Unity Bancorp, Inc. (UNTY) Income Annual - Discounting Cash Flows
UNTY
Unity Bancorp, Inc.
UNTY (NASDAQ)
Period Ending: LTM
(Last Twelve Months)
2025
12-31
2024
12-31
2023
12-31
2022
12-31
2021
12-31
2020
12-31
2019
12-31
2018
12-31
2017
12-31
2016
12-31
2015
12-31
2014
12-31
2013
12-31
2012
12-31
2011
12-31
2010
12-31
2009
12-31
2008
12-31
2007
12-31
2006
12-31
2005
12-31
2004
12-31
2003
12-31
2002
12-31
2001
12-31
2000
12-31
1999
12-31
1998
12-31
1997
12-31
1996
12-31
Report Filing 2026-03-04 2026-03-04 2025-03-07 2024-03-07 2023-03-10 2022-03-11 2021-03-25 2020-03-04 2019-03-05 2018-03-02 2017-03-03 2016-03-04 2015-03-16 2014-03-06 2013-03-21 2012-03-15 2011-03-17 2010-03-18 2009-03-19 2008-03-21 2007-03-15 2006-03-24 2005-03-31 2004-03-26 2003-03-26 2002-03-28 2001-03-30 1999-12-31 1999-03-31 1998-03-31 1997-03-31
Revenue 205.9 188.4 163.1 150.7 108.3 95.78 91.02 84.11 76.45 62.93 55.01 49.38 44.1 40.56 41.86 44.2 49.1 54.16 55 54.84 50.81 42.03 33.8 33.24 32.29 29.28 35.68 29.3 21.9 18 13.3
Cost of Revenue 76.04 60.54 61.08 51.66 14.9 7.92 21.48 20.16 15.57 11.1 9.99 8.16 9.86 8.88 11.77 17.35 21.29 29.58 27.97 26.02 20.98 13.45 8.18 8.63 10.92 13.1 17.04 14.4 8 6.8 5.2
Gross Profit 129.9 127.9 102 99.05 93.36 87.86 69.54 63.95 60.88 51.83 45.03 41.22 34.24 31.68 30.09 26.85 27.82 24.58 27.02 28.82 29.83 28.57 25.61 24.61 21.36 16.18 18.64 14.9 13.9 11.2 8.1
Operating Expenses 53.32 52.36 47.6 46.06 41.94 39.73 38.42 33.64 33.57 29.39 24.56 26.85 24.69 24 23.61 23.54 24.99 26.56 24.48 22.11 21.05 18.68 17.23 17.33 15.54 14.52 23.72 20.7 10.5 7.9 6.5
Research & Development 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Selling, General and Administrative 43.12 38.82 33.42 33.05 30.1 27.66 25.48 24.41 24.35 20.84 18.71 17.72 15.95 15.24 15.49 14.73 15.94 15.56 15.28 11.92 11.6 10.34 9.13 8.9 7.96 7.19 9.2 8.7 4.7 3.9 2.8
Other Operating Expenses 10.2 13.54 14.19 13.01 11.84 12.06 12.95 9.23 9.22 8.56 5.85 9.13 8.73 8.75 8.13 8.81 9.05 11 9.2 10.19 9.44 8.34 8.1 8.43 7.58 7.33 14.52 12 5.8 4 3.7
Operating Income 76.55 75.51 54.39 52.99 51.42 48.13 31.12 30.32 27.31 22.43 20.47 14.37 9.55 7.68 6.47 3.31 2.83 -1.98 2.55 6.7 8.79 9.9 8.38 7.28 5.82 1.66 -5.07 -5.8 3.4 3.3 1.6
Net Non-Operating Interest 156.1 117 98.61 95 90.11 77.04 64.44 57.59 53.75 45.86 38.26 33.99 30.11 27.43 27.43 28.97 30 27.83 27.29 24.43 23.75 22.23 19.16 17.87 15.72 12.19 11.7 11 10.3 8.7 6.1
Interest Income 212.7 173.6 155.7 143.5 100.7 84.78 78.92 75.65 67.26 55.31 47.02 41.65 37.42 33.95 35.2 39.52 44.03 49.41 50.77 48.9 43.18 33.84 26.17 24.89 24.3 23.89 28.02 23.7 17.5 15 10.9
Interest Expense 56.6 56.59 57.13 48.5 10.63 7.74 14.48 18.05 13.52 9.45 8.77 7.66 7.31 6.53 7.77 10.55 14.04 21.58 23.47 24.47 19.43 11.6 7.01 7.03 8.57 11.7 16.32 12.7 7.2 6.3 4.8
Equity & Other Income/(Expense) -157.1 -117 -98.61 -95 -90.11 -77.04 -64.44 -57.59 -53.75 -45.86 -38.26 -33.99 -30.11 -27.43 -27.43 -28.97 -30 -27.83 -27.29 -24.43 -23.75 -22.23 -19.16 -17.87 -15.72 -12.19 -11.7 -11 -10.3 -8.7 -6.1
Income Before Tax 75.51 75.51 54.39 52.99 51.42 48.13 31.12 30.32 27.31 22.43 20.47 14.37 9.55 7.68 6.47 3.31 2.83 -1.98 2.55 6.7 8.79 9.9 8.38 7.28 5.82 1.66 -5.07 -5.8 3.4 3.3 1.6
Income Tax Expense 17.56 17.56 12.94 13.29 12.96 12.01 7.47 6.66 5.39 9.54 7.26 4.81 3.15 2.57 2.23 0.769 0.589 -0.898 0.616 1.98 2.94 3.69 3.05 2.7 2.11 -0.382 0.839 -2.4 1.3 1.3 0.6
Income Attributable to Non-Controlling Interest -0.005 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Income 57.96 57.95 41.45 39.71 38.46 36.12 23.64 23.65 21.92 12.89 13.21 9.56 6.41 5.12 4.24 2.55 2.24 -1.08 1.93 4.72 5.84 6.21 5.33 4.58 3.71 2.04 -5.91 -3.4 2.1 2 1
Depreciation and Amortization 1.71 0 2.58 2.38 2.76 1.61 1.91 1.62 1.94 1.24 0.734 0.53 1.39 1.27 1.36 1.04 1.32 1.42 0.597 1.08 0.835 1.03 1.03 0.884 1.2 1.22 1.64 1.6 0.4 0.4 0.4
EBITDA 78.25 75.51 56.97 55.38 54.18 49.74 33.03 31.93 29.24 23.67 21.2 14.9 10.94 8.95 7.83 4.36 4.15 -0.561 3.14 7.78 9.62 10.93 9.42 8.16 7.02 2.88 -3.43 -4.2 3.8 3.7 2
Earnings Per Share (EPS) 5.77 5.78 4.13 3.89 3.66 3.47 2.21 2.18 2.04 1.22 1.4 1.03 0.75 0.5 0.32 0.12 0.091 -0.33 0.24 0.59 0.7 0.72 0.66 0.61 0.45 0.31 -1.16 -0.62 0.45 0.21 0.32
Diluted Earnings Per Share 5.67 5.67 4.06 3.84 3.59 3.43 2.19 2.14 2.01 1.2 1.38 1.02 0.74 0.48 0.31 0.12 0.091 -0.33 0.23 0.57 0.67 0.68 0.62 0.58 0.43 0.31 -1.16 -0.62 0.43 0.21 0.32
Weighted Average Shares Outstanding 10.01 10.03 10.03 10.21 10.51 10.4 10.71 10.85 10.73 10.56 9.42 9.27 8.64 8.3 8.22 8.07 7.89 7.83 7.81 7.97 8.38 8.59 8.59 7.58 8.08 6.65 5.46 5.49 4.72 4.61 3.3
Diluted Weighted Average Shares Outstanding 10.2 10.22 10.2 10.34 10.71 10.55 10.81 11.03 10.92 10.75 9.57 9.38 8.74 8.59 8.57 8.51 8.19 7.83 7.99 8.28 8.8 9.04 8.59 7.94 8.57 6.65 5.46 6.6 4.95 4.61 3.3
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Discounting Cash Flows

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