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Side-by-side financial comparison of UNITY BANCORP INC (UNTY) and Americas Gold & Silver Corp (USAS). Click either name above to swap in a different company.
UNITY BANCORP INC is the larger business by last-quarter revenue ($35.3M vs $19.1M, roughly 1.8× Americas Gold & Silver Corp). UNITY BANCORP INC runs the higher net margin — 43.9% vs -82.3%, a 126.2% gap on every dollar of revenue. On growth, UNITY BANCORP INC posted the faster year-over-year revenue change (24.2% vs -28.0%). UNITY BANCORP INC produced more free cash flow last quarter ($44.3M vs $-41.3M).
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.
Pan American Silver Corporation is a mining company based in Canada with operations in Latin America. The company has mines and other projects in Mexico, Peru, Bolivia, and Argentina.
UNTY vs USAS — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.3M | $19.1M |
| Net Profit | $15.5M | $-15.7M |
| Gross Margin | — | 34.2% |
| Operating Margin | 55.8% | — |
| Net Margin | 43.9% | -82.3% |
| Revenue YoY | 24.2% | -28.0% |
| Net Profit YoY | 34.5% | 2.8% |
| EPS (diluted) | $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 | $35.3M | — | ||
| Q3 25 | $32.8M | $19.1M | ||
| Q2 25 | $34.4M | — | ||
| Q1 25 | $29.4M | — | ||
| Q4 24 | $28.4M | — | ||
| Q3 24 | $27.7M | $26.5M | ||
| Q2 24 | $25.5M | — | ||
| Q1 24 | $25.6M | — |
| Q4 25 | $15.5M | — | ||
| Q3 25 | $14.4M | $-15.7M | ||
| Q2 25 | $16.5M | — | ||
| Q1 25 | $11.6M | — | ||
| Q4 24 | $11.5M | — | ||
| Q3 24 | $10.9M | $-16.2M | ||
| Q2 24 | $9.5M | — | ||
| Q1 24 | $9.6M | — |
| Q4 25 | — | — | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 23.6% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 55.8% | — | ||
| Q3 25 | 57.5% | — | ||
| Q2 25 | 62.6% | — | ||
| Q1 25 | 52.6% | — | ||
| Q4 24 | 51.0% | — | ||
| Q3 24 | 52.7% | — | ||
| Q2 24 | 49.3% | — | ||
| Q1 24 | 50.0% | — |
| Q4 25 | 43.9% | — | ||
| Q3 25 | 43.8% | -82.3% | ||
| Q2 25 | 48.0% | — | ||
| Q1 25 | 39.5% | — | ||
| Q4 24 | 40.5% | — | ||
| Q3 24 | 39.4% | -60.9% | ||
| Q2 24 | 37.1% | — | ||
| Q1 24 | 37.5% | — |
| Q4 25 | $1.52 | — | ||
| Q3 25 | $1.41 | — | ||
| Q2 25 | $1.61 | — | ||
| Q1 25 | $1.13 | — | ||
| Q4 24 | $1.13 | — | ||
| Q3 24 | $1.07 | — | ||
| Q2 24 | $0.92 | — | ||
| Q1 24 | $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 | — | $39.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $345.6M | $50.2M |
| Total Assets | $3.0B | $234.7M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | $39.1M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $230.8M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $345.6M | — | ||
| Q3 25 | $334.0M | $50.2M | ||
| Q2 25 | $319.8M | — | ||
| Q1 25 | $306.1M | — | ||
| Q4 24 | $295.6M | — | ||
| Q3 24 | $284.3M | $53.1M | ||
| Q2 24 | $273.4M | — | ||
| Q1 24 | $266.8M | — |
| Q4 25 | $3.0B | — | ||
| Q3 25 | $2.9B | $234.7M | ||
| Q2 25 | $2.9B | — | ||
| Q1 25 | $2.8B | — | ||
| Q4 24 | $2.7B | — | ||
| Q3 24 | $2.6B | — | ||
| Q2 24 | $2.6B | — | ||
| Q1 24 | $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 | $44.9M | $-12.5M |
| Free Cash FlowOCF − Capex | $44.3M | $-41.3M |
| FCF MarginFCF / Revenue | 125.7% | -216.5% |
| Capex IntensityCapex / Revenue | 1.6% | 150.8% |
| Cash ConversionOCF / Net Profit | 2.90× | — |
| TTM Free Cash FlowTrailing 4 quarters | $81.7M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $44.9M | — | ||
| Q3 25 | $45.5M | $-12.5M | ||
| Q2 25 | $-25.3M | — | ||
| Q1 25 | $17.9M | — | ||
| Q4 24 | $48.0M | — | ||
| Q3 24 | $17.7M | $2.4M | ||
| Q2 24 | $-8.4M | — | ||
| Q1 24 | $15.8M | — |
| Q4 25 | $44.3M | — | ||
| Q3 25 | $45.3M | $-41.3M | ||
| Q2 25 | $-25.5M | — | ||
| Q1 25 | $17.6M | — | ||
| Q4 24 | $47.3M | — | ||
| Q3 24 | $17.5M | $-11.2M | ||
| Q2 24 | $-8.6M | — | ||
| Q1 24 | $15.7M | — |
| Q4 25 | 125.7% | — | ||
| Q3 25 | 138.1% | -216.5% | ||
| Q2 25 | -74.2% | — | ||
| Q1 25 | 59.9% | — | ||
| Q4 24 | 166.5% | — | ||
| Q3 24 | 63.3% | -42.2% | ||
| Q2 24 | -33.7% | — | ||
| Q1 24 | 61.4% | — |
| Q4 25 | 1.6% | — | ||
| Q3 25 | 0.7% | 150.8% | ||
| Q2 25 | 0.5% | — | ||
| Q1 25 | 1.0% | — | ||
| Q4 24 | 2.4% | — | ||
| Q3 24 | 0.5% | 51.2% | ||
| Q2 24 | 0.5% | — | ||
| Q1 24 | 0.3% | — |
| Q4 25 | 2.90× | — | ||
| Q3 25 | 3.16× | — | ||
| Q2 25 | -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.
