WARN : Please note that some of the values may not be in base currency

Fundamental Analysis of Unity Bancorp Inc - Growth / Value Index


UNTY - Valuation Highlights

Valuation Analysis

   Tsr Value Index - Excellent Score of 81.25
   Undervalued - Price to Intrinsic Value of 0.127
   Price to Earning Ratio is 7.03 and EV to EBITDA is 12.72 suggesting company is undervalued.
   Tremendous increasing in Book Value last 3 year
Valuation Key Ratios
Ratio TTM Latest FY Yoy Change MRQ
Price to Earning 7.31 7.24 -6.90 %
Price to Book 1.13 1.10 -11.63 % 1.08
Price to Sales 2.18 2.82 -8.04 %
Enterprise Value to EBITDA Multiple 12.85 12.39 -21.00 %


UNTY - Profitability Highlights

Profitability Analysis

   Piotroski F Score - Excellent Value of 8.0
   Earning Yield of 14.23 %
   Excellent Net Margin for last 3 years
   Company Earning excess return
   During the past twelve months, the company has given a strong Net Margin of 29.81%
   All key Trailing Twelve Months Margin growing by 15 %
   Annual Net Profit in last 3 years is trending up
   EBITDA is continuously increasing for last 3 Years
   Steady ROE in range of 15 to 20 for last 3 years
   Good Return on Equity of 15.42% is achieved by the company
   In the last three years, the company has given poor Returns on Assets
   EPS decline for last four quarters
Profitability Key Ratios
Ratio TTM Latest FY Yoy Change MRQ
Return On Equity 15.42 15.26 -5.07 % 3.59
Return On Asset 1.53 1.55 -1.64 % 0.373
Net Profit Margin 29.81 38.91 -1.22 % 24.17
Operating Profit Margin 85.41 136.13 158.47 % 91.70
EBITDA Margin 60.63 80.95 21.93 % 37.91


Highlights
Market Cap280492 K
Enterprise Value1019.85 M
Price/Book TTM1.13
Outstanding Share10039.10 K
Float/ Outstanding Share61.63%
Dividend Yield1.88 %
Share Holding
Guru Numbers
Price/Graham No0.599
Peter Lynch Ratio1.02
Piotroski F Score8.00
Altman Z Score0.321
Sloan Ratio-0.0059
Peter Lynch Fair Value54.24


UNTY - Growth Highlights

Growth Analysis

   Annual sales of the company is increased for three years in a row
   Steady increase in Total Assets for last 3 Years
Growth Key Fields
Field TTM YoY Growth QoQ Growth
Revenue 130849 K 5.02 % 1.66 %
Gross Profit 130849 K 55.31 % 1.66 %
EBITDA 79337.00 K 28.05 % 5.57 %
Net Profit 39006.00 K 3.73 % 1.88 %
EPS 3.82 7.42 % NA


UNTY - Stability Highlights

Stability Analysis

   Tsr Stability Index - Very Poor Score of 17.19
   Altman Z Score of 0.318 suggest high risk
   Company has high debt burden
Stability Key Ratios
Ratio Latest FY Yoy Change MRQ
Debt to Equity Ratio 2.75 -10.77 % 2.08
Cash Ratio -0.0281 -144.29 %
Quick Ratio 0.274 93.37 % 0.543
Shareholders Equity 10.14 3.62 %
Debt to EBITDA 8.66 -23.85 %


Historical Valuation Ratios of Unity Bancorp Inc

Historical Valuation Ratios
Loading ...

Historical Profitability Ratios of Unity Bancorp Inc

Historical Profitability Ratios
Loading ...

Historical Efficiency Ratios of Unity Bancorp Inc

Historical Efficiency Ratios
Loading ...

Historical Solvency Ratios of Unity Bancorp Inc

Historical Solvency Ratios
Loading ...


Note : All Data Generated at the End of Trading Hours (EOD Data)