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Unity Bancorp, Inc.

UNTY Finance Major Banks
$58.14
▲ +2.8% Today
as of Oct 23, 16:53 ET
Last 30 days -3.02% Sep 14 → Oct 23
$53.76 $55.42 $57.09 $58.75 $60.41 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$57.91
High
$58.14
Low
$57.45
Volume
$41,636
Avg Vol
$51,815
Mkt Cap
$548M
P/E (TTM)
20.00
Beta
—
52w High
$62.50
52w Low
$44.34
Div Yield
—
Shares Out
$10M

Recent Press Releases & News last 60 days · 9 items

Oct 13 · 12:30 Zacks
Compared to Estimates, Unity Bancorp (UNTY) Q3 Earnings: A Look at Key Metrics
Oct 13 · 10:15 Zacks
Unity Bancorp (UNTY) Q3 Earnings and Revenues Surpass Estimates
Oct 13 · 10:08 Associated Press
Unity Bancorp: Q3 Earnings Snapshot
▸ Show all 9 press releases & news Free account →

UNTY earnings at a glance

The options market is pricing a move of about ±9.0% after the report, a range of roughly $52.90 to $63.38 from today's $58.14. Over its last 5 reports the stock rose the next day 2 times and fell 3, moving ±3.1% on average; after the most recent report on Jul 14, 2026 it moved -3.2%. That means options currently expect more movement than UNTY has typically delivered. UNTY beat the consensus EPS estimate in 4 of its last 5 reported quarters. Implied volatility is currently 76%. The share price of $58.14 sits in the middle of its 52-week range.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$44
$62
76% of range
Avg surprise (last 5)
+2.3%
Avg reaction (last 5)
+0.4%
40% positive
Latest IV / EM
76%
EM ±9.0% · $55 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$1.13$1.21$1.28$1.36$1.44 Actual $1.13Actual $1.20Est $1.17Actual $1.33Est $1.28Actual $1.41Est $1.35Actual $1.40Est $1.37Actual $1.42Est $1.44 MarJun/2025Sep/20258K8K8K
Revenue vs Net Income Revenue Net income
$0$4M$9M$13M$17M Mar 25Jun 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Tue Jul 14, 20268K 2026-07-14 $1.42 $1.44 -1.4% — -3.2% earnings
Tue Apr 14, 20268K 2026-04-14 $1.40 $1.37 +2.2% — -2.2% earnings
Tue Jan 13, 20268K 2026-01-13 $1.41 $1.35 +4.4% — +4.2% earnings
Tue Oct 14, 2025Sep/2025 $1.33 $1.28 +3.9% — +4.6% earnings
Tue Jul 15, 2025Jun/2025 $1.20 $1.17 +2.6% — -1.5% earnings
Mon Mar 31, 2025Mar 2025 $1.13 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$14M$14M——$16M$12M——
EPS (diluted)$1.42$1.40——$1.61$1.13——

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents————————
Inventory————————
Total current assets————————
Total assets$3.19B$3.03B$2.97B$2.88B$2.93B$2.77B$2.65B$2.64B
Long-term debt————————
Total liabilities$2.82B$2.67B$2.62B$2.54B$2.61B$2.46B$2.36B$2.35B
Total equity$372M$358M$346M$334M$320M$306M$296M$284M

Implied volatility — last 90 days

34%74%115%155%195% Jun 08 — IV 69% · EM ±9.1%Jun 09 — IV 70% · EM ±8.8%Jun 10 — IV 78% · EM ±9.3%Jun 11 — IV 85% · EM ±9.4%Jun 12 — IV 85% · EM ±8.7%Jun 15 — IV 124% · EM ±8.9%Jun 16 — IV 152% · EM ±9.0%Jun 19 — IV 44% · EM ±9.7%Jun 22 — IV 43% · EM ±9.1%Jun 23 — IV 46% · EM ±9.5%Jun 24 — IV 62% · EM ±12.4%Jun 25 — IV 49% · EM ±9.6%Jun 26 — IV 44% · EM ±8.4%Jun 29 — IV 48% · EM ±8.4%Jun 30 — IV 49% · EM ±8.5%Jul 01 — IV 51% · EM ±8.4%Jul 02 — IV 53% · EM ±8.5%Jul 03 — IV 55% · EM ±8.5%Jul 06 — IV 74% · EM ±10.3%Jul 07 — IV 82% · EM ±10.8%Jul 08 — IV 71% · EM ±8.9%Jul 09 — IV 74% · EM ±8.8%Jul 10 — IV 80% · EM ±8.8%Jul 13 — IV 117% · EM ±9.8%Jul 14 — IV 122% · EM ±8.8%Jul 15 — IV 158% · EM ±9.4%Jul 16 — IV 196% · EM ±8.2%Jul 20 — IV 42% · EM ±9.8%Jul 21 — IV 34% · EM ±8.0%Jul 22 — IV 48% · EM ±11.0%Jul 23 — IV 47% · EM ±10.5%Jul 24 — IV 43% · EM ±9.4%Jul 27 — IV 43% · EM ±8.9%Jul 28 — IV 41% · EM ±8.5%Jul 29 — IV 43% · EM ±8.5%Jul 30 — IV 43% · EM ±8.5%Jul 31 — IV 43% · EM ±8.2%Aug 03 — IV 48% · EM ±8.5%Aug 04 — IV 45% · EM ±7.8%Aug 05 — IV 50% · EM ±8.4%Aug 06 — IV 51% · EM ±8.3%Aug 07 — IV 55% · EM ±8.5%Aug 10 — IV 62% · EM ±8.6%Aug 11 — IV 62% · EM ±8.1%Aug 12 — IV 65% · EM ±8.2%Aug 13 — IV 74% · EM ±8.7%Aug 14 — IV 79% · EM ±8.7%Aug 17 — IV 98% · EM ±8.2%Aug 18 — IV 114% · EM ±8.2%Aug 24 — IV 40% · EM ±8.4%Aug 25 — IV 46% · EM ±9.4%Aug 26 — IV 48% · EM ±9.6%Aug 27 — IV 51% · EM ±9.9%Aug 28 — IV 44% · EM ±8.5%Aug 31 — IV 52% · EM ±9.1%Sep 01 — IV 66% · EM ±11.4%Sep 02 — IV 48% · EM ±8.0%Sep 03 — IV 46% · EM ±7.5%Sep 04 — IV 53% · EM ±8.3%Sep 07 — IV 60% · EM ±8.3%Sep 09 — IV 60% · EM ±7.6%Sep 10 — IV 71% · EM ±8.4%Sep 21 — IV 43% · EM ±9.0%Sep 22 — IV 44% · EM ±9.0%Sep 23 — IV 53% · EM ±10.7%Sep 24 — IV 48% · EM ±9.3%Sep 25 — IV 49% · EM ±9.4%Sep 28 — IV 52% · EM ±9.3%Sep 29 — IV 53% · EM ±9.1%Sep 30 — IV 51% · EM ±8.4%Oct 01 — IV 62% · EM ±10.1%Oct 02 — IV 60% · EM ±9.3%Oct 06 — IV 70% · EM ±9.2%Oct 07 — IV 77% · EM ±9.7%Oct 08 — IV 76% · EM ±9.0%

Sector peers

CIVB
Civista Bancshares, Inc.
$553M $28.29+5.8%
NPB
Northpointe Bancshares, Inc.
$538M $15.44+2.0%
BWB
Bridgewater Bancshares, Inc.
$564M $20.58+2.2%
SFST
Southern First Bancshares, Inc.
$567M $61.20+1.9%
BWFG
Bankwell Financial Group, Inc.
$521M $67.20+1.7%
FBIZ
First Business Financial Services, Inc.
$587M $72.43+2.2%

UNTY earnings FAQ

What is UNTY's expected move for earnings?

Options currently price a move of about ±9.0%, or $5.24 per share either way from $58.14.

How does UNTY stock usually react to earnings?

Across the last 5 reports the average next-day move was ±3.1%, up 2 times and down 3 times.

What is UNTY's implied volatility?

UNTY's at-the-money implied volatility is about 76% based on the latest options snapshot.

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