Stock Ratings / Financials / UNTY / dividends

SFST (63) CIVB (70) BWB (53) BSVN (70) ⌘ Pro Terminal →

Unity Bancorp Inc. (UNTY) Dividend Safety Gauge & 10-Year DRIP Compounder

$58.10 +0.64% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Unity Bancorp Inc. (UNTY) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $583.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for UNTY)Realized 20D OHLCV Swing Band: ±4.8%

CASH DIVIDEND + BUYBACK YIELD

2.76% Total Yield

0.96% Cash ($0.56/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

14% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (7.7% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $20,997

Est. Year-10 Shareholder Yield: $580/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.8K

Yr 1

$11.6K

Yr 2

$12.5K

Yr 3

$13.5K

Yr 4

$14.5K

Yr 5

$15.6K

Yr 6

$16.8K

Yr 7

$18.1K

Yr 8

$19.5K

Yr 9

$21.0K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in UNTY & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on UNTY and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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UNTY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +11.13%📐 HORIZONTAL RANGE

2026-10-30O $58.45H $58.45L $57.10C $58.10VOL 30.3K

RES: $65.10SUP: $53.32SMA50: $57.30SMA200: $55.48

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

UNTY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 UNTY Butterfly Map → + Track UNTY →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-1.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on UNTY today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for UNTY. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for UNTY today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (UNTY)

Financials Rank #254 of 1096 ⚔️ SFST vs UNTY Full Matrix →

1. Head-to-Head Financials Peer Comparison (UNTY vs. SFST, CIVB, BWB, BSVN)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Unity Bancorp Inc. (UNTY) ranks #254 by composite RQD confidence (67/100, grade C+) and #671 by equity capitalization ($583.5M). Within this direct 5-issuer industry benchmark cohort, UNTY leads on earnings valuation at 10.1x trailing P/E, while BSVN leads on capital efficiency and profitability with 17.2% ROIC and — gross margin. CIVB currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with UNTY at 67/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
UNTY ACTIVE Unity Bancorp Inc.	C+	67/100	10.1x	—	16.8%	+0.64%	$583.5M	Benchmark Subject
SFST Southern First Bancshares Inc.	C	63/100	19.0x	—	8.2%	-0.18%	$576.5M	/sfst-vs-unty →
CIVB Civista Bancshares Inc.	B-	70/100	12.8x	—	8.5%	+1.03%	$592.0M	/civb-vs-unty →
BWB Bridgewater Bancshares Inc.	D+	53/100	12.3x	—	8.9%	-0.24%	$567.2M	/bwb-vs-unty →
BSVN Bank7 Corp.	B-	70/100	13.1x	—	17.2%	+0.46%	$564.9M	/bsvn-vs-unty →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000920427

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Unity Bancorp Inc. (UNTY) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $58.0M, operating cash flow of $44.9M, and free cash flow of $44.3M (-6.2% YoY). On the balance sheet, UNTY closed FY2025 with $2.97B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$58.0M	$44.9M	$44.3M	$2.97B	—
FY2024 (FY)	2024-12-31	$0	$41.5M	$48.0M	$47.3M	$2.65B	—
FY2023 (FY)	2023-12-31	$0	$39.7M	$46.9M	$46.9M	—	—

3. UNTY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is UNTY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Unity Bancorp Inc. (NASDAQ: UNTY) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $58.10 (+0.64% 1D, market cap $583.5M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, UNTY ranks #254 in composite RQD confidence.

How does UNTY compare to SFST and CIVB in the Financials sector?

Within the Financials sector (Major Banks), UNTY carries a Roarable C+ (67/100 RQD), trailing P/E of 10.1x, gross margin of —, and ROIC of 16.8%. By comparison, SFST (Southern First Bancshares Inc.) holds a C grade (63/100 RQD, P/E 19.0x, ROIC 8.2%, cap $576.5M) and CIVB (Civista Bancshares Inc.) posts a B- grade (70/100 RQD, P/E 12.8x, ROIC 8.5%, cap $592.0M). Among the 5-stock peer group, UNTY leads on earnings multiple (10.1x) while BSVN leads on capital efficiency (17.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for UNTY?

Per UNTY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000920427), Unity Bancorp Inc. generated $0 in revenue, $58.0M in net income, and $44.3M in free cash flow against $2.97B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is UNTY trading relative to its 50-day, 200-day, and 52-week technical levels?

UNTY last traded at $58.10 (+0.64% on volume of 35,697 shares), positioning the stock +1.40% above its 50-day simple moving average ($57.30) and +4.72% above its 200-day simple moving average ($55.48). Across its 52-week range of $44.50 to $62.50, UNTY sits at the 75.6% percentile with a 14-day RSI of 52.6 (NEUTRAL RANGE) and an implied next-earnings move of ±4.8% ($55.31 to $60.89).

UNTY Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does UNTY pay a dividend and is it safe?

Unity Bancorp Inc. (UNTY) offers a 0.96% cash dividend yield ($0.56 annualized) and 2.76% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: UNTY RQD Cockpit UNTY 12M Forecast UNTY Earnings & Move UNTY Dividends & DRIP UNTY Insiders & 13F UNTY Whale Options UNTY Profit Sankey UNTY News & Why