UNTYUNITY BANCORP INC /NJ/
State Commercial Banks
- Revenue
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- Operating margin
- —
- EBITDA
- —
- Market cap
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- Employees
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- Net debt / EBITDA
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- $167M net debt
- AI in 10-K
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Red flags 1 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashFired77% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear24% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear0% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $36M | $38M | $40M | $41M | $58M | 40% |
| Operating cash flow | $33M | $43M | $47M | $48M | $45M | 6.4% |
| Capex | $1M | $1M | $955K | $693K | $564K | 19% |
| Stock-based comp | $2M | $2M | $2M | $2M | $2M | 15% |
| Buybacks | $4M | $42K | $16M | $6M | $5M | 19% |
| Dividends | $4M | $4M | $5M | $5M | $6M | 12% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $26K · 1
- Net
- −$26K
Pay vs performance
No pay-versus-performance disclosure yet.