UNTY Stock Analysis: Buy, Sell, or Hold?
UNTY - Unity Bancorp
$56.35
0.89 (1.61%)
▲
5d:
+1.74%
30d:
+1.89%
90d:
+11.0%
HOLD
MODERATE Confidence
Analysis Updated: Jun 23, 2026 12:00 AM ET
Earnings: Jul 21, 2026
27d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: UNTY is fairly valued with market pricing in 0.9% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: UNTY is fairly valued with market pricing in 0.9% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$72.59
Based on 6.2% avg growth
INTRINSIC VALUE TODAY
$45.07
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 8.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UNTY is currently trading at $56.34, which is considered extended relative to its 30-day fair value range of $53.84 to $56.08. The stock's valuation (Forward PE: 8.8) is in line with its historical norms (8.5). At these levels, the market is pricing in 0.9% 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 $56.90. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $64.75 (+16.8%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, UNTY is showing sideways momentum. The price is approaching resistance at $56.90. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $64.75 (+16.8%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$53.84 -
$56.08
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
49.5%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($64.75)
- NEUTRAL: Market pricing in 0.9% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$53.84 -
$56.08
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$52.71
Resistance Level
$56.90
Current Trend
Sideways
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.77
Wall Street Target
$64.75
(+16.8%)
Revenue Growth (YoY)
16.1%
Earnings Growth (YoY)
23.9%
Profit Margin
45.8%
Valuation Premium vs History
+0.9% premium
PE vs Historical
8.8 vs 8.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.9%
(market-implied from PE analysis)
1-Year Target
$55.95
(+1%)
2-Year Target
$56.45
(+2%)
3-Year Target
$56.96
(+3%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$55.23
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 8.4%)
$175.46
(+216%)
Base:
(SPY PE: 8.8, Growth: 8.4%)
$70.63
(+27%)
Bear:
(PE: 7.5, Growth: 8.4%)
$60.03
(+8%)
📈
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: 9.32 | Current EPS (TTM): $5.95
Bull Case
$64.82
(+17%)
Analyst growth 6.3%, PE expands to 10.3
Base Case
$58.92
(+6%)
Market implied 6.3%, PE stable at 9.3
Bear Case
$37.69
(-32%)
Severe decline -20.0%, PE contracts to 7.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 23, 2026 2:45 PM ET
Data refreshes hourly during market hours. Next update: 3:45 PM
Data refreshes hourly during market hours. Next update: 3:45 PM
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Technical Signals Check
Is UNTY showing a specific setup today?
Insider Activity (6 Months)
0
Buys
8
Sells
Net
INSIDERS SELLING
Recent Transactions
Mary E Gross
SELL
2075 shares
2026-04-17
Robert H Dallas II
SELL
7725 shares
2026-03-13
Robert H Dallas II
SELL
7088 shares
2026-03-12
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