Unity Bancorp, Inc. (UNTY)

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Unity Bancorp, Inc.

UNTY • CIK 0000920427

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Interest Income (Expense), Net	$94,997	$98,611	$117,033	$123,783
Financing Receivable, Credit Loss, Expense (Reversal)	$1,832	$2,407	$6,699	$5,699
Off-Balance Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal)	—	$1	$66	$104
Interest Income (Expense), after Provision for Loan Loss	$91,829	$94,662	$113,092	$118,768
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$52,995	$54,390	$75,512	$75,698
Income Tax Expense (Benefit)	$13,288	$12,940	$17,561	$17,076
Net Income (Loss) Attributable to Parent	$39,707	$41,450	$57,951	$58,622
Weighted Average Number of Shares Outstanding, Basic	10,207,000	10,031,000	10,033,000	10,016,000
Weighted Average Number of Shares Outstanding, Diluted	10,338,000	10,202,000	10,223,000	10,204,000
Interest Income, Deposits with Financial Institutions	$1,724	$2,033	$1,964	$2,158
Interest and Dividend Income, Operating	$143,494	$155,738	$173,628	$182,041
Interest Expense, Savings Deposits	$11,239	$13,006	$11,652	$12,792
Interest Expense, Time Deposits	$17,340	$22,918	$25,571	$25,007
Interest Expense, Borrowings	$14,612	$5,615	$4,236	$3,909
InterestExpenseOperating	—	$57,127	$56,595	$58,258
Gain (Loss) on Sale of Mortgage Loans	$1,546	$1,488	$1,527	$1,829
Bank Owned Life Insurance Income	$852	$544	$774	$870
Debt and Equity Securities, Gain (Loss)	$7	$586	$5,596	$1,320
Noninterest Income, Other Operating Income	$1,513	$1,635	$1,629	$1,691
Noninterest Income	$8,142	$8,469	$14,779	$11,660
Labor and Related Expense	$29,051	$29,749	$32,186	$33,466
Communications and Information Technology	$2,994	$3,473	$4,193	$4,504
Occupancy, Net	$3,087	$3,184	$3,407	$3,547
Equipment Expense	$2,780	$3,140	$3,224	$3,237
Professional Fees	$1,563	$1,683	$1,758	$1,988
Marketing and Advertising Expense	$1,436	$1,611	$1,682	$1,670
Loan Portfolio Expense	$918	$1,138	$888	$1,445
Federal Deposit Insurance Corporation Premium Expense	$1,715	$1,100	$1,174	$1,220
Other Noninterest Expense	$2,585	$2,707	$2,554	$2,590
Noninterest Expense	$46,976	$48,741	$52,359	$54,730
Interest Income, Securities, Operating, Taxable	$7,271	$7,312	$6,818	$6,097
Interest Income, Securities, Operating, Tax Exempt	$72	$70	$71	$78
Interest and Dividend Income, Securities, Operating	$7,343	$7,382	$6,889	$6,175
Interest and Fee Income, Loans, Commercial	$76,966	$87,773	$95,144	$96,673
Interest and Fee Income, Loans, Consumer, Real Estate	$34,194	$37,770	$41,925	$42,912
Interest and Fee Income, Loans and Leases	$133,058	$145,534	$164,210	$173,181

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash and Due from Banks	$20,668	$20,206	$19,841	$28,267
Interest-bearing Deposits in Banks and Other Financial Institutions	$174,108	$160,232	$196,678	$222,054
Cash, Cash Equivalents, and Federal Funds Sold	$194,776	$180,438	$216,519	$250,321
Property, Plant and Equipment, Net	$19,567	$18,778	$18,022	$17,878
Bank Owned Life Insurance	$25,230	$25,773	$26,547	$26,977
Deferred Income Tax Assets, Net	$12,552	$14,106	$14,640	$15,975
Federal Home Loan Bank Stock	$18,435	$12,507	$14,314	$17,401
Interest Receivable	$13,582	$12,691	$12,896	$12,988
Goodwill	$1,500	$1,516	$1,516	$1,516
Other Real Estate	—	—	$1,472	$1,472
Prepaid Expense and Other Assets	$10,951	$9,311	$24,340	$82,542
Assets	$2,578,507	$2,654,017	$2,966,652	$3,194,313
DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss	—	—	$70,870	$68,814
DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss	$36,122	$41,294	$36,576	$37,707
EquitySecuritiesFvNiCurrentAndNoncurrent	$7,802	$9,850	$16,569	$14,372
Marketable Securities	$135,689	$145,028	$124,015	$119,300
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss	$2,172,063	$2,260,657	$2,544,713	$2,682,494
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest	$25,854	$26,788	$32,342	$34,551
FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss	$2,146,209	$2,233,869	$2,512,371	$2,647,943
Advances from Federal Home Loan Banks	$356,438	$220,504	$255,774	$316,123
Subordinated Debt	$10,310	$10,310	$10,310	$10,310
Interest Payable	$1,924	$1,702	$2,138	$2,758
Accrued Liabilities and Other Liabilities	$24,265	$25,605	$28,738	$30,760
Liabilities	$2,317,077	$2,358,434	$2,621,021	$2,822,500
Common Stock, Value, Outstanding	$100,426	$103,936	$105,892	$106,701
Retained Earnings (Accumulated Deficit)	$191,108	$227,331	$243,935	$269,486
Treasury Stock, Common, Value	$27,367	$33,577	$3,101	$3,425
Accumulated Other Comprehensive Income (Loss), Net of Tax	$-2,737	$-2,107	$-1,095	$-949
Stockholders' Equity Attributable to Parent	$261,430	$295,583	$345,631	$371,813
Noninterest-bearing Deposit Liabilities, Domestic	$419,636	$440,803	$465,596	$487,132
Interest-bearing Deposit Liabilities, Domestic	$313,352	$321,780	$369,131	$380,473
Deposits, Savings Deposits	$565,088	$491,175	$535,044	$566,649
Deposits	$1,924,140	$2,100,313	$2,324,061	$2,462,549
DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest	$1,283	$2,824	$0	$0
DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss	$97,554	$100,212	$72,474	$68,814
Preferred Stock, Shares Authorized	—	500,000	500,000	500,000
Preferred Stock, Shares Issued	—	0	0	0
Common Stock, Shares Authorized	12,500,000	12,000,000	12,000,000	12,000,000
Common Stock, Shares, Issued	11,424,000	11,616,000	10,048,000	10,116,000
Common Stock, Shares, Outstanding	10,063,000	10,026,000	9,982,000	10,043,000
Treasury Stock, Common, Shares	1,361,000	1,590,000	66,000	73,000

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest	$39,707	$41,450	$57,951	$58,622
Net Cash Provided by (Used in) Operating Activities	$46,909	$47,987	$44,906	$28,546
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	$79,983	$-14,338	$36,081	$-43,412
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$194,776	$180,438	$216,519	$234,086
Financing Receivable, Credit Loss, Expense (Reversal)	$1,832	$2,407	$6,699	$5,699
Payments to Acquire Held-to-maturity Securities	$100	$5,000	$5,000	—
Payments to Acquire Marketable Securities	$126	$2,247	$2,666	$2,699
Accretion (Amortization) of Discounts and Premiums, Investments	$264	$256	$85	$209
Payments to Acquire Debt Securities, Available-for-sale	$650	$10,500	$15,448	$10,948
Deferred Income Tax Expense (Benefit)	$-87	$-1,747	$-840	$-1,510
Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities	$5,339	$100	$4,784	$-109
Debt and Equity Securities, Gain (Loss)	$7	$586	$5,596	$1,320
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale	$4,286	$7,824	$37,199	$36,045
Share-based Payment Arrangement, Noncash Expense	$1,751	$1,823	$2,092	$2,199
Proceeds from Sale of Debt Securities, Available-for-sale	—	—	$1,000	$1,000
Proceeds from Sale of Equity Method Investments	$2,166	$785	$6,558	$2,259
Payments for (Proceeds from) Loans and Leases	$69,177	$89,890	$285,892	$300,163
Bank Owned Life Insurance Income	$852	$544	$774	$870
Payments to Acquire Property, Plant, and Equipment	$955	$693	$564	$617
Increase (Decrease) in Operating Capital	—	—	$12,292	$34,641
Net Cash Provided by (Used in) Investing Activities	$-57,847	$-92,813	$-256,836	$-276,336
Increase (Decrease) in Deposits	$136,612	$176,173	$223,748	$275,183
Proceeds from (Repayments of) Short-term Debt	—	$-137,000	$30,000	$-500
Proceeds from (Repayments of) Long-term Debt and Capital Securities	—	$1,066	$5,270	$-25,609
Payments of Ordinary Dividends, Common Stock	$4,721	$5,021	$5,609	$6,022
Payments for Repurchase of Common Stock	$15,692	$6,210	$5,039	$3,425
Net Cash Provided by (Used in) Financing Activities	$90,921	$30,488	$248,011	$204,378
Interest Paid, Excluding Capitalized Interest, Operating Activities	$47,264	$57,349	$56,159	$56,966
Income Taxes Paid, Net	—	—	$14,033	$10,652
Right-of-Use Asset Obtained in Exchange for Operating Lease Liability	$1,749	—	$725	$725
Real Estate Owned, Transfer to Real Estate Owned	$251	$251	$1,472	$1,472

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Import this data to Google Sheets with:

=jivedata("UNTY","financials")

Full statements spill as a table. For one cell: =jivedata("UNTY","Revenue") or =jivedata("UNTY","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.