traction align with these increases, indicating delivery on this growth priority.
“Loan pipelines remain healthy, deposit gathering efforts continue to gain traction.”
“Total gross loans increased $56.9 million, or 2.2%, from December 31, 2025.”
Focus on maintaining or increasing earnings per share steadily over time.
Stated in 2 of last 2 quarters. Diluted EPS was $1.40 in 2026-Q1 and $1.42 in 2026-Q2, showing stable earnings per share. This matches management's focus on stable EPS growth, indicating delivery on this priority.
“Diluted EPS $1.42 for the quarter ended June 30, 2026.”
“Diluted EPS $1.40 for the quarter ended March 31, 2026.”
Over the trailing year it converted 1.62x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
10 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.