Fairvalue-Calculator Fairvalue-Calculator
EN DE

Unity Bancorp, Inc (UNTY) Fair Value & Analysis

Financial Services · US · Market cap $584M

Price$58.14
Fair Value$75.03
Upside+29.1%
Quality95/100
Evidence: High Range $56.27 – $93.79

Fair value as of: Jun 25, 2026

Analysis

Unity Bancorp, Inc (UNTY) currently trades at $58.14, while our model-based Fair Value estimate is $75.03 — implying the stock looks roughly 29.1% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Unity Bancorp, Inc. operates as the bank holding company for Unity Bank that provides commercial and retail banking services. It offers personal and business checking, money market, savings, retirement, money market accounts, as well as time and noninterest and interest-bearing demand deposits. The company also provides commercial, small business administration, consumer, mortgage, and home equity and personal loans; and owner and non-owner-occupied commercial mortgages. In addition, it is involved in the residential construction, commercial, and industrial lending activities secured by business assets, including real estate, receivables, inventory, and equipment. Further, the company offers credit and debit cards, wire transfers, safe deposit boxes, automated teller, and internet and mobile banking services; automated clearing house origination and remote deposit capture services; and business services, such as escrow account, merchant, and online services. Unity Bancorp, Inc. was …

Open the full interactive analysis →

Similar stocks

State Bank of India (SBID) +79% HDFC Bank Limited (HDFCBANK) +77% ICICI Bank Limited (ICICIBANK) +7% PT Bank Central Asia Tbk (BBCA) -1% KB Financial Group (105560) +31% PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) +100%

Frequently asked questions

Is Unity Bancorp, Inc (UNTY) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $75.03 versus a price of $58.14 — about +29% (undervalued). Model-based estimate, not financial advice.
What is the fair value of UNTY?
Our 21-model fair value for Unity Bancorp, Inc is $75.03 (as of Jun 25, 2026), built from audited fundamentals. The current price is $58.14.
What is the quality score of UNTY?
Unity Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.