Unity Bancorp, Inc. (UNTY) Stock Score, Valuation & Financial Research
Unity Bancorp, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 68/100.
Quick answer for UNTY
Unity Bancorp, Inc. currently has a Wall Street Score of 68/100. The stored market price is $60.13. Its financial score is 45/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What Unity Bancorp, Inc. does
As the parent entity of Unity Bank, Unity Bancorp, Inc. delivers a comprehensive range of commercial and retail banking solutions, catering to individual consumers, small and mid-sized enterprises, and professional organizations. Its product portfolio encompasses various deposit accounts, such as personal and business checking, certificates of deposit (time deposits), money market accounts, and traditional savings accounts, alongside both interest-earning and non-interest-bearing demand deposit options. Furthermore, the bank extends a variety of lending products, including Small Business Administration (SBA) loans, commercial financing, and consumer credit facilities, which feature residential mortgages, home equity lines of credit and loans, residential construction financing, and personal loans. Customers can access these services both online and through its network of nineteen physica
UNTY financial snapshot
- Wall Street Score:
- 68/100
- Current price:
- $60.13
- Market capitalization:
- $603.8M
- Revenue:
- $209.4M
- Net income:
- $58.6M
- Free cash flow:
- $44.3M
- Cash:
- $250.3M
- Total debt:
- $326.4M
- EPS:
- 5.78
- P/E ratio:
- 10.4x
- Financial score:
- 45/100
- Valuation score:
- 97/100
- Revenue score:
- 46/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $44.3M, showing positive cash generation.
- The balance sheet shows $250.3M of cash versus $326.4M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 45/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research UNTY
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.