Monitor the bank's net interest margin and loan growth trends in upcoming quarters to assess sustainability of strong performance.
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Executive Summary
Unity Bancorp presented its 2025 annual results at the shareholder meeting, showing strong financial performance with net income increasing 39.8% year-over-year to $57.95 million and diluted EPS rising 39.7% to $5.67. The bank also highlighted stable asset quality and consistent book value growth.
Key Facts
- Net income for 2025 was $57.95 million, up 39.8% from $41.45 million in 2024
- Diluted earnings per share was $5.67 in 2025, up 39.7% from $4.06 in 2024
- Return on average equity increased to 18.07% in 2025 from 14.99% in 2024
- Net interest margin improved to 4.52% in 2025 from 4.16% in 2024
- Book value per share increased to $34.63 in 2025 from $29.59 in 2024
Financial Impact
Net income increased 39.8% year-over-year to $57.95 million
Risk Factors
- Net interest margin declined slightly to 4.53% in Q1 2026 from 4.60% in Q4 2025
- Noninterest expense increased 7.4% year-over-year to $52.359 million
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000920427-26-000031 |
| Document: unty-20260422xex99d1.htm | 0000920427-26-000031 |
| Document: 0000920427-26-000031-index-headers.html | 0000920427-26-000031 |
| Document: 0000920427-26-000031-index.html | 0000920427-26-000031 |
| Document: 0000920427-26-000031.txt | 0000920427-26-000031 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 13, 2026 14d ago | 8-K | $55.39 | awaiting T+60 | — | $58.13 (+4.94%) |
Sep 23, 2026 4w ago | 8-K | $55.33 | awaiting T+60 | — | $58.13 (+5.05%) |
Sep 10, 2026 6w ago | 8-K | $60.13 | awaiting T+60 | — | $58.13 (−3.33%) |
Aug 7, 2026 11w ago | 8-K | $59.66 | awaiting T+60 | — | $58.13 (−2.57%) |
Jul 14, 2026 15w ago | 8-K | $55.54 $54.61 | ▼ −1.67% | ▼ −5.05% | $58.13 (+4.65%) |
Jul 14, 2026 15w ago | Press Release | $55.54 $54.61 | ▼ −1.67% | ▼ −5.05% | $58.13 (+4.65%) |
May 21, 2026 22w ago | Press Release | $54.58 $60.17 | ▲ +10.24% | ▲ +7.05% | $58.13 (+6.50%) |
Apr 22, 2026 26w ago | 8-K | $52.77 $57.11 | ▲ +8.22% | ▲ +3.21% | $58.13 (+10.15%) |
Apr 14, 2026 28w ago | 8-K | $55.00 $56.32 | ▼ −2.40% | ▲ +6.12% | $58.13 (−5.68%) |
Apr 14, 2026 28w ago | Press Release | $55.00 $56.32 | ▲ +2.40% | ▼ −6.12% | $58.13 (+5.68%) |
US Market Status
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