ROARABLE
FREE $100K
My Trading Account →
▾
Trading Profile Active
Active Trader
Verified Trader
⚡ My $100K Trading Account → ★ My Saved Watchlist →
🟢 My $100K Account → Today Screener Big Ideas Track Record 💰 $100K Arena 🎲 Predictions 🏛️ Insiders 8 Analysts
Stock Ratings / Financials / UNTY / forecast
BWFG (65) BWB (52) SFST (59) CIVB (66) ⌘ Pro Terminal →

Unity Bancorp Inc. (UNTY) 12-Month Stock Forecast & Price Target Cone

$58.90 +2.77% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $59.08

Unity Bancorp Inc. (UNTY) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $575.5M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on UNTY Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is UNTY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Unity Bancorp Inc. (NASDAQ: UNTY) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $58.90 (+2.77% 1D, market cap $575.5M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, UNTY ranks #314 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does UNTY compare to BWFG and BWB in the Financials sector?
▼

Within the Financials sector (Major Banks), UNTY carries a Roarable C (63/100 RQD), trailing P/E of 10.1x, gross margin of —, and ROIC of 16.8%. By comparison, BWFG (Bankwell Financial Group Inc.) holds a C grade (65/100 RQD, P/E 15.8x, ROIC 11.7%, cap $567.8M) and BWB (Bridgewater Bancshares Inc.) posts a D+ grade (52/100 RQD, P/E 12.3x, ROIC 8.9%, cap $566.2M). Among the 5-stock peer group, UNTY leads on earnings multiple (10.1x) while UNTY leads on capital efficiency (16.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for UNTY?
▼

Per UNTY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000920427), Unity Bancorp Inc. generated $1.25B in revenue (+11.8% YoY), $58.0M in net income, and $44.3M in free cash flow against $2.97B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $59.08 (+0.31%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 3.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510063
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C · Rk C
Cash (10)Whales (10)SEC (13)Macro (13)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+2.3% Base Target
$71 Bull$60 Base$47 Bear
📬 FREE UNTY RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for UNTY)Realized 20D OHLCV Swing Band: ±4.7%
Deterministic 5-Pillar Attribution (63/100 Composite)
🔍 WHY UNTY SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning10/20 pts (-10 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
55
Grade C$55.39+1.8% Next Q
Q2 (-2Q)
58
Grade C$56.36+2.8% Next Q
Q3 (-1Q)
60
Grade C$57.93+1.7% Next Q
Current
63
Grade C$58.90+0.9% Hist 90D α
Trajectory: C (55) → C (63)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the UNTY Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, UNTY faces multiple-compression risk if 10.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($57.23) or 200D SMA ($55.51) invalidates the momentum regime and cuts Target Base ($60.23) toward Bear Floor ($46.98).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $UNTY• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “UNTY Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 63%NO 37%Trade / Inspect Odds →
INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your UNTY Position Size: $10,000

Shares at $58.90: 169.8 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $46.98
$7,976
$-2,024 (-20.2%)
12M Consensus BaseTarget $60.23
$10,226
+$226 (+2.3%)
12M Bull Case BreakoutTarget $71.07
$12,066
+$2,066 (+20.7%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 17● Hold: 9● Sell: 2
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskHOLD$6374%A
Goldman SachsSector Coverage LeadBUY$6769%B
JP MorganUS Large-Cap ResearchHOLD$5458%C
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (UNTY Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
UNTY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.20%📐 HORIZONTAL RANGE
2026-11-03O $58.10H $58.90L $57.31C $58.90VOL 30.3K
RES: $65.20SUP: $53.35SMA50: $57.23SMA200: $55.51
$63.28$60.05$56.81$53.58$50.35RES $65.20SUP $53.35$58.902026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

UNTY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 UNTY Butterfly Map → + Track UNTY →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-1.0%/yr Implied 5Y Growth

vs. +11.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on UNTY today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for UNTY. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for UNTY today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (UNTY)

Financials Rank #314 of 1097 ⚔️ BWFG vs UNTY Full Matrix →

1. Head-to-Head Financials Peer Comparison (UNTY vs. BWFG, BWB, SFST, CIVB)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Unity Bancorp Inc. (UNTY) ranks #314 by composite RQD confidence (63/100, grade C) and #672 by equity capitalization ($575.5M). Within this direct 5-issuer industry benchmark cohort, UNTY leads on earnings valuation at 10.1x trailing P/E, while UNTY leads on capital efficiency and profitability with 16.8% ROIC and — gross margin. CIVB currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with UNTY at 63/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
UNTY ACTIVE
Unity Bancorp Inc.
C 63/100 10.1x — 16.8% +2.77% $575.5M Benchmark Subject
BWFG
Bankwell Financial Group Inc.
C 65/100 15.8x — 11.7% +2.40% $567.8M /bwfg-vs-unty →
BWB
Bridgewater Bancshares Inc.
D+ 52/100 12.3x — 8.9% +2.03% $566.2M /bwb-vs-unty →
SFST
Southern First Bancshares Inc.
C- 59/100 19.0x — 8.2% +2.40% $564.3M /sfst-vs-unty →
CIVB
Civista Bancshares Inc.
C+ 66/100 12.8x — 8.5% +2.66% $587.0M /civb-vs-unty →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000920427 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Unity Bancorp Inc. (UNTY) reported GAAP revenue of $1.25B (+11.8% vs. FY2024 revenue of $1.11B , and +597.3% cumulative change since FY2023) , GAAP net income of $58.0M, operating cash flow of $44.9M, and free cash flow of $44.3M (-6.2% YoY). On the balance sheet, UNTY closed FY2025 with $2.97B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.25B $58.0M $44.9M $44.3M $2.97B —
FY2024 (FY) 2024-12-31 $1.11B $41.5M $48.0M $47.3M $2.65B —
FY2023 (FY) 2023-12-31 $178.7M $39.7M $46.9M $46.9M — —

3. UNTY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is UNTY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Unity Bancorp Inc. (NASDAQ: UNTY) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $58.90 (+2.77% 1D, market cap $575.5M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, UNTY ranks #314 in composite RQD confidence.

How does UNTY compare to BWFG and BWB in the Financials sector?

Within the Financials sector (Major Banks), UNTY carries a Roarable C (63/100 RQD), trailing P/E of 10.1x, gross margin of —, and ROIC of 16.8%. By comparison, BWFG (Bankwell Financial Group Inc.) holds a C grade (65/100 RQD, P/E 15.8x, ROIC 11.7%, cap $567.8M) and BWB (Bridgewater Bancshares Inc.) posts a D+ grade (52/100 RQD, P/E 12.3x, ROIC 8.9%, cap $566.2M). Among the 5-stock peer group, UNTY leads on earnings multiple (10.1x) while UNTY leads on capital efficiency (16.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for UNTY?

Per UNTY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000920427), Unity Bancorp Inc. generated $1.25B in revenue (+11.8% YoY), $58.0M in net income, and $44.3M in free cash flow against $2.97B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is UNTY trading relative to its 50-day, 200-day, and 52-week technical levels?

UNTY last traded at $58.90 (+2.77% on volume of 55,071 shares), positioning the stock +2.92% above its 50-day simple moving average ($57.23) and +6.11% above its 200-day simple moving average ($55.51). Across its 52-week range of $44.50 to $62.50, UNTY sits at the 80.0% percentile with a 14-day RSI of 51.8 (NEUTRAL RANGE) and an implied next-earnings move of ±4.7% ($56.13 to $61.67).

Direct Sub-Reports: UNTY RQD Cockpit UNTY 12M Forecast UNTY Earnings & Move UNTY Dividends & DRIP UNTY Insiders & 13F UNTY Whale Options UNTY Profit Sankey UNTY News & Why
ROARABLE RATING BRIEF • RQD 63/100 (C) ✓ SEC XBRL & RQD VERIFIED

UNTY — Unity Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Unity Bancorp Inc. (UNTY) earns a live Roarable RQD composite score of 63/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $58.90 (+2.77% 1D, market capitalization $575.5M).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 16.8%, gross margin of —, operating margin of —, and free cash flow yield of 7.60%.
  • Whale 13F & Options Flow (10/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Unity Bancorp Inc. Is a NASDAQ-listed issuer in the Financials sector and Major Banks industry. The market capitalization is $0.6B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Unity Bancorp Inc. (UNTY) reported $1.25B in annual revenue (up from $1.11B in FY2024, +11.8% YoY) and $58.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($178.7M revenue, $39.7M net income) through FY2025, UNTY scaled operating cash flow to $44.9M and free cash flow to $44.3M, backed by $2.97B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 63/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 7.60% and institutional whale pillar of 10/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $44.50 – $62.50 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 10.1x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies cannot be mapped from the sources. Sector and industry are listed as Financials and Major Banks, but correlation data is — Second-order bottlenecks cannot be identified from the sources provided.

  • Key Question #1: Can UNTY sustain or expand its — operating margin and 16.8% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.25B and free cash flow of $44.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is UNTY's 9.4x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

UNTY Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Unity Bancorp Inc. (UNTY) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to UNTY Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

UNTY Bull vs. Bear Conversation Board — What's Your Call at $58.90?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON UNTY 🐻 33% BEARISH CONVICTION
1. Pick Your Side on UNTY:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $68.20 (+19.0%)
📌 Pinned Debate

Net income rose from $39.7M in FY 2023 to $58.0M in FY 2025 while the trailing P/E sits at 10.1 and ROIC is 16.8%.

Don't sleep on UNTY's setup in Financials. Net income rose from $39.7M in FY 2023 to $58.0M in FY 2025 while the trailing P/E sits at 10.1 and ROIC is 16.8%.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (63/100) backs up the fundamental quality.

VolSurface_Trader 🐂 BULL

Both sides have a point here — UNTY's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $46.42 (-19.0%)
Spot @ $57.31

The cash-engine pillar scores only 10 of 20 and FCF declined from $47.3M to $44.3M between FY 2024 and FY 2025.

I respect the product at Unity Bancorp Inc., but the stock at $57.31 is a different story. The cash-engine pillar scores only 10 of 20 and FCF declined from $47.3M to $44.3M between FY 2024 and FY 2025.. FCF yield is 7.6% and RQD sits at 63/100 (C) — why pay up here when you can wait for next quarter's numbers?

LIVE TAPE