Filing Flows › Unity Bancorp (UNTY) › Q3 2026
Unity Bancorp (UNTY) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
Unity Bancorp (UNTY) reported revenue of $36.6M for the third quarter 2026 (Q3 2026), +12% from a year earlier and +9% from the quarter before. Operating margin was 54.6%, net earnings $17.4M (47.4% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $36.6M | +9% | +12% |
| Operating profit | $20.0M | +7% | +6% |
| Net earnings | $17.4M | +20% | +21% |
| Operating cash flow | $48.5M | — | +9% |
| Free cash flow | $48.2M | — | +8% |
What changed
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.
Questions
What was Unity Bancorp's revenue in the third quarter 2026?
Unity Bancorp (UNTY) reported revenue of $36.6M for the third quarter 2026 (Q3 2026), +12% from a year earlier and +9% from the quarter before.
Was Unity Bancorp profitable in the third quarter 2026?
Operating profit was $20.0M (54.6% of revenue) and net earnings $17.4M.
Source: Unity Bancorp 10-Q on SEC EDGAR.