Unity Bancorp, Inc. cash flow to debt ratio of 16.88% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Unity Bancorp, Inc.'s free cash flow has decreased 6.24% from $47.29M last year to $44.34M, signaling decreasing performance

Unity Bancorp, Inc.'s debt to equity ratio is 0.88, which means that the company's assets are unhealthy financed, signaling financial risk.

Unity Bancorp, Inc.'s debt has increased relative to shareholder equity from 0.78 last year to 0.88 today, signaling weakened financials

Unity Bancorp, Inc. has a net cash position, so leverage is healthy.

Unity Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Unity Bancorp, Inc.'s profit margin has increased (10.13%) in the last year from 25.42% to 27.99%, signaling increasing performance

Unity Bancorp, Inc.'s short-term liabilities of $2.35B exceed its short-term assets of $377.77M, signaling financial risk

Unity Bancorp, Inc.'s return on assets of 1.84% is lower than the 5.00% threshold, indicating inefficient asset utilization

Unity Bancorp, Inc.'s return on equity of 16.64%, is higher than 15.00%, indicating good performance

Unity Bancorp, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Unity Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Unity Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Unity Bancorp, Inc. has a free cash flow yield of 7.42%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Unity Bancorp, Inc.'s yearly earnings has increased 39.81% since last year from $41.45M to $57.95M, signaling increasing performance

Unity Bancorp, Inc.'s yearly revenue has increased 6.48% since last year from $163.07M to $173.63M, signaling increasing performance

ROIC 8.11% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

Unity Bancorp, Inc.'s 3-year revenue CAGR of 20.28% is positive, indicating growing revenue over the past 3 years

Unity Bancorp, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Unity Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Unity Bancorp, Inc. is undervalued relative to its fair value price of 73.45 based on Discounted Cash Flow model

Unity Bancorp, Inc. has an earnings yield of 9.83%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Unity Bancorp, Inc. is overvalued relative to its fair value price of 47.71 based on EBITDA multiple model

Unity Bancorp, Inc. has an EV/EBITDA ratio of 6.68x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Unity Bancorp, Inc. is undervalued relative to its fair value price of 135.81 based on Earnings Fair Value model

Unity Bancorp, Inc. has a PEG-ratio under 1 which is considered undervalued

Unity Bancorp, Inc. has a price-to-book ratio of 1.60x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Unity Bancorp, Inc. has a price-to-sales ratio of 2.85x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue