Unity Bancorp IncUNTY
Price$54.22Intrinsic value$36.3933% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $36.39median of 2 methodsbased on filings through 30 Jun 2026
Market Price $54.22Price as of 30 Sep 2026
Margin of Safety -32.9%as of 30 Sep 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 4.2% (near-term consensus, capped) · years 2–5: 10.3%/yr (balance of the path).9.1% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 610.1%Yr 79.8%Yr 89.6%Yr 99.3%Yr 109.1%
10.3% → 9.1%
Years 11–20: glide to long-run rate
Per-year rates
Yr 118.5%Yr 127.9%Yr 137.3%Yr 146.6%Yr 156.0%Yr 165.4%Yr 174.8%Yr 184.2%Yr 193.6%Yr 203.0%
9.1% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 3 windows (5/6/7y)17.6%
Discount rate (cost of equity) 8.3%
Volatility vs market (adjusted beta)0.75

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

Search any company to compare valuation, profitability, returns, growth, and financial strength side by side.

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Best in rowHigher is betterLower is better—Data not available
TargetUnity Bancorp IncUNTYFinancials
Valuation
P/E9.4×
P/S3.1×
P/B1.6×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin100.0%
Operating margin40.1%
Net margin30.8%
FCF margin14.3%
Returns
ROE15.8%
ROA1.8%
ROIC16.6%
Growth
Revenue growth (YoY)14.7%
5-yr fwd EPS growth9.1%
Financial strength
Debt / Equity0.62×
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield1.1%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.