The Tip Desk

UNITY BANCORP INC /NJ/

Company Stats

Market Cap
$544.5M
as of Sep 30, 2026
Shares Outstanding
10.0M
Free Float
66.8%

Income Statement

Net Income
$58.0M

Cash Flow

Free Cash Flow
$44.3M
FCF Yield
8.1%
Owner FCF Yield
7.8%

Balance Sheet

Total Debt
$266.1M

Returns & Capital

Dividends Paid
$5.6M
Dividend Yield
1.0%
Dividend Payout, 3Y Avg
11.2%
Share Repurchases
$5.0M
Buyback Yield, 3Y Avg
1.6%
SBC, 3Y Avg
$1.9M

Cash Flow by Year

YearRevenueFCFMargin
FY2025—$44.3M—
FY2024—$47.3M—
FY2023—$46.0M—
FY2022—$41.2M—
FY2021—$31.3M—

Annual filing data through FY ended December 31, 2025; shares and float as of October 9, 2026. Yields and enterprise value use the calculated market cap above, at its as-of date. Ratios are our calculations from reported figures.

Earnings

Other Coverage