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Companies / Financials / Unity Bancorp, Inc.
UNTY

Unity Bancorp, Inc.

FinancialsBanks & Brokers
Ticker UNTYCLINTON, NJFiscal year ends DecemberBook value per share $38.02Diluted shares 10.2M

Unity Bancorp, Inc. (Nasdaq: UNTY) is a bank holding company whose primary business is owning and supervising Unity Bank. The Bank provides community-oriented commercial banking to individuals, small and medium-sized businesses, professionals, and state and local municipalities, offering deposit accounts, payment… From the company’s description.

Over the twelve months to Sep 30, 2026, Unity Bancorp, Inc. reported revenue of $139.27M, up 11.5% from a year earlier, and net income of $61.60M. Its pre-tax margin was 55.2%. In fiscal 2025, it reported revenue of $131.81M, up 23.1% from fiscal 2024, and net income of $57.95M.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-09-30
Sales & profitability
$131.81MFY2025
+23.1% year over year
Last 12 mo $139.27M
55.15%FY2025
+2.9 percentage points
Last 12 mo 55.17%
$57.95MFY2025
+39.8% year over year
Last 12 mo $61.60M
16.77%FY2025
+2.7 percentage points
Last 12 mo 15.86%
Cash & financing
$44.91MFY2025
−6.4% year over year
Last 12 mo $31.51M
$44.34MFY2025
−6.2% year over year
Last 12 mo $30.79M
6.75FY2025
Was 7.14× a year earlier
Last 12 mo 6.62
10.2MFY2025
+0.2% year over year
Last 12 mo 10.2M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What Unity Bancorp, Inc. does

In the company’s own words

Unity Bancorp, Inc. (Nasdaq: UNTY) is a bank holding company whose primary business is owning and supervising Unity Bank. The Bank provides community-oriented commercial banking to individuals, small and medium-sized businesses, professionals, and state and local municipalities, offering deposit accounts, payment services, online and mobile banking, and commercial, SBA, consumer, mortgage, home equity, and personal loans. Commercial lending includes real estate mortgages, business loans, and construction financing; the majority of the loan portfolio is real-estate secured. The company also earns fees from treasury and payment services and from originating, servicing, and selling residential mortgage and SBA loans. It operates through its banking locations and online services across New Jersey and Northampton County, Pennsylvania, serving customers throughout the New York City metropolitan area. At December 31, 2025, the Bank operated 22 branches, and the company employed 239 full-time and six part-time employees. Unity Bancorp became the Bank’s holding company in 1994. Its website is www.unitybank.com.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
CLINTON, NJ
Fiscal year end
December
CIK
920427
SIC
6022

Financial performance, year by year

Fiscal 2011–2025 · USD
$-13.93M$27.85M$69.63M$111.42M$153.20M201120122013201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Unity Bancorp, Inc. — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

196
funds hold it
0 of 35
superinvestors hold it
$118.16M
held by funds, at market
20.8%
of shares held by funds

Largest fund holders · Unity Bancorp, Inc.’s weight in each

VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.01%of fund net assets
Avantis U.S. Small Cap Value ETF
AVUV · American Century ETF Trust
—of fund net assets
VANGUARD EXTENDED MARKET INDEX FUND
VXF · VANGUARD INDEX FUNDS
0.00%of fund net assets
U.S. Targeted Value Portfolio
DFFVX · DFA INVESTMENT DIMENSIONS GROUP INC
—of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do Unity Bancorp, Inc. and its peers compare on margins and cash generation over ten years?”
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