The stock is likely to react negatively due to the earnings miss and margin compression. The 7% dividend increase may provide some support, but the core earnings weakness is the primary concern.
Price Chart
Executive Summary
Unity Bancorp reported Q1 2026 earnings of $1.40 per share, missing consensus by $0.05, driven by a $1.5M unrealized gain reversal and a 7 basis point decline in net interest margin. Despite a 7% dividend increase, the stock is likely to react negatively due to the earnings miss and margin compression.
Key Financial Metrics
Key Facts
- Q1 2026 EPS was $1.40, missing consensus of $1.45 by $0.05
- Net interest income decreased $0.7M to $30.7M due to day count
- Net interest margin decreased 7 basis points to 4.53%
- Noninterest income decreased $1.0M to $2.9M, primarily due to the $1.5M unrealized gain reversal
- Noninterest expense increased $0.8M to $14.1M
- Dividend increased 7% to $0.16 per share
Financial Impact
Earnings miss of $0.05 and 7 basis point decline in net interest margin
Risk Factors
- Earnings miss
- Net interest margin compression
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000920427-26-000028 |
| Document: unty-20260414x8k.htm | 0000920427-26-000028 |
| Document: 0000920427-26-000028-index-headers.html | 0000920427-26-000028 |
| Document: 0000920427-26-000028-index.html | 0000920427-26-000028 |
| Document: 0000920427-26-000028.txt | 0000920427-26-000028 |
| 8-K Data (Synthetic) | 0000920427-26-000028 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 13, 2026 14d ago | 8-K | $55.39 | awaiting T+60 | — | $58.01 (+4.74%) |
Sep 23, 2026 4w ago | 8-K | $55.33 | awaiting T+60 | — | $58.01 (+4.85%) |
Sep 10, 2026 6w ago | 8-K | $60.13 | awaiting T+60 | — | $58.01 (−3.52%) |
Aug 7, 2026 11w ago | 8-K | $59.66 | awaiting T+60 | — | $58.01 (−2.76%) |
Jul 14, 2026 15w ago | 8-K | $55.54 $54.61 | ▼ −1.67% | ▼ −5.05% | $58.01 (+4.46%) |
Jul 14, 2026 15w ago | Press Release | $55.54 $54.61 | ▼ −1.67% | ▼ −5.05% | $58.01 (+4.46%) |
May 21, 2026 22w ago | Press Release | $54.58 $60.17 | ▲ +10.24% | ▲ +7.05% | $58.01 (+6.29%) |
Apr 22, 2026 26w ago | 8-K | $52.77 $57.11 | ▲ +8.22% | ▲ +3.21% | $58.01 (+9.94%) |
Apr 14, 2026 28w ago | 8-K | $55.00 $56.32 | ▼ −2.40% | ▲ +6.12% | $58.01 (−5.48%) |
Apr 14, 2026 28w ago | Press Release | $55.00 $56.32 | ▲ +2.40% | ▼ −6.12% | $58.01 (+5.48%) |
US Market Status
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