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Side-by-side financial comparison of STEM, INC. (STEM) and UNITY BANCORP INC (UNTY). Click either name above to swap in a different company.
STEM, INC. is the larger business by last-quarter revenue ($47.1M vs $35.3M, roughly 1.3× UNITY BANCORP INC). UNITY BANCORP INC runs the higher net margin — 43.9% vs -33.9%, a 77.8% gap on every dollar of revenue. On growth, UNITY BANCORP INC posted the faster year-over-year revenue change (24.2% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% CAGR vs 17.5%).
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
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.
STEM vs UNTY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.1M | $35.3M |
| Net Profit | $-16.0M | $15.5M |
| Gross Margin | 48.9% | — |
| Operating Margin | -17.7% | 55.8% |
| Net Margin | -33.9% | 43.9% |
| Revenue YoY | -15.6% | 24.2% |
| Net Profit YoY | 68.8% | 34.5% |
| EPS (diluted) | $-4.40 | $1.52 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $47.1M | $35.3M | ||
| Q3 25 | $38.2M | $32.8M | ||
| Q2 25 | $38.4M | $34.4M | ||
| Q1 25 | $32.5M | $29.4M | ||
| Q4 24 | $55.8M | $28.4M | ||
| Q3 24 | $29.3M | $27.7M | ||
| Q2 24 | $34.0M | $25.5M | ||
| Q1 24 | $25.5M | $25.6M |
| Q4 25 | $-16.0M | $15.5M | ||
| Q3 25 | $-23.8M | $14.4M | ||
| Q2 25 | $202.5M | $16.5M | ||
| Q1 25 | $-25.0M | $11.6M | ||
| Q4 24 | $-51.1M | $11.5M | ||
| Q3 24 | $-148.3M | $10.9M | ||
| Q2 24 | $-582.3M | $9.5M | ||
| Q1 24 | $-72.3M | $9.6M |
| Q4 25 | 48.9% | — | ||
| Q3 25 | 35.5% | — | ||
| Q2 25 | 33.4% | — | ||
| Q1 25 | 32.4% | — | ||
| Q4 24 | -4.4% | — | ||
| Q3 24 | 21.2% | — | ||
| Q2 24 | 27.6% | — | ||
| Q1 24 | -95.0% | — |
| Q4 25 | -17.7% | 55.8% | ||
| Q3 25 | -33.6% | 57.5% | ||
| Q2 25 | -34.8% | 62.6% | ||
| Q1 25 | -65.0% | 52.6% | ||
| Q4 24 | -84.4% | 51.0% | ||
| Q3 24 | -493.2% | 52.7% | ||
| Q2 24 | -1705.5% | 49.3% | ||
| Q1 24 | -267.0% | 50.0% |
| Q4 25 | -33.9% | 43.9% | ||
| Q3 25 | -62.2% | 43.8% | ||
| Q2 25 | 527.8% | 48.0% | ||
| Q1 25 | -76.9% | 39.5% | ||
| Q4 24 | -91.6% | 40.5% | ||
| Q3 24 | -506.3% | 39.4% | ||
| Q2 24 | -1712.6% | 37.1% | ||
| Q1 24 | -283.9% | 37.5% |
| Q4 25 | $-4.40 | $1.52 | ||
| Q3 25 | $-2.84 | $1.41 | ||
| Q2 25 | $-1.79 | $1.61 | ||
| Q1 25 | $-0.15 | $1.13 | ||
| Q4 24 | $-15.29 | $1.13 | ||
| Q3 24 | $-18.24 | $1.07 | ||
| Q2 24 | $-71.81 | $0.92 | ||
| Q1 24 | $-0.46 | $0.94 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $48.9M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $-249.4M | $345.6M |
| Total Assets | $308.9M | $3.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $48.9M | — | ||
| Q3 25 | $43.1M | — | ||
| Q2 25 | $40.8M | — | ||
| Q1 25 | $58.6M | — | ||
| Q4 24 | $56.3M | — | ||
| Q3 24 | $75.4M | — | ||
| Q2 24 | $89.6M | — | ||
| Q1 24 | $112.8M | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $230.8M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $-249.4M | $345.6M | ||
| Q3 25 | $-235.7M | $334.0M | ||
| Q2 25 | $-214.1M | $319.8M | ||
| Q1 25 | $-417.5M | $306.1M | ||
| Q4 24 | $-398.4M | $295.6M | ||
| Q3 24 | $-344.1M | $284.3M | ||
| Q2 24 | $-203.2M | $273.4M | ||
| Q1 24 | $371.6M | $266.8M |
| Q4 25 | $308.9M | $3.0B | ||
| Q3 25 | $362.6M | $2.9B | ||
| Q2 25 | $379.2M | $2.9B | ||
| Q1 25 | $405.1M | $2.8B | ||
| Q4 24 | $437.4M | $2.7B | ||
| Q3 24 | $537.8M | $2.6B | ||
| Q2 24 | $691.5M | $2.6B | ||
| Q1 24 | $1.3B | $2.6B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.78× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $8.2M | $44.9M |
| Free Cash FlowOCF − Capex | — | $44.3M |
| FCF MarginFCF / Revenue | — | 125.7% |
| Capex IntensityCapex / Revenue | — | 1.6% |
| Cash ConversionOCF / Net Profit | — | 2.90× |
| TTM Free Cash FlowTrailing 4 quarters | — | $81.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.2M | $44.9M | ||
| Q3 25 | $11.4M | $45.5M | ||
| Q2 25 | $-21.3M | $-25.3M | ||
| Q1 25 | $8.5M | $17.9M | ||
| Q4 24 | $-14.7M | $48.0M | ||
| Q3 24 | $-9.4M | $17.7M | ||
| Q2 24 | $-11.9M | $-8.4M | ||
| Q1 24 | $-621.0K | $15.8M |
| Q4 25 | — | $44.3M | ||
| Q3 25 | — | $45.3M | ||
| Q2 25 | — | $-25.5M | ||
| Q1 25 | — | $17.6M | ||
| Q4 24 | — | $47.3M | ||
| Q3 24 | — | $17.5M | ||
| Q2 24 | — | $-8.6M | ||
| Q1 24 | — | $15.7M |
| Q4 25 | — | 125.7% | ||
| Q3 25 | — | 138.1% | ||
| Q2 25 | — | -74.2% | ||
| Q1 25 | — | 59.9% | ||
| Q4 24 | — | 166.5% | ||
| Q3 24 | — | 63.3% | ||
| Q2 24 | — | -33.7% | ||
| Q1 24 | — | 61.4% |
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.5% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 2.4% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.3% |
| Q4 25 | — | 2.90× | ||
| Q3 25 | — | 3.16× | ||
| Q2 25 | -0.11× | -1.54× | ||
| Q1 25 | — | 1.54× | ||
| Q4 24 | — | 4.17× | ||
| Q3 24 | — | 1.62× | ||
| Q2 24 | — | -0.89× | ||
| Q1 24 | — | 1.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
