COMP <GO>
UNTY vs SFST // EV/EBITDA & P/E VALUATION
Unity Bancorp Inc. (NASDAQ) VS. Southern First Bancshares Inc. (NASDAQ) • 15-METRIC TALLY: UNTY 6
— SFST 1
■ METRIC PARITY
LAST: $58.10 (+0.64%) • MKT CAP: $583.5M
valuation
—
LAST: $60.87 (-0.18%) • MKT CAP: $576.5M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UNTY VS. SFST)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UNTY | SFST | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 16.80% | 8.20% | +8.60 | UNTY | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.60% | 5.18% | +2.42 | UNTY | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.96% | 0.00% | +0.96 | UNTY | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | SFST | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 52.6 | 42.8 | +9.82 | UNTY | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.4x | 17.7x | -8.30 | UNTY | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $583.5M | $576.5M | $6.9M | UNTY | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UNTY REV | SFST REV | UNTY GROSS % | SFST GROSS % | UNTY FCF | SFST FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $44.3M | $29.9M |
| FY 2024 | $0 | $0 | — | — | $47.3M | $24.8M |
| FY 2023 | $0 | $0 | — | — | $46.9M | $17.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UNTY // BETA —
SFST // BETA —