What is the 13F Pro Quality Score for UNTY?

13F Pro ranks UNITY BANCORP INC /NJ/ (UNTY) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View UNTY's current score at https://13fpro.ai/research/UNTY (free sign-up required for the full ranking).

Which hedge funds own the most UNTY stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of UNTY include BlackRock,, DIMENSIONAL FUND ADVISORS, BANC FUNDS CO. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/UNTY as soon as new 13F filings post.

Where does 13F Pro source UNTY data?

All UNITY BANCORP INC /NJ/ fundamentals and ownership data come directly from SEC EDGAR. UNITY BANCORP INC /NJ/ files with the SEC under CIK 920427. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is UNTY in?

UNITY BANCORP INC /NJ/ (UNTY) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is UNTY research updated on 13F Pro?

UNTY's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

UNITY BANCORP INC /NJ/(UNTY)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

UNTY Stock Analysis & AI Quality Score

AI stock analysis and institutional research for UNITY BANCORP INC /NJ/ (UNTY), a Financials sector company. UNTY is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), UNITY BANCORP INC /NJ/ reports quarterly revenue of $33.6M, net income of $14.3M, an operating margin of 55.0%. Top institutional holders of UNTY by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, BANC FUNDS CO, based on the most recent SEC filings. UNTY trades on the Nasdaq exchange and files with the SEC under CIK 920427. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate UNTY daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for UNITY BANCORP INC /NJ/ directly from SEC EDGAR.

Revenue

Q1 2026

$33.6M

Net Income

Q1 2026

$14.3M

Free Cash Flow

Q1 2026

$14.5M

Operating Margin

Q1 2026

55.0%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

+4.4% YoY

$41.5MFY 2024

FY21 $36.1MFY22 $38.5MFY23 $39.7MFY24 $41.5M

EPS (Diluted)

+5.7% YoY

$4.06FY 2024

FY21 $3.43FY22 $3.59FY23 $3.84FY24 $4.06

Total Assets

+2.9% YoY

$2.65BFY 2024

FY21 $2.03BFY22 $2.44BFY23 $2.58BFY24 $2.65B

Total Debt

-37.1% YoY

$230.8MFY 2024

FY21 $50.3MFY22 $393.3MFY23 $366.7MFY24 $230.8M

Op. Cash Flow

+2.3% YoY

$48.0MFY 2024

FY21 $32.5MFY22 $42.7MFY23 $46.9MFY24 $48.0M

Metric	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Net Income	$41.5M +4.4%	$39.7M +3.3%	$38.5M +6.5%	$36.1M +52.8%	$23.6M -0.0%	$23.7M
EPS (Diluted)	$4.06 +5.7%	$3.84 +7.0%	$3.59 +4.7%	$3.43 +56.6%	$2.19 +2.3%	$2.14
Total Assets	$2.65B +2.9%	$2.58B +5.5%	$2.44B +20.2%	$2.03B +3.8%	$1.96B +14.0%	$1.72B
Total Debt	$230.8M -37.1%	$366.7M -6.8%	$393.3M +681.8%	$50.3M -76.1%	$210.3M -28.3%	$293.3M
Operating Cash Flow	$48.0M +2.3%	$46.9M +9.9%	$42.7M +31.2%	$32.5M +45.7%	$22.3M -32.8%	$33.2M

AI Insight: UNTY Financial Trends

Equity has grown steadily from $273M to $358M over eight quarters, while net income nearly doubled from $9M to a peak of $16M, signaling solid capital accumulation.

• Net income rose from $9M in Q2 2024 to $16M in Q2 2025, a near-doubling, before stabilizing at $14M–$15M through Q1 2026.

• Equity expanded every quarter from $273M in Q2 2024 to $358M in Q1 2026, reflecting consistent retained earnings build.

• Total debt increased from $231M in Q4 2024 to $266M in Q4 2025, the only two quarters with debt data available.

• Operating cash flow is highly volatile, swinging from -$25M in Q2 2025 to +$46M in Q3 2025 and back to $7M in Q4 2025.

⚠ Op CF turned negative at -$25M in Q2 2025; recurring negative quarters would pressure liquidity despite strong net income.

⚠ Net income dipped from $16M peak in Q2 2025 to $14M in Q1 2026 — monitor whether the earnings plateau persists.

⚠ Debt data is sparse (only two quarters); fuller disclosure needed to assess leverage trajectory meaningfully.

AI Insight: UNTY Ratio Trends

UNTY's profitability has durably improved year-over-year, with ROA rising from 1.5% in Q2 2024 to 2.2% in Q2 2025, though Q4 seasonality repeatedly depresses ROIC.

• ROA expanded from 1.5% in Q2 2024 to a peak of 2.2% in Q2 2025, reflecting consistent year-over-year profitability improvement.

• ROE jumped to 20.6% in Q2 2025 from 13.8% in Q2 2024, a 680bp year-over-year gain.

• ROIC shows a recurring Q4 trough — collapsing to 11.0% in Q4 2024 and 12.9% in Q4 2025 — versus 20%+ in other quarters.

⚠ Q1 2026 ROE of 16.0% and ROA of 1.9% declined sequentially from Q4 2025 levels, reversing the prior year's Q1-to-Q2 recovery trend.

⚠ D/E data available only for Q4 2024 (0.78) and Q4 2025 (0.77) — insufficient to assess leverage trajectory across quarters.

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Available Research

13F Pro tracks comprehensive data for UNITY BANCORP INC /NJ/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of UNTY

BlackRock, Inc.
$26.3M507,933 sh
DIMENSIONAL FUND ADVISORS LP
$23.2M448,435 sh
BANC FUNDS CO LLC
$19.5M375,469 sh
ALLIANCEBERNSTEIN L.P.
$18.8M363,860 sh
VANGUARD CAPITAL MANAGEMENT LLC
$15.7M303,250 sh
AMERICAN CENTURY COMPANIES INC
$11.9M229,986 sh
WELLINGTON MANAGEMENT GROUP LLP
$10.1M195,402 sh
GEODE CAPITAL MANAGEMENT, LLC
$8.7M168,760 sh
Pacific Ridge Capital Partners, LLC
$8.2M158,849 sh
STATE STREET CORP
$7.7M147,909 sh

Fund	Value	Shares
BlackRock, Inc.	$26.3M	507,933
DIMENSIONAL FUND ADVISORS LP	$23.2M	448,435
BANC FUNDS CO LLC	$19.5M	375,469
ALLIANCEBERNSTEIN L.P.	$18.8M	363,860
VANGUARD CAPITAL MANAGEMENT LLC	$15.7M	303,250
AMERICAN CENTURY COMPANIES INC	$11.9M	229,986
WELLINGTON MANAGEMENT GROUP LLP	$10.1M	195,402
GEODE CAPITAL MANAGEMENT, LLC	$8.7M	168,760
Pacific Ridge Capital Partners, LLC	$8.2M	158,849
STATE STREET CORP	$7.7M	147,909

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Is UNTY a good stock to buy?

13F Pro's AI-powered analysis of UNITY BANCORP INC /NJ/ (UNTY) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for UNTY are available on the UNTY stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own UNTY?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling UNTY. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of UNITY BANCORP INC /NJ/'s investment landscape.