UNITY BANCORP INCUNTYEarnings & Financial Report
Unity Bancorp Inc is a New Jersey-headquartered financial holding company operating Unity Bank. It offers a full range of commercial and retail banking services including business loans, deposit products, mortgage services, and personal banking solutions, primarily serving small and medium-sized enterprises and individual consumers across local communities in New Jersey and eastern Pennsylvania.
UNTY Q4 FY2025 Key Financial Metrics
Revenue
$35.3M
Gross Profit
N/A
Operating Profit
$19.7M
Net Profit
$15.5M
Gross Margin
N/A
Operating Margin
55.8%
Net Margin
43.9%
YoY Growth
24.2%
EPS
$1.52
UNITY BANCORP INC Q4 FY2025 Financial Summary
UNITY BANCORP INC reported revenue of $35.3M (up 24.2% YoY) for Q4 FY2025, with a net profit of $15.5M (up 34.5% YoY) (43.9% margin).
Key Financial Metrics
| Total Revenue | $35.3M |
|---|---|
| Net Profit | $15.5M |
| Gross Margin | N/A |
| Operating Margin | 55.8% |
| Report Period | Q4 FY2025 |
UNITY BANCORP INC Annual Revenue by Year
UNITY BANCORP INC annual revenue history includes year-by-year totals (for example, 2025 revenue was $131.8M).
UNITY BANCORP INC Quarterly Revenue & Net Profit History
UNITY BANCORP INC results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $35.3M | +24.2% | $15.5M | 43.9% |
| Q3 FY2025 | $32.8M | +18.7% | $14.4M | 43.8% |
| Q2 FY2025 | $34.4M | +35.0% | $16.5M | 48.0% |
| Q1 FY2025 | $29.4M | +14.8% | $11.6M | 39.5% |
| Q4 FY2024 | $28.4M | +6.8% | $11.5M | 40.5% |
| Q3 FY2024 | $27.7M | +8.1% | $10.9M | 39.4% |
| Q2 FY2024 | $25.5M | -0.7% | $9.5M | 37.1% |
| Q1 FY2024 | $25.6M | +0.9% | $9.6M | 37.5% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $25.6M | $25.5M | $27.7M | $28.4M | $29.4M | $34.4M | $32.8M | $35.3M |
| YoY Growth | 0.9% | -0.7% | 8.1% | 6.8% | 14.8% | 35.0% | 18.7% | 24.2% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $2.57B | $2.60B | $2.64B | $2.65B | $2.77B | $2.93B | $2.88B | $2.97B |
| Liabilities | $2.30B | $2.32B | $2.35B | $2.36B | $2.46B | $2.61B | $2.54B | $2.62B |
| Equity | $266.8M | $273.4M | $284.3M | $295.6M | $306.1M | $319.8M | $334.0M | $345.6M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $15.8M | $-8.4M | $17.7M | $48.0M | $17.9M | $-25.3M | $45.5M | $44.9M |