Unity Bancorp, Inc. (UNTY) Earnings History
Elite Compounder30 years of earnings data (1996–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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Unity Bancorp, Inc. (UNTY) Earnings Overview
As of July 8, 2026, Unity Bancorp, Inc. (UNTY) reported trailing twelve-month net income of $61M, reflecting +39.7% year-over-year growth. The company earned $5.95 per diluted share over the past four quarters, with a net profit margin of 30.8%.
Looking at the long-term picture, UNTY's 5-year EPS compound annual growth rate (CAGR) stands at +21.0%, indicating exceptional earnings growth. The company achieved its highest annual net income of $58M in fiscal 2025, representing a new all-time high.
Unity Bancorp, Inc. maintains industry-leading profitability with a gross margin of 67.9%, operating margin of 40.1%, and net margin of 30.8%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($184M net income, 19.5% margin), CZNC ($17M net income, 15.2% margin), FUNC ($25M net income, 20.6% margin), UNTY has outperformed on profitability metrics. Compare UNTY vs NBTB →
UNTY Earnings vs Peers
Earnings metrics vs comparable public companies
UNTY Historical Earnings Data (1996–2025)
30 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $58M | +39.8% | $76M | $5.67 | 30.8% | 40.1% |
| 2024 | $41M | +4.4% | $54M | $4.06 | 25.4% | 33.4% |
| 2023 | $40M | +3.3% | $53M | $3.84 | 26.3% | 35.2% |
| 2022 | $38M | +6.5% | $51M | $3.59 | 35.5% | 47.5% |
| 2021 | $36M | +52.8% | $48M | $3.43 | 37.7% | 50.3% |
| 2020 | $24M | -0.0% | $31M | $2.19 | 26.0% | 34.2% |
| 2019 | $24M | +7.9% | $30M | $2.14 | 28.1% | 36.0% |
| 2018 | $22M | +70.0% | $27M | $2.01 | 28.7% | 35.7% |
| 2017 | $13M | -2.4% | $22M | $1.20 | 20.5% | 35.6% |
| 2016 | $13M | +38.2% | $20M | $1.38 | 24.0% | 37.2% |
| 2015 | $10M | +49.1% | $14M | $1.02 | 19.4% | 29.1% |
| 2014 | $6M | +25.3% | $10M | $0.74 | 14.5% | 21.7% |
| 2013 | $5M | +20.5% | $8M | $0.48 | 12.6% | 18.9% |
| 2012 | $4M | +66.7% | $6M | $0.31 | 10.1% | 15.5% |
| 2011 | $3M | +13.7% | $3M | $0.12 | 5.8% | 7.5% |
| 2010 | $2M | +307.2% | $3M | $0.09 | 4.6% | 5.8% |
| 2009 | -$1M | -156.0% | -$2M | $-0.33 | -2.0% | -3.7% |
| 2008 | $2M | -59.2% | $3M | $0.23 | 3.5% | 4.6% |
| 2007 | $5M | -19.2% | $7M | $0.57 | 8.6% | 12.2% |
| 2006 | $6M | -5.9% | $9M | $0.67 | 11.5% | 17.3% |
| 2005 | $6M | +16.5% | $10M | $0.68 | 14.8% | 23.6% |
| 2004 | $5M | +16.3% | $8M | $0.62 | 15.8% | 24.8% |
| 2003 | $5M | +23.6% | $7M | $0.58 | 13.8% | 21.9% |
| 2002 | $4M | +81.7% | $6M | $0.43 | 11.5% | 18.0% |
| 2001 | $2M | +134.5% | $2M | $0.31 | 7.0% | 5.7% |
| 2000 | -$6M | -73.9% | -$5M | $-1.16 | -16.6% | -14.2% |
| 1999 | -$3M | -261.9% | -$6M | $-0.62 | -11.6% | -19.8% |
| 1998 | $2M | +5.0% | $3M | $0.43 | 9.6% | 15.5% |
| 1997 | $2M | +100.0% | $3M | $0.21 | 11.1% | 18.3% |
| 1996 | $1M | - | $2M | $0.32 | 7.5% | 12.0% |
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UNTY — Frequently Asked Questions
Quick answers to the most common questions about buying UNTY stock.
What is UNTY earnings per share (EPS)?
UNTY trailing twelve-month (TTM) diluted EPS is $5.95, reflecting +39.7% year-over-year growth. The 5-year EPS CAGR is +21.0%. Complete EPS history from 1996 to 2025 is available in the table on this page.
What is Unity Bancorp, Inc.'s net income?
Unity Bancorp, Inc. (UNTY) trailing twelve-month net income is $61M as of 2025. Earnings grew +39.7% year-over-year. Unity Bancorp, Inc. has been profitable for 16 consecutive years.
Is UNTY profitable?
Yes, UNTY is profitable with a TTM net income of $61M and a net profit margin of +30.8%. Unity Bancorp, Inc. has generated profits for 16 consecutive years.
What is UNTY's earnings growth rate?
UNTY compound annual EPS growth rates (CAGR): 1-Year: +39.7%, 3-Year: +16.5%, 5-Year: +21.0%, 10-Year: +18.7%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1996 to 2025.
What are UNTY's profit margins?
Unity Bancorp, Inc. net profit margin is +30.8%, operating margin is +40.1%, and gross margin is +67.9%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +18.1%.
Is UNTY growing earnings?
Yes, UNTY earnings are accelerating — EPS growth of +39.7% exceeds the 5-year CAGR of +21.0%. TTM net income reached $61M. Earnings momentum is strengthening.
What was UNTY's best earnings year?
Unity Bancorp, Inc.'s highest annual net income on record is $58M, achieved in fiscal year 2025. Earnings history on this page spans 1996 to 2025 and includes all annual and quarterly figures.
What were UNTY's earnings last quarter?
UNTY's most recent reported quarter was Q1 2026. Net income was $14M with diluted EPS of $1.40. For a full breakdown of all quarters, see the quarterly earnings table on this page.