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Unity Bancorp (UNTY) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Unity Bancorp (UNTY) Q3 2026 earnings results →

Q3 2026 Revenue up 12% year over year to $36.6M · 47¢ of every $1 of revenue kept as net profit · operating margin 54.6%

Unity Bancorp made $36.6M in Q3 2026 (+12% Y/Y): Net interest income $34.3M, Noninterest income $2.4M. Operating margin 54.6%, net earnings $17.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.

Revenue$36.6M
Year over year+12%
Operating margin54.6%
Net earnings$17.4M
Operating cash flow$48.5M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $36.6M in Q3 2026, up 12% year over year and up 9% from the previous quarter. Net interest income was the largest line at 94% of revenue. Net interest income added $4.4M year over year (up 15%), 116% of the total change. Noninterest income declined 20%.

Operating profit was $20.0M, a 54.6% margin (down 2.9 points year over year). Of the extra revenue versus a year earlier, 30% reached operating profit, below the 57% margin then. Total costs grew 19% against revenue growth of 12%. The fastest-growing cost line was Credit loss provision (+74%). Net earnings were $17.4M, up 21% year over year. The effective tax rate was 13.1%.

Operating cash flow was $48.5M (up 9% year over year), 279% of net earnings. Non-cash charges added back $718K of share-based compensation. Working capital and other items added $30.4M. Capital expenditures of $313K left free cash flow of $48.2M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 5, 2026$36.6M+12%54.6%$17.4M$48.5M

Charts

Unity Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Unity Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Other financing$342MOther investing−$306MOperating cash flow$31.5MNet borrowing (+) / repaid (−)−$30.6MCash drawn (+) / kept (−)−$26.7MDividends−$6.3MBuybacks−$3.4MCapital spending−$716K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Unity Bancorp: profit against cash, quarter by quarterUnity Bancorp: profit against cash, quarter by quarterNet incomeOperating cash flow$11.5M$23.0MQ4 2024$11.6M$17.9MQ1 2025$16.5M−$24.4MQ2 2025$14.4M$44.6MQ3 2025$15.5M$6.8MQ4 2025$14.3M$14.9MQ1 2026$14.5M−$38.7MQ2 2026$17.4M$48.5MQ3 2026
Latest (Q3 2026): Net income $17.4M, Operating cash flow $48.5M.
Unity Bancorp: diluted shares by fiscal yearUnity Bancorp: diluted shares by fiscal year11MFY202011MFY202111MFY202210MFY202310MFY202410MFY2025
-5.5% since FY2020: buybacks shrank the count.
Unity Bancorp: long-term debt falling due (FY2025)Unity Bancorp: long-term debt falling due (FY2025)$30.0M2028$30.0M2029$20.0M2030$10.3MLater
Cash $217M, short-term investments —, long-term debt — at 2025-12-31.
Unity Bancorp in its industry: growth against margin (133 companies, SIC 6022)Unity Bancorp in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFUNTY (+12%, 55%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Unity Bancorp

This report, in Item 1, Item 7 and elsewhere, includes forward-looking statements within the meaning of Sections 27A of the Securities Act of 1933, as amended, and 21E of the Securities Exchange Act of 1934, as amended, that involve inherent risks and uncertainties. These forward-looking statements concern the financial condition, results of operations, plans, objectives, future performance and business of Unity Bancorp, Inc. and its subsidiaries, including statements preceded by, followed by or that include words or phrases such as “believes,” “expects,” “anticipates,” “plans,” “trend,” “objective,” “continue,” “remain,” “pattern” or similar expressions or future or conditional verbs such as “will,” “would,” “should,” “could,” “might,” “can,” “may” or similar expressions.

In its own words, from its 10-K, filed Mar 4, 2026.

Unity Bancorp against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +12% against the peers' median +12%. Operating margin: 54.6% against the peers' median 34.7%.

CompanyQuarterRevenueY/YOp. margin
UNTY Unity BancorpQ3 2026$36.6M+12%54.6%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: Unity Bancorp 10-Q on SEC EDGAR · CIK 920427 · State Commercial Banks

13F: who owns UNTY and who is buying

Largest holders of UNTY (13F)Largest holders of UNTY (13F)BlackRock$32.3MDimensional Fund Advisors LP$26.5MVanguard Group$22.1MBanc Funds Co LLC$21.7MAlliancebernstein L.P.$18.7MVanguard Capital Management LLC$17.8MAmerican Century Companies$15.6MGeode Capital Management, LLC$10.7MState Street$9.6MPacific Ridge Capital Partners, L…$9.3M
Funds' net buying of UNTY by quarter (13F)Funds' net buying of UNTY by quarter (13F)−$540K2024-09−$6.2M2024-12−$158K2025-03−$2K2025-06$5.0M2025-09−$1.9M2025-12$69K2026-03$15.7M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on UNTY

History

Every quarter: Q3 2026 results

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中文版：Unity Bancorp（UNTY）财报

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