MARKET WIREYahoo Finance • 1d ago
Compared to Estimates, Unity Bancorp (UNTY) Q3 Earnings: A Look at Key MetricsYahoo Finance report covering Unity Bancorp Inc. (UNTY) market action, institutional positioning, and fundamental catalysts.
Why UNTY Stock surged +2.77% Today — RQD Quant Desk Flash
$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
⚡ 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?
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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?
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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?
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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:
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
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
Each axis scored 0–20
12M PRICE TARGET CONE+2.3% Base Target
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)Grade C$55.39+1.8% Next Q
55
Q2 (-2Q)Grade C$56.36+2.8% Next Q
58
Q3 (-1Q)Grade C$57.93+1.7% Next Q
60
CurrentGrade C$58.90+0.9% Hist 90D α
63
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why UNTY Stock surged +2.77% Today — RQD Quant Desk Flash
Unity Bancorp Inc. (UNTY) surged +2.77% to $58.90, trading at 80% of its 52-week range ($44.5 – $62.5). Solid steady margins (17% return on capital), mixed timing at 10x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 80% of its 52-week range ($44.5 – $62.5) with RSI-14 at 51.8 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.7% around $58.90 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $44.3M annual free cash flow.
Live UNTY Headlines & Catalysts
MARKET WIRETradingView • 1d ago
Unity Bancorp, Inc. Estimates – NASDAQ:UNTYTradingView report covering Unity Bancorp Inc. (UNTY) market action, institutional positioning, and fundamental catalysts.
MARKET WIREYahoo Finance • 1d ago
Unity Bancorp (UNTY) Q3 Earnings and Revenues Surpass EstimatesYahoo Finance report covering Unity Bancorp Inc. (UNTY) market action, institutional positioning, and fundamental catalysts.
MARKET WIREStock Titan • 1d ago
At $15.70 a share, Aaron Tucker exercises 1,500 Unity Bancorp (UNTY) stock options.Stock Titan report covering Unity Bancorp Inc. (UNTY) market action, institutional positioning, and fundamental catalysts.
CATALYSTMarketBeat • 2d ago
Unity Bancorp (NASDAQ:UNTY) Posts Earnings Results, Beats Estimates By $0.02 EPSMarketBeat report covering Unity Bancorp Inc. (UNTY) market action, institutional positioning, and fundamental catalysts.
MARKET WIREInvesting.com South Africa • 2d ago
Unity Bancorp director Peter Maricondo sells $26,435 in stock By Investing.comInvesting.com South Africa report covering Unity Bancorp Inc. (UNTY) market action, institutional positioning, and fundamental catalysts.
MARKET WIREBenzinga • 2d ago
Earnings Scheduled For October 13, 2026Benzinga report covering Unity Bancorp Inc. (UNTY) market action, institutional positioning, and fundamental catalysts.
CATALYSTYahoo Finance • 2d ago
Unity Bancorp (UNTY) to Report Q3 Results: Wall Street Expects Earnings GrowthYahoo Finance report covering Unity Bancorp Inc. (UNTY) market action, institutional positioning, and fundamental catalysts.
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
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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
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
UNTY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
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 ENABLEDIs 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).
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
🟡 MARKET WIRE Yahoo Finance • 1d ago
Compared to Estimates, Unity Bancorp (UNTY) Q3 Earnings: A Look at Key Metrics Yahoo Finance report covering Unity Bancorp Inc. (UNTY) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE TradingView • 1d ago
Unity Bancorp, Inc. Estimates – NASDAQ:UNTY TradingView report covering Unity Bancorp Inc. (UNTY) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Yahoo Finance • 1d ago
Unity Bancorp (UNTY) Q3 Earnings and Revenues Surpass Estimates Yahoo Finance report covering Unity Bancorp Inc. (UNTY) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Stock Titan • 1d ago
At $15.70 a share, Aaron Tucker exercises 1,500 Unity Bancorp (UNTY) stock options. Stock Titan report covering Unity Bancorp Inc. (UNTY) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST MarketBeat • 2d ago
Unity Bancorp (NASDAQ:UNTY) Posts Earnings Results, Beats Estimates By $0.02 EPS MarketBeat report covering Unity Bancorp Inc. (UNTY) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Investing.com South Africa • 2d ago
Unity Bancorp director Peter Maricondo sells $26,435 in stock By Investing.com Investing.com South Africa report covering Unity Bancorp Inc. (UNTY) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Benzinga • 2d ago
Earnings Scheduled For October 13, 2026 Benzinga report covering Unity Bancorp Inc. (UNTY) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST Yahoo Finance • 2d ago
Unity Bancorp (UNTY) to Report Q3 Results: Wall Street Expects Earnings Growth Yahoo Finance report covering Unity Bancorp Inc. (UNTY) market action, institutional positioning, and fundamental catalysts.
🔥 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
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?