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UNTY
UNTY
Unity Bancorp Inc
7월 27일 4:00 PM ET (한국 7/28 05:00)
$58.11
+0.07 ▲ +0.11%
🌙 7월 27일 4:10 PM ET (한국 7/28 05:10)
$58.11
+0.00 +0.00%

유니티뱅크(UNTY) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시황 · 실적발표 · 매수매도 신호, 가장 먼저 받아보세요 🔔 구독
시가총액
$583M
스몰캡
P/E
10.1
저평가 구간
배당수익률
1.18%
52주 위치
83%
저점 +31% · 고점 -5%
애널리스트
적극 매수
B-
Fundamental health
vs. Banks - Regional 소형주
수익성
Top 19%
성장
Top 53%
밸류에이션
Top 49%
재무 안정
Top 61%
💰 Is this stock pricier than usual right now?
Compared to this company's own recent 5년 (not other companies).
Very cheap
Cheap
Typical
Pricey
🔥 Very pricey
Simply put — what you pay today to own $1 of this company's yearly earnings is 10원. Over the past 5년, it usually traded around 8원. One of the priciest stretches of the past 5년.
Pricy doesn't mean bad — it means expectations are already baked in.
Index RUTP/E 10.12EPS (ttm) 5.74Insider Own 31.57%Shs Outstand 10.0MPerf Week 1.75%
Market Cap 0.58BForward P/E 9.14EPS next Y 8.54%Insider Trans -0.63%Shs Float 6.9MPerf Month 0.29%
Enterprise Value -PEG 1.01EPS next Q 1.49Inst Own 47.06%Short Float 1.66%Perf Quarter 10.83%
Income 0.06BP/S 3.01EPS this Y 15.54%Inst Trans 0.03%Short Ratio 1.94Perf Half Y 10.79%
Sales 0.19BP/B 1.57EPS next 5Y 9.08%ROA 1.91%Short Interest 0.11MPerf YTD 12.35%
Book/sh 37.02P/C -EPS past 3/5Y 80.75% 10.6%ROE 16.95%52W High -4.52% ($60.86)Perf Year 15.87%
Cash/sh -P/FCF 14.14Sales past 3/5Y - 14.24%ROIC 8.4%52W Low 31.06% ($44.34)Perf 3Y 119.28%
Dividend Est. $0.69 (1.18%)EV/EBITDA -EPS Y/Y TTM 16.03%Gross Margin -Volatility(W/M) 2.36% 3.15%Perf 5Y 158.96%
Dividend TTM 0.62EV/Sales -Sales Y/Y TTM 10.15%Oper. Margin 39.08%ATR (14) 1.79Perf 10Y 420.32%
Dividend Ex-Date 2026/6/4Quick Ratio -EPS Q/Q -12.07%Profit Margin 30.26%RSI (14) 55.3Recom 1
Dividend Gr. 3/5Y - 12.63%Current Ratio 0.3Sales Q/Q 0.29%SMA20 1.27% ($57.38)Beta 0.63Target Price $68.55
Payout 10.23%Debt/Eq 0.88Earnings 2026/7/14SMA50 3.58% ($56.1)Rel Volume 0.92Prev Close $58.04
Employees 242LT Debt/Eq 0.88EPS/Sales Surpr. -0.84% -0.64%SMA200 9.95% ($52.85)Avg Volume(3M) 0.06MPrice $58.11
IPO 1997/1/14Option/Short Yes/YesTrades 1957Volume 53,675Change 0.11%
Quarterly earnings trend SEC filings · USD
24.6
24.9
24.12
25.3
25.6
25.9
25.12
26.3
Revenue Net income 최근 분기: 매출 $45M (YoY +11%) · 순이익 $14M (YoY +23%)

📊 Unity Bancorp Inc (UNTY) Investment Analysis

What kind of company is Unity Bancorp Inc?

유니티뱅크(UNTY) 성장주
Financial · Banks - Regional
Financial Stocks

🏦 Unity Bancorp (UNTY) is a bank holding company that operates Unity Bank, a commercial bank based in New Jersey in the United States. It runs a full-service branch network focused on commercial, industrial, and small business loans, as well as residential mortgage and consumer loans. As a small regional bank stock, it has maintained solid profitability relative to its regional peers, supported by a high net interest margin and an efficient cost structure.

Learn more about Unity Bancorp Inc →
Market Cap
$0.6B
Approx. KRW 0.8 trillion
⚖️ 0% of Samsung Electronics
Market Cap Rank3071
Employees242people
IPO1997/01/14
Current Price$58.11 ≈ 79,611원
📌 RUT · NASD · USA

Key Events

⏰ Upcoming events
🔔 Earnings release
The next release date has not been announced yet.
🎯 Ex-dividend date
No scheduled dividends
📜 Recent events
🔔 Earnings release 2026년 7월 14일 (화) · 장 시작 전 EPS -0.8% 매출 -0.6%
🎯 Ex-div 2026년 6월 4일 (목) 주당 $0.16
🔔 Earnings release 2026년 4월 14일 (화) · 장 시작 전 EPS +1.9% 매출 +0.1%
🎯 Ex-div 2026년 3월 6일 (금)
🔔 Earnings release 2026년 1월 13일 (화) · 장 시작 전

Is it profitable?

Profitable but financially weak
High debt load may weigh on results in a downturn
Profitability — How efficiently it makes money
Operating Margin
Profit kept from selling products and services (higher is better)
39.1%
✓ 우수
My positionTop 5%
Low range Average High range
Banks - Regional 소형주 Median 25.4% · Top 2%
💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수
Net Margin
Share of revenue left after taxes and interest are paid
30.3%
✓ 우수
My positionTop 5%
Low range Average High range
Banks - Regional 소형주 Median 19.7% · Top 2%
💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수
ROE
Annual return earned on shareholders' equity (15%+ is strong)
16.9%
✓ 우수
My positionTop 25%
Low range Average High range
Financial 소형주 Median 9.9% · Top 12%
💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)
ROA
Annual earnings relative to total company assets
1.9%
✓ 양호
My positionMid-range
Low range Average High range
Financial 소형주 Median 1.5% · Top 44%
💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수
ROIC
Return generated per dollar invested in the business
8.4%
✓ 양호
My positionMid-range
Low range Average High range
Financial 소형주 Median 5.3% · Top 32%
💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수
Financial health — Debt & liquidity burden
Debt-to-Equity (D/E)
Debt relative to equity (lower is healthier)
0.88
✓ Average
My positionMid-range
Low range Average High range
Banks - Regional Median 0.42
💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)
Current Ratio
Liquid assets available to cover liabilities due within a year
0.30
✓ 위험
💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의
* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Mixed Outlook
Positive and negative signals are mixed
애널리스트 목표가
$68.55
현재가 대비 +18.0%
💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균
예상 PER (Forward)
9.14배
💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인
PEG (성장 반영 밸류)
1.01
적정
💡 PEG 1~1.5 — 성장 대비 합리적
내년 EPS 예상 성장률
+8.5%
💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상
5년 EPS 예상 연평균
+9.1%
💡 장기 성장 전망. 15% 이상이면 고성장 기업
⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

Average Earnings Performance
Slight tendency to beat estimates
2
예상 상회
1
예상 부합
0
예상 하회
67%
상회 비율
+4.3%
평균 서프라이즈
2026.07.14
부합
실적 $1.42 · 예상 $1.43 -1.0%
2026.04.14
상회
실적 $1.40 · 예상 $1.38 +1.8%
2026.01.13
상회
실적 $1.52 · 예상 $1.36 +12.0%
💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Growth Expected to Slow
Historical growth is expected to lose momentum
Healthy, Balanced Growth EPS and revenue are both growing steadily — a sustainable growth profile
🔮 How much will it grow? (analyst forecasts)
This Year's EPS Outlook
Projected EPS growth rate for this year
+15.5%
평균
My positionMid-range
Low range Average High range
성장주 소형주 Median 16.2% · Bottom 48%
Next Year's EPS Outlook
Projected EPS growth rate for next year (analyst consensus)
+8.5%
부진
My positionBottom 25%
Low range Average High range
성장주 소형주 Median 17.5% · Bottom 25%
5-Year EPS CAGR Outlook
Projected average annual EPS growth over the next 5 years
+9.1%
매우 부진
My positionBottom 5%
Low range Average High range
성장주 소형주 Median 18.9% · Bottom tier
📊 How much has it grown? (actual results)
Past 3-Year EPS
Actual average annual EPS growth over the past 3 years
+80.8%
우수
My positionTop 5%
Low range Average High range
성장주 소형주 Median 8.7% · Top tier
Past 5-Year EPS
Actual average annual EPS growth over the past 5 years
+10.6%
양호
My positionMid-range
Low range Average High range
성장주 소형주 Median 2.9% · Top 37%
Past 5-Year Revenue
How much revenue grew over the past 5 years
+14.2%
양호
My positionMid-range
Low range Average High range
성장주 소형주 Median 10.4% · Top 36%
⚡ Short-term momentum
QoQ Revenue
Revenue change from the previous quarter (short-term momentum)
+0.3%
평균
My positionMid-range
Low range Average High range
성장주 소형주 Median 7.0% · Bottom 27%
* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

Has the stock risen over the long term?

Outperformed the market by 91%p over 5 years
UNTY +159.0% · S&P 500 +68.3%
Excess return vs. market (price-based, ex-dividends)
5-year basis
vs S&P 500
+90.6%p
well ahead of the market
1-year basis
vs S&P 500
-0.1%p
roughly in line with the market
Rank among peers
5-year return Top among peers Based on 130 peers
1-year return Bottom 17% Based on 134 peers
Current position within 52-week range
Low (-31.1%p) High (-4.5%p)
Current price is 31.1% above the 52-week low and 4.5% below the 52-week high
Recent risk (last 120 trading days)
Max drawdown
-12.3%
Annualized volatility
25.6%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

  • close
  • BB Upper
  • BB Mid
  • BB Lower
  • Tenkan
  • Kijun
  • Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🟢
Current diagnosis · 2026-07-27
Uptrend zone

Current price $58.11 above the midline ($57.38). Normal upward flow. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟡
Current diagnosis · 2026-07-27
Neutral zone — weak trend

MACD 0.400 · Signal 0.408 · Hist -0.008. Weak directional bias.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢
Current diagnosis · 2026-07-27
Bullish zone

RSI 55.3 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 73.2.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

In line with the industry average
Cheap on Vs. Earnings, Pricey on Vs. Assets, In line with peers on Vs. Sales·Vs. Cash Flow
💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.
💵 Vs. Earnings Cheap
🏢 Vs. Assets Pricey
🧾 Vs. Sales Mid-range
💧 Vs. Cash Flow Mid-range
💵 Vs. Earnings
PER Price-to-Earnings Ratio
How expensive the price is vs. earnings — lower is cheaper
10.12x
✓ Very cheap
My positionTop 25%
Low range Average High range
Banks - Regional 소형주 median 12.66x · Top 16% — relatively cheap within the industry
💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)
💵 Vs. Earnings
Forward PER Forward Price-to-Earnings Ratio
PER using next year's estimated earnings — reflects growth
9.14x
✓ Very cheap
My positionTop 25%
Low range Average High range
Banks - Regional 소형주 median 10.26x · Top 24% — relatively cheap within the industry
💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중
🏢 Vs. Assets
PBR Price-to-Book Ratio
Price vs. the company's asset value — below 1 trades cheaper than assets
1.57x
✓ Pricey
My positionBottom 25%
Low range Average High range
Banks - Regional 소형주 median 1.30x · Bottom 23% — expensive within the industry
💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)
🧾 Vs. Sales
PSR Price-to-Sales Ratio
Market cap vs. revenue — lower is cheaper relative to sales
3.01x
✓ Fair
My positionMid-range
Low range Average High range
Banks - Regional 소형주 median 2.49x · Around the industry average
💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)
💧 Vs. Cash Flow
P/FCF Price-to-Free-Cash-Flow Ratio
Price vs. actual cash generation — lower means more efficient
14.14x
✓ Fair
My positionMid-range
Low range Average High range
Banks - Regional 소형주 median 12.07x · Around the industry average
💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)
Analyst target price (reference)
$68.55 vs. current price +18.0%
* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.
As of: Recent snapshot · Peer group: Banks - Regional 소형주

Who owns it?

Ownership is broadly stable
Insider modest net selling -0.6% · Institutional modest net buying +0.0% · Short interest light 1.7% · Short interest up +0.7pp over last 90d
📈 Recent trading flow (6 months)
🧑‍💼 Insiders (executives & directors)
-0.6%
Insiders net selling
🏦 Institutions (funds & investors)
+0.0%
Institutions little change
💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.
👥 Holdings composition
🏦 Institutions 47.1%
Moderate institutional participation
Financial 소형주 Median 42.5%
🧑‍💼 Insiders 31.6%
Founder/management large holders (strong skin-in-the-game)
Financial 소형주 Median 14.2%
👤 Retail investors (estimated) 21.4%
Everyone excluding institutions and insiders
Institutions Insiders Retail (est.)
📉 Short-selling metrics
Short ratio
1.7%
Low — limited short-side pressure
Financial 소형주 Median 0.8%
Past 90 days 📈 +0.7%p increase
Short interest days to cover
1.9 days
Days needed to close short positions using average trading volume
🧮 Share count
Total shares outstanding 10.0M주
Float (tradable shares) 6.9M주
* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding UNTY

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

배당 지급 — 연 1.18%
배당보다 주가 성장에 가까운 비중
Dividend Yield
1.18%
Industry average 2.62%
Dividend Per Share
$0.69
Annualized
Payout Ratio
10%
Share of net income paid as dividends
5-Year Growth
12.6%
Annualized dividend growth
🏆 12년 연속 배당 증가
📅 지급월 3월 · 9월 · 12월
📊 총 이력 1997~2026 (84건)
연도별 배당 총액 추이
주당 배당금을 연 단위로 합산한 금액입니다. 막대가 우상향이면 매년 배당이 늘어나고 있다는 뜻입니다.
$0.17 +32.1%
2016
$0.23 +36.8%
2017
$0.27 +17.4%
2018
$0.31 +14.8%
2019
$0.32 +3.2%
2020
$0.36 +12.5%
2021
$0.43 +19.4%
2022
$0.48 +11.6%
2023
$0.52 +8.3%
2024
$0.58 +11.5%
2025
$X.XX 그 해 총 배당금 +X% 전년 대비 증가 -X% 감소
최근 배당 이력 총 84건
아래로 스크롤하면 과거 배당 이력을 볼 수 있습니다.
배당락일
주당 금액
지급일
당시 수익률
2026-03-06
$0.160
1.45%
2025-12-05
$0.150
1.37%
2025-09-05
$0.150
1.32%
2025-06-06
$0.140
1.56%
2025-03-14
$0.140
1.55%
2024-12-13
$0.130
1.37%
2024-09-06
$0.130
1.96%
2024-06-07
$0.130
2.36%
2024-03-14
$0.130
1.83%
2023-12-14
$0.120
2.14%
2023-09-07
$0.120
2.49%
2023-06-08
$0.120
2.37%
2023-03-09
$0.120
2.21%
2022-12-15
$0.110
1.99%
2022-09-08
$0.110
1.86%
2022-06-09
$0.110
1.74%
2022-03-10
$0.100
1.66%
2021-12-16
$0.100
1.71%
2021-09-09
$0.090
1.84%
2021-06-10
$0.090
1.81%
2021-03-11
$0.080
1.82%
2020-12-16
$0.080
1.79%
2020-09-10
$0.080
3.25%
2020-06-11
$0.080
2.89%
2020-03-12
$0.080
2.62%
2019-12-12
$0.080
1.63%
2019-09-12
$0.080
1.78%
2019-06-13
$0.080
1.73%
2019-03-14
$0.070
1.63%
2018-12-13
$0.070
1.59%
2018-09-13
$0.070
1.34%
2018-06-14
$0.070
1.13%
2018-03-15
$0.060
1.29%
2017-12-14
$0.060
1.38%
2017-09-14
$0.060
1.21%
2017-06-13
$0.060
1.49%
2017-03-15
$0.050
1.30%
2016-12-14
$0.050
1.15%
2016-09-09
$0.045
1.61%
2016-06-14
$0.036
1.28%
2016-03-15
$0.036
1.38%
2015-12-11
$0.036
1.29%
2015-09-11
$0.036
1.33%
2015-06-11
$0.027
1.50%
2015-03-12
$0.027
1.42%
2014-12-04
$0.027
1.10%
2014-09-10
$0.027
0.97%
2014-06-11
$0.018
0.77%
2014-03-13
$0.018
0.62%
2013-12-12
$0.009
0.39%
2013-09-12
$0.009
0.26%
2013-06-13
$0.009
0.14%
2008-07-09
$0.045
3.86%
2008-04-09
$0.043
3.35%
2008-01-09
$0.043
2.89%
2007-10-10
$0.043
2.24%
2007-07-11
$0.043
2.30%
2007-04-11
$0.041
2.13%
2007-01-10
$0.041
1.70%
2006-10-11
$0.041
1.53%
2006-07-12
$0.041
1.41%
2006-04-11
$0.039
1.49%
2006-01-11
$0.039
1.62%
2005-10-12
$0.039
1.70%
2005-07-13
$0.039
1.75%
2005-04-13
$0.030
1.65%
2005-01-12
$0.030
1.34%
2004-10-13
$0.030
1.20%
2004-07-13
$0.030
1.02%
2004-04-13
$0.028
0.74%
2004-01-13
$0.021
0.50%
2003-10-10
$0.021
0.27%
1999-10-27
$0.041
3.98%
1999-08-06
$0.041
2.58%
1999-05-06
$0.041
2.36%
1999-02-03
$0.034
2.04%
1998-12-17
$0.033
1.74%
1998-10-28
$0.021
1.25%
1998-07-29
$0.032
1.09%
1998-04-29
$0.022
0.78%
1998-01-21
$0.022
0.95%
1997-10-08
$0.022
0.90%
1997-07-02
$0.022
0.73%
1997-04-11
$0.022
0.34%
* "배당락일"은 배당받으려면 이 날 이전에 주식을 보유해야 하는 기준일입니다. 지급일·당시 수익률은 일부 종목에서 데이터가 없을 수 있습니다.
💰 내가 100만원 투자한다면
연간 배당금 (세후) 1.0만원
5년 누적 (세후) 6.5만원
* 환율 1,370원, 세금 15% 반영. 5년 누적은 배당 성장률 연 12.63% 가정.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)
Sorted by market cap, largest first
StockMarket CapPERPBRROEDividend YieldChange
UNTY UNTY This Stock
$583.5M10.1 1.6 16.95% 1.18% +0.1%
BRK-B
$966.4B14.8 1.5 10.49% - +0.5%
BRK-A
$963.1B14.8 1.5 10.49% - +0.1%
JPM
$954.4B15.3 2.7 17.71% 1.8% +0.8%
V
$683.1B31.9 19.4 59.8% 0.75% +1.9%
MA
$487.5B31.9 72.8 232.56% 0.63% +2.2%
Sector Avg-13.61.39.39%2.62%-
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FAQ

What kind of company is 유니티뱅크(UNTY)?

유니티뱅크(UNTY) belongs to the Financial sector and operates in the Banks - Regional industry.

What is the market cap of UNTY?

The market cap of UNTY is approximately $583M, ranking 3,071 within its sector.

Does UNTY pay dividends?

UNTY has a dividend yield of approximately 1.18%, with an annual dividend of $0.69.

What is the P/E ratio of UNTY?

UNTY has a P/E ratio of approximately 10.1x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for UNTY?

UNTY has recorded a 52-week high of $60.86 and a low of $44.34.

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