UNTY:NASDAQUnity Bancorp, Inc. Analysis
Data as of 2026-09-01 - not real-time
$58.03
Latest Price
5/10Risk
Risk Level: Medium
Executive Summary
The moving-average structure behind Unity Bancorp, Inc. is bullish at $58.03, with short-term averages leading the long-term ones. Over a rolling month the price has gained 1.4%. With RSI at 42.0 the momentum picture is neutral, alongside a bearish MACD signal. Recent trading has carved out support near $57.70 and resistance around $62.50.
Multiples put this in undervalued territory: 10.1 times earnings against the sector's 16.9. Consensus targets land 18.1% above where the shares trade now. Revenue is contracting at 5.7% on a 44.9% profit margin. The 1.17% dividend yield looks covered by current payout levels.
On a 1-10 scale the risk profile lands at 5 — moderate. With 30-day volatility of 15.2%, a beta of 0.53 and a maximum drawdown of 15.9%, position sizing matters here. The wider market backdrop reads extreme greed at 95 on the fear-greed composite.
All three time horizons resolve to buy, carrying 6/10 conviction.
Multiples put this in undervalued territory: 10.1 times earnings against the sector's 16.9. Consensus targets land 18.1% above where the shares trade now. Revenue is contracting at 5.7% on a 44.9% profit margin. The 1.17% dividend yield looks covered by current payout levels.
On a 1-10 scale the risk profile lands at 5 — moderate. With 30-day volatility of 15.2%, a beta of 0.53 and a maximum drawdown of 15.9%, position sizing matters here. The wider market backdrop reads extreme greed at 95 on the fear-greed composite.
All three time horizons resolve to buy, carrying 6/10 conviction.
Top Market Events
Partnership expands access to capital for small businesses across New JerseyCLINTON, N.Partnership expands access to capital for small businesses across New JerseyNJBIZ20yUnity Bancorp Declares Cash DividendUnity Bancorp Nasdaq: UNTY , parent company of Unity Bank, announced that...
Market Outlook
Short Term
< 1 yearPositive
Model confidence: 6/10
Key Factors
- Short-term moving averages stacked above long-term ones
- Trading above the 200-day average of 54.32
- MACD momentum is negative
Medium Term
1–3 yearsPositive
Model confidence: 6/10
Key Factors
- Short-term moving averages stacked above long-term ones
- P/E of 10.1 versus sector average of 16.9
- Trading above the 200-day average of 54.32
Long Term
> 3 yearsPositive
Model confidence: 6/10
Key Factors
- P/E of 10.1 versus sector average of 16.9
- Analyst targets imply +18.1% versus the current price
- Profit margin of 44.9% is healthy
Key Metrics & Analysis
Financial Health
Revenue Growth-5.70%
Profit Margin44.95%
P/E Ratio10.1
ROE16.95%
ROA1.92%
P/B Ratio1.6
Op. Cash Flow$27.6M
Industry P/E16.9
Technical Analysis
TrendBullish
RSI42.0
Support$57.70
Resistance$62.50
MA 20$59.77
MA 50$58.43
MA 200$54.32
MACDBearish
VolumeStable
Fear & Greed Index94.79
Valuation
Fair Value$16.55
Target Price$68.55
Upside/Downside18.13%
GradeUndervalued
TypeValue
Dividend Yield1.17%
Risk Assessment
Beta0.53
Volatility15.20%
Sector RiskMedium
Reg. RiskHigh
Geo RiskLow
Currency RiskLow
Liquidity RiskMedium
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.