Unity Bancorp Inc (UNTY) — Titan Protect Analysis

UNTY

Unity Bancorp Inc

Financial · ·

$55.17

Data: 2026-06-03

✗ ETHICAL FAIL

NONE MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$536M

Total market value of the company

Trailing P/E

8.99

Very cheap relative to earnings

Forward P/E

8.45

Based on estimated future earnings — lower means cheaper

Rev Growth

+16.1%

Year-over-year revenue change

Profit Margin

45.8%

How much profit the company keeps from each dollar of revenue

ROE

18.3%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$65.00

+18% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 4 analysts covering this stock

About Unity Bancorp Inc

Unity Bancorp, Inc. operates as the bank holding company for Unity Bank that provides commercial and retail banking services. It offers personal and business checking, money market, savings, retirement, money market accounts, as well as time and noninterest and interest-bearing demand deposits. The company also provides commercial, small business administration, consumer, mortgage, and home equity and personal loans; and owner and non-owner-occupied commercial mortgages. In addition, it is invol

https://www.unitybank.com

Country: United States Employees: 244 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

1.259

Excellent risk-adjusted returns

Kelly Fraction

0.0950

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

1.879

Returns exceed worst-case losses — strong risk profile

Annual Return

44.3%

Historical annualised return based on price data

Max Drawdown

-23.6%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.61

Less volatile than the market — more defensive

52W High

$57.30

4% below the year high

52W Low

$41.67

32% above the year low

Avg Volume

47,063

Average daily shares traded — higher means easier to buy and sell

Short Ratio

1.8

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

113.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$5.94

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

N/A

Revenue left after cost of goods — higher means pricing power

Operating Margin

57.7%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$132M

Total revenue over the last 12 months

Net Income

$61M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$68.00

Target Median

$65.00

Target Low

$61.00

Political Trading Activity

Congressional trading disclosures involving this instrument

Date	Politician	Party	Type	Amount
6 May2026	Dave McCormick	Republican	buy	500K–1M
4 May2026	Suzan DelBene	Democrat	buy	50K–100K
30 Apr2026	Dave McCormick	Republican	sell	100K–250K
30 Apr2026	Dave McCormick	Republican	sell	100K–250K
28 Apr2026	Scott Peters	Democrat	buy	50K–100K

Source: Congressional disclosure filings. View all political trades at

Insider Intelligence

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

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