SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Unity Bancorp, Inc. (UNTY) trades at a trailing P/E of 9.6, forward P/E of 9.3. Trailing earnings yield is 10.41%, forward earnings yield 10.80%. PEG 0.24 (Peter Lynch undervalued ≤1.0). Graham Number is $67.08.
Criteria proven by this page:
- VALUE (83/100, Pass) — P/E is below market average (9.6); PEG ≤ 1.0 — Peter Lynch undervalued (0.24); analyst target implies upside (+20%); earnings yield beats bond yields (10.41%).
- Forward P/E 9.3 (down from trailing 9.6) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.24 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 10.41% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 10.80% as earnings recover.
- Analyst consensus target $65.00 (+20% upside) — significant upside potential according to Wall Street analysts.
Overall SharesGrow Score: 76/100 with 5/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
83/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
17/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — UNTY
Valuation Multiples
P/E (TTM)9.6
Forward P/E9.3
PEG Ratio0.24
Forward PEG2.89
P/B Ratio1.61
P/S Ratio2.71
EV/EBITDA7.9
Per Share Data
EPS (TTM)$5.79
Forward EPS (Est.)$5.85
Book Value / Share$34.54
Revenue / Share$20.57
FCF / Share$4.34
Yields & Fair Value
Earnings Yield10.41%
Forward Earnings Yield10.80%
Dividend Yield1.08%
Graham Number$67.08
SharesGrow IV$123.94 (+128.8%)
Analyst Target$65.00 (+20%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
11.2 |
0.31 |
1.39 |
2.69 |
1.03% |
| 2017 |
16.2 |
-1.26 |
1.77 |
3.31 |
1.14% |
| 2018 |
10.2 |
0.15 |
1.61 |
2.91 |
1.26% |
| 2019 |
10.3 |
1.51 |
1.52 |
2.91 |
1.33% |
| 2020 |
7.9 |
5.78 |
1.08 |
2.06 |
1.75% |
| 2021 |
7.6 |
0.13 |
1.33 |
2.85 |
1.32% |
| 2022 |
7.5 |
1.36 |
1.20 |
2.65 |
1.52% |
| 2023 |
7.6 |
1.21 |
1.16 |
2.00 |
1.56% |
| 2024 |
10.6 |
1.71 |
1.48 |
2.68 |
1.15% |
| 2025 |
9.0 |
0.22 |
1.50 |
2.75 |
1.08% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$1.38 |
$55.01M |
$13.21M |
24% |
| 2017 |
$1.20 |
$62.93M |
$12.89M |
20.5% |
| 2018 |
$2.01 |
$76.45M |
$21.92M |
28.7% |
| 2019 |
$2.14 |
$84.11M |
$23.65M |
28.1% |
| 2020 |
$2.19 |
$91.02M |
$23.64M |
26% |
| 2021 |
$3.43 |
$95.78M |
$36.12M |
37.7% |
| 2022 |
$3.59 |
$108.27M |
$38.46M |
35.5% |
| 2023 |
$3.84 |
$150.72M |
$39.71M |
26.3% |
| 2024 |
$4.06 |
$163.07M |
$41.45M |
25.4% |
| 2025 |
$5.67 |
$188.41M |
$57.95M |
30.8% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$5.83 |
$5.74 – $5.90 |
$139.87M |
$138.89M – $140.84M |
2 |
| 2027 |
$6.53 |
$6.16 – $6.89 |
$151.79M |
$148.61M – $154.95M |
2 |
