UNITY BANCORP INC /NJ/ (UNTY)
State Commercial Banks · Financial Services · $558M
Intrinsic Value (Consensus)
$110.45
Current Price
$55.55
Margin of Safety
+98.8%
98.8% Below Intrinsic Value
Value: $110
Price: $56
Valuation Model Estimates
Current Price: $55.55
DCF (Discounted Cash Flow)
$207.09
Graham Number
$66.27
Earnings Power Value
$55.05
Relative Value (P/E)
$113.40
Dividend Discount Model
Not applicable
—
Consensus Value
$110.45
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
73
Profitability
22/25
Strength
19/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $5.67
- EPS (Forward)
- $6.80
- Book Value
- $34.42
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 16.8%
- Debt/Equity
- 67%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance