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UNTY
Volume: 98.27K
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Unity Bancorp (UNTY) Stock Forecast & Price Target

Unity Bancorp (UNTY) Analyst Ratings

Based on 4 analyst ratings
Buy
Strong Buy 50%
Buy 50%
Hold 0%
Sell 0%
Strong Sell 0%

Bulls say

Unity Bancorp Inc demonstrates a solid financial outlook, supported by an anticipated ramp-up in SBA and residential loan sale gains through 2025 and 2026, bolstered by a strong pipeline and favorable interest rates. The company's projected net interest margin (NIM) increase to 4.38% and 4.43% for 2025 and 2026, respectively, highlights its ability to enhance net interest income (NII) by 3.4% and 1.5%, reaching projected amounts of $112.1 million and $121.4 million. Additionally, the robust improvement in tangible book value per share (TBVPS) to $29.33 and a total common equity (TCE) ratio of 11.09% reflect Unity's strong capital levels, positioning it favorably relative to its peers.

Bears say

Unity Bancorp's loan-to-deposit ratio has decreased to 107% in Q3 from 108% previously and 112% in Q4 2023, indicating a potential challenge in maintaining asset growth relative to deposit levels. Despite achieving above-peer profitability and tangible book value growth, the company's shares are trading at a valuation discount compared to its peers, suggesting concerns about future performance or investor sentiment. Additionally, risks include potential deterioration in asset quality, missed growth expectations, and modestly slowing net interest margin expansion, all of which could hinder the bank's financial stability and overall stock performance.

Unity Bancorp (UNTY) has been analyzed by 4 analysts, with a consensus rating of Buy. 50% of analysts recommend a Strong Buy, 50% recommend Buy, 0% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Unity Bancorp and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Unity Bancorp (UNTY) Forecast

Analysts have given Unity Bancorp (UNTY) a Buy based on their latest research and market trends.

According to 4 analysts, Unity Bancorp (UNTY) has a Buy consensus rating as of Jul 3, 2025. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $39.25, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $39.25, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Unity Bancorp (UNTY)

Volume: 98.27K

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