Unity Bancorp, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Unity Bancorp, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Assets Ratio: Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 96% of Financial Services companies in United States.
- Tangible Net Worth Ratio: Of every $100 of net worth, $100 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than 94% of Financial Services companies in United States.
- Steadiness Ratio: Sales and profit both grew in each of the last 3 years. Steadier than 94% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 94% of Financial Services companies in United States.
Growth Efficiency Ratio
$54Sales grew 37% in 3 years; of every extra $100 of sales, $54 became extra profit.
Higher than 81% of Financial Services companies in United States.
Asset Productivity Ratio
+37% / +21%In 3 years sales changed by +37% while total assets changed by +21%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 96% of Financial Services companies in United States.
Tangible Net Worth Ratio
100%Of every $100 of net worth, $100 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 94% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Unity Bancorp, Inc. owes $0.88 for every $1 it owns. Net profit rose 40% in the year to Dec 2025, and grew 15% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
9.6Investors pay $9.6 for every $1 of Unity Bancorp, Inc.'s yearly profit, lower than 81% of Financial Services companies in United States.
P/B ratio
1.57The share price is 1.57 times Unity Bancorp, Inc.'s book value per share, higher than 71% of Financial Services companies in United States.
Market cap
$585 MThe total market value of all of Unity Bancorp, Inc.'s shares at today's price (share price × number of shares), smaller than 55% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$372 MWhat Unity Bancorp, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$36.93Net worth divided by the number of shares. The share price of $58.11 is 1.6 times this, which is the P/B above.
Return on equity (ROE)
17.1%Unity Bancorp, Inc. earned 17.1% on its shareholders' money over the last year, higher than 81% of Financial Services companies in United States.
Owes vs Owns
0.88×Unity Bancorp, Inc. owes $0.88 for every $1 it owns (high), higher than 67% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
1.20%Unity Bancorp, Inc. pays 1.20% of its share price as dividends a year, lower than 87% of dividend-paying Financial Services companies in United States.
Revenue growth
+28%Revenue rose 28% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Profit growth
+40%Net profit rose 40% in the year to Dec 2025, and grew 15% a year on average over 3 years.
Profit margin
43.3%Unity Bancorp, Inc. keeps $43 of every $100 of revenue as net profit.
Questions
What is Unity Bancorp, Inc.'s P/E ratio?
Investors pay $9.6 for every $1 of Unity Bancorp, Inc.'s yearly profit, lower than 81% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Unity Bancorp, Inc.: $585 M ÷ $372 M (30 Jun 2026) = 1.6.
What is Unity Bancorp, Inc.'s return on equity?
Unity Bancorp, Inc. earned 17.1% on its shareholders' money over the last year, higher than 81% of Financial Services companies in United States.
How much does Unity Bancorp, Inc. owe compared with what it owns?
Unity Bancorp, Inc. owes $0.88 for every $1 it owns (high), higher than 67% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Unity Bancorp, Inc. pay a dividend?
Yes. Unity Bancorp, Inc. pays 1.20% of its share price as dividends a year, lower than 87% of dividend-paying Financial Services companies in United States.
Is Unity Bancorp, Inc.'s revenue growing?
Revenue rose 28% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.