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Side-by-side financial comparison of UNITY BANCORP INC (UNTY) and YORK WATER CO (YORW). Click either name above to swap in a different company.
UNITY BANCORP INC is the larger business by last-quarter revenue ($35.3M vs $19.4M, roughly 1.8× YORK WATER CO). UNITY BANCORP INC runs the higher net margin — 43.9% vs 26.7%, a 17.2% gap on every dollar of revenue. On growth, UNITY BANCORP INC posted the faster year-over-year revenue change (24.2% vs 3.2%). Over the past eight quarters, UNITY BANCORP INC's revenue compounded faster (17.5% CAGR vs 5.1%).
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.
The York Water Company is an investor-owned, public utility company based in York, Pennsylvania and operating throughout Pennsylvania. The company was founded in 1816 by a group of local businessmen concerned about fire protection.
UNTY vs YORW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.3M | $19.4M |
| Net Profit | $15.5M | $5.2M |
| Gross Margin | — | — |
| Operating Margin | 55.8% | 33.2% |
| Net Margin | 43.9% | 26.7% |
| Revenue YoY | 24.2% | 3.2% |
| Net Profit YoY | 34.5% | 0.5% |
| EPS (diluted) | $1.52 | $0.36 |
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 | $19.4M | ||
| Q3 25 | $32.8M | $20.2M | ||
| Q2 25 | $34.4M | $19.1M | ||
| Q1 25 | $29.4M | $18.3M | ||
| Q4 24 | $28.4M | $18.8M | ||
| Q3 24 | $27.7M | $19.6M | ||
| Q2 24 | $25.5M | $18.6M | ||
| Q1 24 | $25.6M | $17.5M |
| Q4 25 | $15.5M | $5.2M | ||
| Q3 25 | $14.4M | $6.2M | ||
| Q2 25 | $16.5M | $5.1M | ||
| Q1 25 | $11.6M | $3.6M | ||
| Q4 24 | $11.5M | $5.1M | ||
| Q3 24 | $10.9M | $5.9M | ||
| Q2 24 | $9.5M | $5.0M | ||
| Q1 24 | $9.6M | $4.3M |
| Q4 25 | 55.8% | 33.2% | ||
| Q3 25 | 57.5% | 39.1% | ||
| Q2 25 | 62.6% | 37.1% | ||
| Q1 25 | 52.6% | 34.3% | ||
| Q4 24 | 51.0% | 35.8% | ||
| Q3 24 | 52.7% | 41.1% | ||
| Q2 24 | 49.3% | 37.9% | ||
| Q1 24 | 50.0% | 35.5% |
| Q4 25 | 43.9% | 26.7% | ||
| Q3 25 | 43.8% | 30.6% | ||
| Q2 25 | 48.0% | 26.5% | ||
| Q1 25 | 39.5% | 19.8% | ||
| Q4 24 | 40.5% | 27.4% | ||
| Q3 24 | 39.4% | 29.9% | ||
| Q2 24 | 37.1% | 26.8% | ||
| Q1 24 | 37.5% | 24.7% |
| Q4 25 | $1.52 | $0.36 | ||
| Q3 25 | $1.41 | $0.43 | ||
| Q2 25 | $1.61 | $0.35 | ||
| Q1 25 | $1.13 | $0.25 | ||
| Q4 24 | $1.13 | $0.36 | ||
| Q3 24 | $1.07 | $0.41 | ||
| Q2 24 | $0.92 | $0.35 | ||
| Q1 24 | $0.94 | $0.30 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.0K |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $345.6M | $240.3M |
| Total Assets | $3.0B | $680.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $1.0K | ||
| Q3 25 | — | $1.0K | ||
| Q2 25 | — | $1.0K | ||
| Q1 25 | — | $1.0K | ||
| Q4 24 | — | $1.0K | ||
| Q3 24 | — | $1.0K | ||
| Q2 24 | — | $1.0K | ||
| Q1 24 | — | $3.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $230.8M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $345.6M | $240.3M | ||
| Q3 25 | $334.0M | $238.0M | ||
| Q2 25 | $319.8M | $234.6M | ||
| Q1 25 | $306.1M | $232.1M | ||
| Q4 24 | $295.6M | $231.2M | ||
| Q3 24 | $284.3M | $228.7M | ||
| Q2 24 | $273.4M | $225.4M | ||
| Q1 24 | $266.8M | $222.9M |
| Q4 25 | $3.0B | $680.9M | ||
| Q3 25 | $2.9B | $667.1M | ||
| Q2 25 | $2.9B | $653.7M | ||
| Q1 25 | $2.8B | $641.8M | ||
| Q4 24 | $2.7B | $633.5M | ||
| Q3 24 | $2.6B | $621.4M | ||
| Q2 24 | $2.6B | $610.4M | ||
| Q1 24 | $2.6B | $602.3M |
| 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 | $8.4M |
| Free Cash FlowOCF − Capex | $44.3M | — |
| FCF MarginFCF / Revenue | 125.7% | — |
| Capex IntensityCapex / Revenue | 1.6% | — |
| Cash ConversionOCF / Net Profit | 2.90× | 1.63× |
| TTM Free Cash FlowTrailing 4 quarters | $81.7M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $44.9M | $8.4M | ||
| Q3 25 | $45.5M | $7.8M | ||
| Q2 25 | $-25.3M | $7.6M | ||
| Q1 25 | $17.9M | $6.0M | ||
| Q4 24 | $48.0M | $10.2M | ||
| Q3 24 | $17.7M | $7.5M | ||
| Q2 24 | $-8.4M | $6.7M | ||
| Q1 24 | $15.8M | $6.1M |
| 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× | 1.63× | ||
| Q3 25 | 3.16× | 1.26× | ||
| Q2 25 | -1.54× | 1.50× | ||
| Q1 25 | 1.54× | 1.65× | ||
| Q4 24 | 4.17× | 1.98× | ||
| Q3 24 | 1.62× | 1.29× | ||
| Q2 24 | -0.89× | 1.34× | ||
| Q1 24 | 1.64× | 1.42× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
