Stock Ratings / Financials / UNTY / insiders

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

Unity Bancorp Inc. (UNTY) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$58.10 +0.64% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $58.06

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.

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY) →

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

EXT / AFTER-HRS: $58.06 (-0.07%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 1.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (67/100 Composite)

🔍 WHY UNTY SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+16/20 pts (24% of score)

FRED Regime × Technicals: 76% of 52W Range • RSI-14 at 52.6 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 0% operating margin leave 10 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$54.33+3.8% Next Q

Q2 (-2Q)

Grade C+$56.40+3.1% Next Q

Q3 (-1Q)

Grade C+$58.14-0.1% Next Q

Current

Grade C+$58.10+1.6% Hist 90D α

Trajectory: C (59) → C+ (67)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the UNTY Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, UNTY faces multiple-compression risk if 10.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($57.30) or 200D SMA ($55.48) invalidates the momentum regime and cuts Target Base ($60.45) toward Bear Floor ($47.15).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $UNTY• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “UNTY Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 67%NO 33%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

UNTY Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (UNTY)

No recent open-market Form 4 cluster sales or emergency dumps flagged on UNTY. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (UNTY Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

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

Are UNTY insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies UNTY leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

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