Unity Bancorp (UNTY) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Unity Bancorp had a P/E ratio of 8.96 (down from 10.51), return on equity of 18.1% (up from 14.9%), debt-to-equity of 0.78 (down from 0.80) and return on assets of 2.1% (up from 1.6%). Its dividend yield was 1.13% with a payout ratio of 9.7%.

Unity Bancorp Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	8.96	10.51	7.50	7.49	7.54	7.84
Forward P/E	9.36	9.90	8.53	6.91	8.45	7.53
P/S Ratio	4.06	4.22	2.98	3.07	3.06	2.63
P/B Ratio	1.50	1.47	1.14	1.21	1.32	1.07
Price/Tangible Book	1.51	1.48	1.15	1.21	1.33	1.08
Price/FCF	11.71	9.21	6.48	7.00	8.71	8.52
Price/OCF	11.56	9.07	6.34	6.75	8.37	8.31
PEG Ratio	1.02	1.02	1.02	1.02	-	-
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	18.08%	14.88%	15.86%	17.29%	19.03%	14.13%
Return on Assets (ROA)	2.06%	1.58%	1.58%	1.72%	1.81%	1.29%
Leverage & Solvency Ratios
Debt/Equity	0.78	0.80	1.42	1.67	0.27	1.23
Debt/FCF	6.11	4.98	8.10	9.69	1.78	9.82
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	11.16%	9.52%	13.34%	13.34%	13.26%	12.75%
FCF Yield	8.54%	10.86%	15.44%	14.29%	11.49%	11.74%
Dividend Yield	1.13%	1.22%	1.69%	1.67%	1.47%	1.97%
Payout Ratio	9.68%	12.11%	11.89%	11.37%	10.01%	13.95%
Buyback Yield	-0.21%	1.32%	3.43%	-1.51%	2.48%	1.95%
Total Return	0.93%	2.53%	5.11%	0.16%	3.95%	3.92%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Unity Bancorp Financial Ratios

What is Unity Bancorp's P/E ratio?

Unity Bancorp's P/E ratio was 8.96 for fiscal 2025 (period ended Dec 31, 2025). It was 10.51 a year earlier.

What is Unity Bancorp's return on equity?

Unity Bancorp's return on equity (ROE) was 18.1% for fiscal 2025 (period ended Dec 31, 2025). It was 14.9% a year earlier.

What is Unity Bancorp's debt-to-equity ratio?

Unity Bancorp's debt-to-equity ratio was 0.78 for fiscal 2025 (period ended Dec 31, 2025). It was 0.80 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition