Unity Bancorp, Inc. (UNTY)

On January 13, 2026, Unity Bancorp reported record net income for 2025 and disclosed a commercial mortgage moving to nonaccrual status. Also on January 13, 2026, Unity Bancorp recognized a pre-tax unrealized gain related to the resolution of Patriot National Bancorp, Inc. In December 2025, Unity Bancorp was named to Piper Sandler's Sm-All Stars Class of 2025. On November 20, 2025, the company announced executive leadership changes and declared a quarterly cash dividend. On October 14, 2025, the company reported quarterly earnings. On August 21, 2025, Unity Bancorp announced an increase in its third-quarter dividend. On July 15, 2025, the company reported quarterly earnings. On June 18, 2025, the stock received a "Golden Star Signal" in its long-term chart.

The banking industry experiences seasonal fluctuations in demand for its products and services. Loan demand typically reaches annual lows in late January and February, increases from March through July, and peaks in August or September before decreasing until December. Changes in interest rates are a primary driver of loan demand. Spring is historically considered the prime home-buying season, influencing mortgage demand. Regional banks specifically have a history of concentrating advances during certain periods and experiencing declines during others.

Unity Bancorp, Inc. operates as the bank holding company for Unity Bank, providing commercial and retail banking services. The company offers deposit accounts including checking, money market, savings, retirement accounts, and CDs. It also provides commercial, SBA, consumer, and mortgage loans, along with other services like credit cards, wire transfers, safe deposit boxes, internet and mobile banking, ACH origination, remote deposit capture, escrow services, merchant services, and wealth management.

Unity Bancorp is headquartered in Clinton, New Jersey, and serves individuals, small businesses, and middle-market companies across New Jersey and parts of Pennsylvania. The company operates through 21 branches. Its New Jersey branch network spans Bergen, Hunterdon, Middlesex, Morris, Ocean, Somerset, Union, and Warren counties. In Pennsylvania, Unity Bank serves the Lehigh Valley region, including Northampton County, and has a presence in Bucks County and southeastern Pennsylvania. In 2023, Unity Bank expanded by opening new locations in Lake Hiawatha and Fort Lee, New Jersey.

Unity Bancorp maintains a strong brand reputation, underscored by its recognition as a top-performing institution, being named to Piper Sandler's Sm-All Stars Class of 2025. The company's brand promise, "Growing with You," reflects its dedication to the growth of its communities, customers, employees, and shareholders. Unity Bank actively engages in community involvement and prioritizes the security of its technology and infrastructure. MarketBeat's evaluation placed Unity Bancorp higher than 87% of companies in its assessment, and analysts generally hold a positive outlook.

Institutional investors hold approximately 49.49% to 49.74% of Unity Bancorp's shares, while individual ownership accounts for about 10.8%. As of May 2021, the general public held a 21% stake, private equity firms held 13%, and private companies held 17% of the company's shares. Dallas Financial Holdings, LLC was the largest shareholder among private companies. Major institutional holders include BlackRock, Inc., Dimensional Fund Advisors Lp, Banc Funds Co Llc, The Vanguard Group Inc., AllianceBernstein L.P., Wellington Management Group Llp, American Century Companies Inc., Geode Capital Management, Llc, Royce & Associates Lp, and Maltese Capital Management Llc. The CEO, James Hughes, held 1.4% of the shares as of May 2021.