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/company/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/company/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

60.6/100

Rank #846 of 2,962 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

70.4/100

Profitability

96.8/100

Balance Sheet

52.2/100

Earnings Quality

18.8/100

Free Cash Flow

72.8/100

Institutional Flow

53.5/100

Revenue Scale

19.4/100

Dilution Risk

44.8/100

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Why UNTY Scores 61/100

exact factor attribution · 2026-09-11

UNTY's composite is driven by profitability and revenue growth, held back by scale and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+9.4 pts

97th pct

Revenue growth

+5.4 pts

70th pct

Free cash flow

+3.4 pts

73th pct

Earnings growth

+1.7 pts

75th pct

Capital efficiency

+0.3 pts

52th pct

Institutional flow

+0.2 pts

54th pct

Shareholder dilution

-0.3 pts

45th pct

Earnings quality

-3.1 pts

19th pct

Scale

-6.1 pts

19th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

UNTY Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for UNITY BANCORP INC /NJ/ (UNTY), a Financials sector company. 13F Pro's AI-powered ranking engine scores UNTY at 60.6/100 on a 32-signal composite quality model, placing it at rank #846 of 2,962 stocks — the top half of the AI-ranked universe. UNTY scores in the top quartile across profitability (96.8). Areas of concern include earnings quality (18.8) and revenue scale (19.4), which score below median versus the broader universe. Shareholder dilution risk is elevated at 44.8/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), UNITY BANCORP INC /NJ/ reports quarterly revenue of $33.7M, net income of $14.5M, an operating margin of 55.3%. Top institutional holders of UNTY by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, BANC FUNDS, 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. UNITY BANCORP INC /NJ/'s 13F Pro composite quality score has ranged between 35 and 62 since 2026, currently 60.6 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

Revenue

Q2 2026

$33.7M

Net Income

Q2 2026

$14.5M

Free Cash Flow

Q2 2026

$-38.8M

Operating Margin

Q2 2026

55.3%

ROIC

Q2 2026

20.1%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+23.1% YoY

$131.8MFY 2025

FY22 $98.2MFY23 $103.1MFY24 $107.1MFY25 $131.8M

Net Income

+39.8% YoY

$58.0MFY 2025

FY22 $38.5MFY23 $39.7MFY24 $41.5MFY25 $58.0M

EPS (Diluted)

+39.7% YoY

$5.67FY 2025

FY22 $3.59FY23 $3.84FY24 $4.06FY25 $5.67

Total Assets

+11.8% YoY

$2.97BFY 2025

FY22 $2.44BFY23 $2.58BFY24 $2.65BFY25 $2.97B

Total Debt

+15.3% YoY

$266.1MFY 2025

FY22 $393.3MFY23 $366.7MFY24 $230.8MFY25 $266.1M

Op. Cash Flow

-6.4% YoY

$44.9MFY 2025

FY22 $42.7MFY23 $46.9MFY24 $48.0MFY25 $44.9M

Free Cash Flow

-6.2% YoY

$44.3MFY 2025

FY22 $41.2MFY23 $46.0MFY24 $47.3MFY25 $44.3M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$131.8M +23.1%	$107.1M +3.8%	$103.1M +5.1%	$98.2M +10.2%	$89.1M +15.1%	$77.4M
Net Income	$58.0M +39.8%	$41.5M +4.4%	$39.7M +3.3%	$38.5M +6.5%	$36.1M +52.8%	$23.6M
EPS (Diluted)	$5.67 +39.7%	$4.06 +5.7%	$3.84 +7.0%	$3.59 +4.7%	$3.43 +56.6%	$2.19
Total Assets	$2.97B +11.8%	$2.65B +2.9%	$2.58B +5.5%	$2.44B +20.2%	$2.03B +3.8%	$1.96B
Total Debt	$266.1M +15.3%	$230.8M -37.1%	$366.7M -6.8%	$393.3M +681.8%	$50.3M -76.1%	$210.3M
Operating Cash Flow	$44.9M -6.4%	$48.0M +2.3%	$46.9M +9.9%	$42.7M +31.2%	$32.5M +45.7%	$22.3M
Free Cash Flow	$44.3M -6.2%	$47.3M +2.9%	$46.0M +11.6%	$41.2M +31.7%	$31.3M +43.7%	$21.8M

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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.
$32.3M550,326 sh
DIMENSIONAL FUND ADVISORS LP
$26.5M452,070 sh
BANC FUNDS CO LLC
$21.7M370,469 sh
ALLIANCEBERNSTEIN L.P.
$18.7M361,720 sh
VANGUARD CAPITAL MANAGEMENT LLC
$17.8M302,925 sh
AMERICAN CENTURY COMPANIES INC
$15.6M265,764 sh
GEODE CAPITAL MANAGEMENT, LLC
$10.7M182,802 sh
STATE STREET CORP
$9.6M164,203 sh
Pacific Ridge Capital Partners, LLC
$9.3M157,618 sh
MORGAN STANLEY
$8.4M143,502 sh

Fund	Value	Shares
BlackRock, Inc.	$32.3M	550,326
DIMENSIONAL FUND ADVISORS LP	$26.5M	452,070
BANC FUNDS CO LLC	$21.7M	370,469
ALLIANCEBERNSTEIN L.P.	$18.7M	361,720
VANGUARD CAPITAL MANAGEMENT LLC	$17.8M	302,925
AMERICAN CENTURY COMPANIES INC	$15.6M	265,764
GEODE CAPITAL MANAGEMENT, LLC	$10.7M	182,802
STATE STREET CORP	$9.6M	164,203
Pacific Ridge Capital Partners, LLC	$9.3M	157,618
MORGAN STANLEY	$8.4M	143,502

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Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.

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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. UNTY is classified as a small company.

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.