Unity Bancorp (UNTY) Stock: Buy, Sell, or Hold?
UNTY - Unity Bancorp
$58.11
1.53 (2.70%)
▲
5d:
+3.66%
30d:
+1.84%
90d:
+0.11%
WAIT
LOW Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Oct 13, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: UNTY shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: UNTY shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$71.45
Based on 5.0% avg growth
INTRINSIC VALUE TODAY
$44.36
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UNTY is currently trading at $58.11, which is considered extended relative to its 30-day fair value range of $54.66 to $58.05. The stock's valuation (Forward PE: 9.1) is in line with its historical norms (8.8). At these levels, the market is pricing in 1.4% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, UNTY is showing sideways momentum. The price is approaching resistance at $58.47. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 43/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $68.60 (+18.1%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, UNTY is showing sideways momentum. The price is approaching resistance at $58.47. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 43/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $68.60 (+18.1%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$54.66 -
$58.05
Company Quality Score
46/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
49.5%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (43/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($68.60)
- NEUTRAL: Market pricing in 1.4% annual earnings growth - fairly valued
- WARNING: Composite score 46/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$54.66 -
$58.05
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$54.06
Resistance Level
$58.47
Current Trend
Sideways
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.13
Wall Street Target
$68.60
(+18.1%)
Revenue Growth (YoY)
10.3%
Earnings Growth (YoY)
20.6%
Profit Margin
46.1%
Valuation Premium vs History
+1.4% premium
PE vs Historical
9.1 vs 8.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.4%
(market-implied from PE analysis)
1-Year Target
$58.92
(+1%)
2-Year Target
$59.75
(+3%)
3-Year Target
$60.58
(+4%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$58.37
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 6.0%)
$150.63
(+159%)
Base:
(SPY PE: 9.1, Growth: 6.0%)
$69.28
(+19%)
Bear:
(PE: 7.8, Growth: 6.0%)
$58.88
(+1%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 9.37 | Current EPS (TTM): $6.04
Bull Case
$65.56
(+13%)
Analyst growth 5.3%, PE expands to 10.3
Base Case
$59.60
(+3%)
Market implied 5.3%, PE stable at 9.4
Bear Case
$38.47
(-34%)
Severe decline -20.0%, PE contracts to 8.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 23, 2026 2:15 AM ET
Data refreshes hourly during market hours. Next update: 3:15 AM
Data refreshes hourly during market hours. Next update: 3:15 AM
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Technical Signals Check
Is UNTY showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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