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Side-by-side financial comparison of TSS, Inc. (TSSI) and UNITY BANCORP INC (UNTY). Click either name above to swap in a different company.
TSS, Inc. is the larger business by last-quarter revenue ($60.9M vs $35.3M, roughly 1.7× UNITY BANCORP INC). UNITY BANCORP INC runs the higher net margin — 43.9% vs 20.0%, a 23.9% gap on every dollar of revenue. On growth, UNITY BANCORP INC posted the faster year-over-year revenue change (24.2% vs 21.8%). UNITY BANCORP INC produced more free cash flow last quarter ($44.3M vs $15.8M). Over the past eight quarters, TSS, Inc.'s revenue compounded faster (95.8% CAGR vs 17.5%).
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.
TSSI vs UNTY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $60.9M | $35.3M |
| Net Profit | $12.2M | $15.5M |
| Gross Margin | 17.6% | — |
| Operating Margin | 1.5% | 55.8% |
| Net Margin | 20.0% | 43.9% |
| Revenue YoY | 21.8% | 24.2% |
| Net Profit YoY | 535.7% | 34.5% |
| EPS (diluted) | $0.44 | $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 | $60.9M | $35.3M | ||
| Q3 25 | $41.9M | $32.8M | ||
| Q2 25 | $44.0M | $34.4M | ||
| Q1 25 | $99.0M | $29.4M | ||
| Q4 24 | $50.0M | $28.4M | ||
| Q3 24 | $70.1M | $27.7M | ||
| Q2 24 | $12.2M | $25.5M | ||
| Q1 24 | $15.9M | $25.6M |
| Q4 25 | $12.2M | $15.5M | ||
| Q3 25 | $-1.5M | $14.4M | ||
| Q2 25 | $1.5M | $16.5M | ||
| Q1 25 | $3.0M | $11.6M | ||
| Q4 24 | $1.9M | $11.5M | ||
| Q3 24 | $2.6M | $10.9M | ||
| Q2 24 | $1.4M | $9.5M | ||
| Q1 24 | $15.0K | $9.6M |
| Q4 25 | 17.6% | — | ||
| Q3 25 | 11.1% | — | ||
| Q2 25 | 17.8% | — | ||
| Q1 25 | 9.3% | — | ||
| Q4 24 | 14.4% | — | ||
| Q3 24 | 11.3% | — | ||
| Q2 24 | 37.3% | — | ||
| Q1 24 | 17.1% | — |
| Q4 25 | 1.5% | 55.8% | ||
| Q3 25 | -2.2% | 57.5% | ||
| Q2 25 | 5.1% | 62.6% | ||
| Q1 25 | 4.2% | 52.6% | ||
| Q4 24 | 0.0% | 51.0% | ||
| Q3 24 | 5.4% | 52.7% | ||
| Q2 24 | 14.0% | 49.3% | ||
| Q1 24 | 1.6% | 50.0% |
| Q4 25 | 20.0% | 43.9% | ||
| Q3 25 | -3.6% | 43.8% | ||
| Q2 25 | 3.4% | 48.0% | ||
| Q1 25 | 3.0% | 39.5% | ||
| Q4 24 | 3.8% | 40.5% | ||
| Q3 24 | 3.8% | 39.4% | ||
| Q2 24 | 11.5% | 37.1% | ||
| Q1 24 | 0.1% | 37.5% |
| Q4 25 | $0.44 | $1.52 | ||
| Q3 25 | $-0.06 | $1.41 | ||
| Q2 25 | $0.06 | $1.61 | ||
| Q1 25 | $0.12 | $1.13 | ||
| Q4 24 | $0.08 | $1.13 | ||
| Q3 24 | $0.10 | $1.07 | ||
| Q2 24 | $0.06 | $0.92 | ||
| Q1 24 | $0.00 | $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 | $85.5M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $76.6M | $345.6M |
| Total Assets | $184.9M | $3.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $85.5M | — | ||
| Q3 25 | $70.7M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $23.2M | — | ||
| Q3 24 | $46.4M | — | ||
| Q2 24 | $8.3M | — | ||
| Q1 24 | $14.4M | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $230.8M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $76.6M | $345.6M | ||
| Q3 25 | $63.4M | $334.0M | ||
| Q2 25 | $9.5M | $319.8M | ||
| Q1 25 | $9.4M | $306.1M | ||
| Q4 24 | $7.1M | $295.6M | ||
| Q3 24 | $7.7M | $284.3M | ||
| Q2 24 | $5.2M | $273.4M | ||
| Q1 24 | $3.7M | $266.8M |
| Q4 25 | $184.9M | $3.0B | ||
| Q3 25 | $165.4M | $2.9B | ||
| Q2 25 | $139.5M | $2.9B | ||
| Q1 25 | $113.5M | $2.8B | ||
| Q4 24 | $96.6M | $2.7B | ||
| Q3 24 | $67.3M | $2.6B | ||
| Q2 24 | $28.9M | $2.6B | ||
| Q1 24 | $26.8M | $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 | $16.3M | $44.9M |
| Free Cash FlowOCF − Capex | $15.8M | $44.3M |
| FCF MarginFCF / Revenue | 25.9% | 125.7% |
| Capex IntensityCapex / Revenue | 0.9% | 1.6% |
| Cash ConversionOCF / Net Profit | 1.34× | 2.90× |
| TTM Free Cash FlowTrailing 4 quarters | $2.1M | $81.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $16.3M | $44.9M | ||
| Q3 25 | $-18.4M | $45.5M | ||
| Q2 25 | $16.3M | $-25.3M | ||
| Q1 25 | $20.6M | $17.9M | ||
| Q4 24 | $-21.6M | $48.0M | ||
| Q3 24 | $38.6M | $17.7M | ||
| Q2 24 | $-4.3M | $-8.4M | ||
| Q1 24 | $2.6M | $15.8M |
| Q4 25 | $15.8M | $44.3M | ||
| Q3 25 | $-24.9M | $45.3M | ||
| Q2 25 | $5.4M | $-25.5M | ||
| Q1 25 | $5.8M | $17.6M | ||
| Q4 24 | $-28.4M | $47.3M | ||
| Q3 24 | $38.6M | $17.5M | ||
| Q2 24 | $-6.0M | $-8.6M | ||
| Q1 24 | $2.6M | $15.7M |
| Q4 25 | 25.9% | 125.7% | ||
| Q3 25 | -59.3% | 138.1% | ||
| Q2 25 | 12.3% | -74.2% | ||
| Q1 25 | 5.8% | 59.9% | ||
| Q4 24 | -56.7% | 166.5% | ||
| Q3 24 | 55.1% | 63.3% | ||
| Q2 24 | -49.4% | -33.7% | ||
| Q1 24 | 16.4% | 61.4% |
| Q4 25 | 0.9% | 1.6% | ||
| Q3 25 | 15.3% | 0.7% | ||
| Q2 25 | 24.8% | 0.5% | ||
| Q1 25 | 15.0% | 1.0% | ||
| Q4 24 | 13.4% | 2.4% | ||
| Q3 24 | 0.1% | 0.5% | ||
| Q2 24 | 13.8% | 0.5% | ||
| Q1 24 | 0.2% | 0.3% |
| Q4 25 | 1.34× | 2.90× | ||
| Q3 25 | — | 3.16× | ||
| Q2 25 | 11.02× | -1.54× | ||
| Q1 25 | 6.93× | 1.54× | ||
| Q4 24 | -11.32× | 4.17× | ||
| Q3 24 | 14.60× | 1.62× | ||
| Q2 24 | -3.09× | -0.89× | ||
| Q1 24 | 176.40× | 1.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
TSSI
| Procurement Revenues Segment | $43.2M | 71% |
| System Integration Services Segment | $14.2M | 23% |
| Facilities Segment | $3.5M | 6% |
UNTY
Segment breakdown not available.
