Filing Flows › Unity Bancorp (UNTY) › Q3 2026 › vs Q3 2025
Unity Bancorp (UNTY) Q3 2026 vs Q3 2025 (year over year)
Unity Bancorp's revenue rose $3.8M (+12%) from $32.8M in Q3 2025 to $36.6M in Q3 2026. The biggest changes: Net interest income +$4.4M (+15%); Noninterest income −$608K (-20%). Operating margin 54.6% against 57.5% (-2.9 pts).
Unity Bancorp, Q3 2026: revenue $36.6M (+12% year over year), operating margin 54.6%, net earnings $17.4M, operating cash flow $48.5M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 54.6% | 57.5% | -2.9 pts |
| Net margin | 47.4% | 43.9% | +3.6 pts |
| Free cash flow margin | 131.5% | 135.3% | -3.8 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $34.3M | $29.9M | $4.4M | +15% |
| Noninterest income | $2.4M | $3.0M | −$608K | -20% |
| Revenue | $36.6M | $32.8M | $3.8M | +12% |
| Operating profit | $20.0M | $18.9M | $1.1M | +6% |
| Costs & expenses | $16.6M | $14.0M | $2.7M | +19% |
| Pre-tax earnings | $20.0M | $18.9M | $1.1M | +6% |
| Credit loss provision | $941K | $542K | $399K | +74% |
| Noninterest expense | $15.6M | $13.4M | $2.2M | +16% |
| Net earnings | $17.4M | $14.4M | $3.0M | +21% |
| Income tax | $2.6M | $4.5M | −$1.8M | -41% |
| Share-based compensation | $718K | $536K | $182K | +34% |
| Working capital & other | $30.4M | $29.7M | $705K | +2% |
| Operating cash flow | $48.5M | $44.6M | $3.9M | +9% |
| Free cash flow (OCF − capex) | $48.2M | $44.4M | $3.8M | +8% |
| Capital expenditures | $313K | $214K | $99K | +46% |
Questions
How much did Unity Bancorp's revenue grow year over year in Q3 2026?
Unity Bancorp's revenue rose $3.8M (+12%) from $32.8M in Q3 2025 to $36.6M in Q3 2026.
What drove Unity Bancorp's revenue change in Q3 2026?
Net interest income +$4.4M (+15%); Noninterest income −$608K (-20%).