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Unity Bancorp Inc

NAS:UNTYFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$56.40+1.49%At closeAt close · Tue 20 Oct · ≈ AED 207.13 · Market cap $566.4M · Next earnings Thu 21 Jan

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	76.4%	91.7%	86.2%	65.7%	62.5%	67.9%	—	—
Operating margin	34.2%	50.3%	47.5%	35.2%	33.4%	40.1%	40.1%	+0.0 pts
Net margin	26.0%	37.7%	35.5%	26.3%	25.4%	30.8%	30.8%	+0.0 pts
EBITDA margin	36.3%	51.9%	50.0%	36.7%	34.9%	41.6%	—	—
Return on equity	13.6%	17.6%	16.1%	15.2%	14.0%	16.8%	16.8%	+0.0 pts
Return on assets	1.2%	1.8%	1.6%	1.5%	1.6%	2.0%	2.0%	+0.0 pts
Return on capital employed	7.9%	18.4%	8.1%	8.4%	9.9%	12.3%	—	—
Debt / equity	1.2×	0.3×	1.7×	1.4×	0.8×	0.8×	0.8×	+0.0%
Debt / assets	10.9%	2.7%	16.3%	14.2%	8.7%	9.0%	—	—
Interest coverage	2.1×	6.2×	4.8×	1.1×	1.0×	1.3×	—	—
Current ratio	0.1×	0.2×	0.1×	0.2×	0.1×	0.2×	0.2×	+0.0%
Quick ratio	0.1×	0.2×	0.1×	0.2×	0.1×	0.2×	—	—
Cash ratio	0.0×	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.1×	0.1×	—	—
Receivables turnover	7.9×	10.0×	8.1×	11.1×	12.8×	14.6×	—	—
Dividend payout	13.9%	10.0%	11.4%	11.9%	12.1%	9.7%	—	—