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UNTYUnity Bancorp, Inc.Hold6.2·$58.12-1.82%
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Unity Bancorp, Inc. (UNTY) Stock Analysis

Breakout setup · Catalyst-Driven edge

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $58.12, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.5% away).

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, retirement, money market accounts, as well as time and noninterest and interest-bearing... Read more

$58.12+2.6% A.UpsideScore 6.2/10#60 of 225 Banks - Regional
QualityF-score6 / 9FCF yield
IncomeYield1.07%(5y avg 1.45%)Payout10.10%sustainable
Stop $54.98Target $59.64(resistance)A.R:R -0.5:1
Analyst target$65.50+12.7%4 analysts
$59.64our TP
$58.12price
$65.50mean
$68

Hold if already holding. Not a fresh buy at $58.12, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.5% away). Chart setup: Golden cross, above all MAs, RSI 62, MACD bullish. Maintain position. Not compelling to add more. Score 6.2/10, moderate confidence.

Passes 6/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Tue, Jul 14, 202610d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Margin of safety: 35%
Risks
Analyst target reached - limited upside remaining
Near 52-week high (4.5% away)

Key Metrics

P/E (TTM)9.8
P/E (Fwd)9.2
Mkt Cap$584M
EV/EBITDA
Profit Mgn45.8%
ROE18.3%
Rev Growth16.1%
Beta0.63
Dividend1.07%
Rating analysts10

Quality Signals

Piotroski F6/9MoatNarrow

Options Flow

P/C0.82neutral
IV84%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R -0.5=NEGATIVEMomentum 5.2<5.5 (soft — BUY_NOW allowed but watch)EARNINGS PROXIMITY 10d<=14d (soft)Momentum 5.2>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
62 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $52.98Resistance $60.86

Price Targets

$55
$60
A.Upside+2.6%
A.R:R-0.5:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-4.2% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-14 (10d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is UNTY stock a buy right now?

Hold if already holding. Not a fresh buy at $58.12, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.5% away). Chart setup: Golden cross, above all MAs, RSI 62, MACD bullish. Maintain position. Not compelling to add more. Target $59.64 (+2.6%), stop $54.98 (−5.7%), A.R:R -0.5:1. Score 6.2/10, moderate confidence.

What is the UNTY stock price target?

Take-profit target: $59.64 (+2.6% upside). Target $59.64 (+2.6%), stop $54.98 (−5.7%), A.R:R -0.5:1. Stop-loss: $54.98.

What are the risks of investing in UNTY?

Analyst target reached - limited upside remaining; Near 52-week high (4.5% away).

Is UNTY overvalued or undervalued?

Unity Bancorp, Inc. trades at a P/E of 9.8 (forward 9.2). TrendMatrix value score: 7.9/10. Verdict: Hold.

What do analysts say about UNTY?

10 analysts cover UNTY with a consensus score of 4.1/5. Average price target: $66.

What does Unity Bancorp, Inc. do?Unity Bancorp, Inc. operates as the bank holding company for Unity Bank that provides commercial and retail banking...

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, retirement, money market 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 real estate, 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.

Related stocks: NBN (Northeast Bank) · BWFG (Bankwell Financial Group, Inc.) · NPB (Northpointe Bancshares, Inc.) · CUBI (Customers Bancorp, Inc) · COFS (ChoiceOne Financial Services, I)
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