Unity Bancorp, Inc. (UNTY)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$57.77-2.66%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
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 is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -4.2% |
| Our one-year growth estimate | diamond | -12.8% |
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 2026-11-05.
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 8.6 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
UNTY — CEO transition
Dated 2026-09-23
CEO — James A. Hughes: The CEO is retiring with a pre-announced, orderly internal succession plan naming a successor, which is not considered a sudden loss of leadership.
Why it matters: Nonaccrual assets fell from $31.3 million to $24.1 million. A rise would reverse that improvement in loan quality.
Worry ifAt quarter-end, nonaccrual assets top $24.1 million, or nonaccrual loans top 0.81% of total loans.
Less concerning ifNonaccrual assets stay at or below $24.1 million and nonaccrual loans stay at or below 0.81% of total loans.
Why it matters: Loans and deposits both grew about 10% through September. Faster loan growth could add pressure to funding costs.
Worry ifAt the next report, loan growth since December exceeds deposit growth since December by more than 3 percentage points.
Less concerning ifLoan growth stays within 3 percentage points of deposit growth, or deposit growth is faster.
Why it matters: Margin rose to 4.67% in Q3 as loan yields increased. A further rise would support earnings from core banking.
Supportive ifQ4 net interest margin is above 4.67%, and net interest income exceeds Q3's $34.3 million.
Worry ifQ4 net interest margin falls below 4.56%, the Q2 level, or net interest income falls below $34.3 million.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
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 | ±$114 on $10,000 · ±1.1% | How much price usually moves either way. |
| Bad day | $241 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,229 loss on $10,000 · 12.3% | 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.