Unity Bancorp Inc
unitybancorp.q4ir.comWhat Do They Do?
Provides commercial and retail banking services, including deposit accounts and loans, to businesses, professionals, municipalities and individuals.
10-K for FY2025, filed Mar 4, 2026The Company’s primary business is ownership and supervision of the Bank. The Company and the Bank derive a majority of their revenue from…View ↗
The Company engages in a wide range of lending activities and offers commercial, SBA, consumer, mortgage, home equity and personal loans.…View ↗
Unity Bancorp, Inc. (the “Parent Company”) is a financial holding company incorporated in New Jersey and registered under the Bank Holding…View ↗
How Do They Make Money?
It earns interest on loans and securities, offset by interest paid on deposits and borrowings, and collects fees for account services and transactions. Account fees are generally paid when the monthly service period or transaction is completed.
10-K for FY2025, filed Mar 4, 2026
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10-K for FY2025, filed Mar 4, 2026
FY2025 revenue by product or service (Noninterest income) ↗
$173.6M
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10-K for FY2025, filed Mar 4, 2026
$173.6M ↗
| Segment | Share | Revenue |
|---|---|---|
|
Branch Fee Income
|
40%
FY2022: 31%
|
Branch Fee Income, FY2025
$1.8M Sources
|
|
Service and Loan Fee Income
|
60%
FY2022: 69%
|
Service and Loan Fee Income, FY2025
$2.7M Sources
|
Who Are Their Customers?
Serves small and midsize businesses and professionals, state and local municipalities, and individuals through branches and online banking.
10-K for FY2025, filed Mar 4, 2026
Do Revenues Turn Into Profits?
Yes. It kept 33 cents of every revenue dollar as net income in FY2025 and turned 26 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 6, 2026
Open tableView ↗
Growing. Revenue grew 2.0x in 4 years, from $84.8M in FY2021 to $173.6M in FY2025, about 20% a year.
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