Unity Bancorp Inc. (UNTY)
Unity Bancorp Statistics
Share Statistics
Unity Bancorp has 9.99M shares outstanding. The number of shares has increased by -1.53% in one year.
| Shares Outstanding | 9.99M |
| Shares Change (YoY) | -1.53% |
| Shares Change (QoQ) | 0.06% |
| Owned by Institutions (%) | 47.56% |
| Shares Floating | 6.44M |
| Failed to Deliver (FTD) Shares | 151 |
| FTD / Avg. Volume | 0.37% |
Short Selling Information
The latest short interest is 39.81K, so 0.4% of the outstanding shares have been sold short.
| Short Interest | 39.81K |
| Short % of Shares Out | 0.4% |
| Short % of Float | 0.63% |
| Short Ratio (days to cover) | 0.99 |
Valuation Ratios
The PE ratio is 7.61 and the forward PE ratio is 8.84. Unity Bancorp's PEG ratio is 1.21.
| PE Ratio | 7.61 |
| Forward PE | 8.84 |
| PS Ratio | 3.02 |
| Forward PS | 3.6 |
| PB Ratio | 1.16 |
| P/FCF Ratio | 6.57 |
| PEG Ratio | 1.21 |
Enterprise Valuation
Currently the Enterprise Value (EV) is not available for Unity Bancorp Inc..
| EV / Earnings | n/a |
| EV / Sales | n/a |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 6.04, with a Debt / Equity ratio of 1.4.
| Current Ratio | 6.04 |
| Quick Ratio | 6.04 |
| Debt / Equity | 1.4 |
| Total Debt / Capitalization | 58.38 |
| Cash Flow / Debt | 0.13 |
| Interest Coverage | 1.09 |
Financial Efficiency
Return on equity (ROE) is 0.15% and return on capital (ROIC) is 6.32%.
| Return on Equity (ROE) | 0.15% |
| Return on Assets (ROA) | 0.02% |
| Return on Capital (ROIC) | 6.32% |
| Revenue Per Employee | $446,299.11 |
| Profits Per Employee | $177,263.39 |
| Employee Count | 224 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 13.29M |
| Effective Tax Rate | 0.25 |
Stock Price Statistics
The stock price has increased by 78.13% in the last 52 weeks. The beta is 1.05, so Unity Bancorp's price volatility has been higher than the market average.
| Beta | 1.05 |
| 52-Week Price Change | 78.13% |
| 50-Day Moving Average | 46.17 |
| 200-Day Moving Average | 37.38 |
| Relative Strength Index (RSI) | 50.82 |
| Average Volume (20 Days) | 40.4K |
Income Statement
In the last 12 months, Unity Bancorp had revenue of 99.97M and earned 39.71M in profits. Earnings per share was 3.89.
| Revenue | 99.97M |
| Gross Profit | 99.97M |
| Operating Income | 52.99M |
| Net Income | 39.71M |
| EBITDA | 0 |
| EBIT | 52.99M |
| Earnings Per Share (EPS) | 3.89 |
Balance Sheet
The company has 20.67M in cash and 366.75M in debt, giving a net cash position of -346.08M.
| Cash & Cash Equivalents | 20.67M |
| Total Debt | 366.75M |
| Net Cash | -346.08M |
| Retained Earnings | 191.11M |
| Total Assets | 2.64B |
| Working Capital | -543.58M |
Cash Flow
In the last 12 months, operating cash flow was 46.91M and capital expenditures -955K, giving a free cash flow of 45.95M.
| Operating Cash Flow | 46.91M |
| Capital Expenditures | -955K |
| Free Cash Flow | 45.95M |
| FCF Per Share | 4.5 |
Margins
Gross margin is 100%, with operating and profit margins of 53.01% and 39.72%.
| Gross Margin | 100% |
| Operating Margin | 53.01% |
| Pretax Margin | 53.01% |
| Profit Margin | 39.72% |
| EBITDA Margin | n/a |
| EBIT Margin | 53.01% |
| FCF Margin | 45.97% |
Dividends & Yields
UNTY pays an annual dividend of $0.64, which amounts to a dividend yield of 1.11%.
| Dividend Per Share | $0.64 |
| Dividend Yield | 1.11% |
| Dividend Growth (YoY) | 8.33% |
| Payout Ratio | 15.76% |
| Earnings Yield | 8.16% |
| FCF Yield | 9.66% |
Analyst Forecast
The average price target for UNTY is $54.5, which is 14.4% higher than the current price. The consensus rating is "Buy".
| Price Target | $54.5 |
| Price Target Difference | 14.4% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
Stock Splits
The last stock split was on Sep 13, 2016. It was a forward split with a ratio of 11:10.
| Last Split Date | Sep 13, 2016 |
| Split Type | forward |
| Split Ratio | 11:10 |
Scores
| Altman Z-Score | 0.08 |
| Piotroski F-Score | 7 |