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Upturn AI SWOT - About
UNTY 
Unity Bancorp Inc (UNTY)
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Upturn Advisory Summary
09/12/2025: UNTY (3-star) is a STRONG-BUY. BUY since 11 days. Simulated Profits (-0.65%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $60.33
1 Year Target Price $60.33
| 1 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 57.2% | Avg. Invested days 56 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 520.61M USD | Price to earnings Ratio 10.5 | 1Y Target Price 60.33 |
Price to earnings Ratio 10.5 | 1Y Target Price 60.33 | ||
Volume (30-day avg) 3 | Beta 0.8 | 52 Weeks Range 31.84 - 54.49 | Updated Date 09/15/2025 |
52 Weeks Range 31.84 - 54.49 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 1.02% | Basic EPS (TTM) 4.94 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 43.43% | Operating Margin (TTM) 63.22% |
Management Effectiveness
Return on Assets (TTM) 1.83% | Return on Equity (TTM) 17.03% |
Valuation
Trailing PE 10.5 | Forward PE 8.39 | Enterprise Value 614051904 | Price to Sales(TTM) 4.48 |
Enterprise Value 614051904 | Price to Sales(TTM) 4.48 | ||
Enterprise Value to Revenue 7.55 | Enterprise Value to EBITDA - | Shares Outstanding 10033000 | Shares Floating 6702064 |
Shares Outstanding 10033000 | Shares Floating 6702064 | ||
Percent Insiders 28.41 | Percent Institutions 51.81 |
Upturn AI SWOT
Unity Bancorp Inc
Company Overview
History and Background
Unity Bancorp Inc. was founded in 1991 and is headquartered in Clinton, New Jersey. It operates as the holding company for Unity Bank, providing community banking services to businesses and individuals in New Jersey and Pennsylvania. Over the years, Unity Bank has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Lending: Provides term loans, lines of credit, and commercial real estate financing to businesses. Focuses on serving small and medium-sized businesses in its market area.
- Retail Banking: Offers deposit accounts, including checking, savings, and money market accounts, as well as consumer loans like mortgages, auto loans, and personal loans.
- Wealth Management: Provides financial planning and investment advisory services to individuals and businesses.
Leadership and Structure
James A. Hughes is the President & CEO of Unity Bancorp. The organizational structure includes various departments such as lending, retail banking, finance, and compliance, reporting to the executive management team and board of directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans constitute a significant portion of Unity Bank's loan portfolio. Market share data is regionally specific and difficult to quantify precisely, but Unity Bank is a key lender in its local markets. Competitors include larger regional banks like Fulton Financial and OceanFirst Financial Corp.
- Small Business Loans: Unity Bank offers a range of small business loans, including SBA loans. Market share is competitive, but Unity focuses on personalized service. Competitors include national banks like Bank of America and Wells Fargo as well as other community banks.
- Residential Mortgages: Mortgages offered to individuals in NJ and PA. Competitors include Quicken Loans and large national banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and increasing competition from non-traditional lenders and fintech companies. Economic conditions significantly impact bank profitability.
Positioning
Unity Bancorp is positioned as a community bank focused on serving the needs of small to medium-sized businesses and individuals in its market area. Its competitive advantage lies in its personalized service and local market knowledge.
Total Addressable Market (TAM)
The TAM for community banking services in New Jersey and Pennsylvania is estimated to be in the billions of dollars. Unity Bancorp is positioned to capture a portion of this market through its branch network and digital banking offerings.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on interest income
- Lack of brand recognition outside its core markets
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Strategic acquisitions
- Growing demand for small business lending
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Fulton Financial (FULT)
- OceanFirst Financial Corp (OCFC)
- Lakeland Bancorp (LBAI)
Competitive Landscape
Unity Bancorp faces competition from larger regional banks with greater resources and wider geographic reach. Its competitive advantage lies in its personalized service and local market expertise, but it needs to continually innovate to stay competitive.
Growth Trajectory and Initiatives
Historical Growth: Historical growth would be derived from the analysis of previous financial statements and annual reports.
Future Projections: Future projections would come from analyst estimates. The analysis would be gathered from financial websites with analyst ratings.
Recent Initiatives: Recent strategic initiatives need to be gathered from press releases and the investor relations page of Unity Bancorp Inc.
Summary
Unity Bancorp is a community bank with strengths in local market knowledge and customer service. It faces challenges from larger competitors and needs to strategically navigate regulatory changes and economic conditions. Recent initiatives focus on digital banking and expanding into new markets, presenting opportunities for growth. Further initiatives are needed for the company to be more competitive in the current banking landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Financial News Outlets
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Unity Bancorp Inc
Exchange NASDAQ | Headquaters Clinton, NJ, United States | ||
IPO Launch date 1997-01-20 | President, CEO & Director Mr. James A. Hughes CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 237 | Website https://www.unitybank.com |
Full time employees 237 | Website https://www.unitybank.com | ||
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, and retirement 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 involved in the residential construction, commercial, and industrial lending activities secured by business assets, including receivables, inventory, and equipment. Further, the company offers credit and debit cards, wire transfers, safe deposit boxes, automated teller, and internet and mobile banking services; automated clearing house origination and remote deposit capture services; and business services, such as escrow account, merchant, and online services. Unity Bancorp, Inc. was founded in 1991 and is headquartered in Clinton, New Jersey.
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