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
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance recently climbed back into the top half of its industry — confirming the recovery.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 9.9% |
| Our one-year growth estimate | diamond | -12.5% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 22.4 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 220 industry peers
UNTY — dividend update
Dated 2026-08-20
Other Events The Registrant issued a press release on August 20, 2026, announcing the declaration of a cash dividend of $0.17 per common share payable on September 17, 2026, to shareholders of record as of September 3, 2026. The full text of the press release is filed as Exhibit 99.1 with this current report on Form 8-K and is hereby incorporated by reference in response to this item.
Why it matters: Slower deposit growth may mean customers have less confidence. This can affect funding.
Worry ifTotal deposits grew less than 5% year over year.
Less concerning ifTotal deposits growth reported at or above 5% YoY.
Why it matters: A drop in EPS would signal a slowdown in Unity's earnings growth. This could affect investor confidence.
Worry ifQ3 EPS reported below $1.40 per diluted share.
Less concerning ifQ3 EPS reported at or above $1.40 per diluted share.
Why it matters: Earnings results will show if Unity can keep making money. They will also show if Unity can maintain asset quality during tough times.
Worry ifQ3 earnings report shows net income above $14.5 million.
Less concerning ifQ3 earnings report shows net income below $14.5 million.
Why it matters: More nonaccrual assets may show higher credit risk. This can hurt asset quality.
Worry ifNonaccrual assets exceed $35 million as of Q3 2026.
Less concerning ifNonaccrual assets remain below $35 million as of Q3 2026.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$119 on $10,000 · ±1.2% | How much price usually moves either way. |
| Bad day | $292 loss on $10,000 · 2.9% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,592 loss on $10,000 · 15.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Keeping dividends shows the company is healthy. It also helps build trust with investors.
Supportive ifThe company will pay a dividend of $0.16 per share in the next quarters.
Worry ifThe company cuts or suspends its dividend payout in the next quarter.
Why it matters: A drop in noninterest income may show lower loan fee income and less revenue.
Worry ifIn Q3, noninterest income was less than $1.9 million.
Less concerning ifQ3 noninterest income was at or above $1.9 million.
Why it matters: Changes in dividend payouts could show shifts in financial health or management focus.
Watch forManagement announces an increase in the dividend payout beyond $0.16 per share.
Also watch forManagement cuts the dividend below $0.16 per share.
Why it matters: A drop in net income shows problems in making money as costs rise.
Worry ifNet income reported below $14 million for Q3 2026.
Less concerning ifNet income remains above $14 million for Q3 2026.
Why it matters: A drop in sector revenue growth could impact Unity's performance. It signals a broader trend.
Worry ifSector revenue growth reported below its median for the last three years.
Less concerning ifSector revenue growth remains stable or above its median.
Why it matters: A drop in revenue growth signals a potential slowdown in the financial sector. This could impact Unity's performance.
Worry ifUnity's revenue growth falls below the median for the financial sector.
Less concerning ifRevenue growth is above the median. This shows the company remains strong.
Why it matters: Keeping the dividend shows financial strength. It also shows a promise to shareholders.
Supportive ifThe dividend remains at $0.16 per share for Q3 2026.
Worry ifThe dividend is cut below $0.16 per share for Q3 2026.
Why it matters: Loan growth is important for Unity's profits and shows market demand.
Supportive ifTotal gross loans increase by more than 5.4% from Q2 to Q3 2026.
Worry ifLoan growth is less than 3%, signaling weakening demand.
Why it matters: More nonaccrual assets can mean credit quality issues and hurt profits.
Worry ifNonaccrual assets must stay stable or drop below $34.5 million.
Less concerning ifIf nonaccrual assets go over $34.5 million, it may signal credit issues.