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Unity Bancorp (UNTY) investor relations material
Unity Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Oct, 2025
Executive summary
Reported net income of $14.4 million ($1.41 per diluted share) for Q3 2025, with ROA of 2.11% and ROE of 17.41%.
Net interest margin expanded to 4.54%, up 5 bps sequentially, driven by higher yields on interest-earning assets.
Loans grew by $85.9 million (3.6%) and deposits by $80.1 million (3.7%) from the previous quarter.
Opened 22nd branch in Madison, NJ, expanding presence in Morris County.
Financial highlights
Net interest income was $29.9 million, up $1.3 million sequentially.
Noninterest income was $3.0 million, down $2.8 million due to prior quarter's one-time gain.
Noninterest expense increased to $13.4 million, mainly from higher compensation and processing costs.
Book value per share rose to $33.26, up from $29.48 at year-end 2024.
For the nine months ended September 30, 2025, net income was $42.5 million ($4.15 per diluted share), up 41.9% year-over-year.
Outlook and guidance
Management targets mid- to high-single digit growth in loans and deposits for the remainder of 2025 and beyond.
Well-positioned to benefit from Federal Reserve rate cuts and economic stimulus.
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Next Unity Bancorp earnings date
Q4 202513 Jan, 2026
Next Unity Bancorp earnings date
Q4 202513 Jan, 2026
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Frequently asked questions
Unity Bancorp, Inc. operates as the bank holding company for Unity Bank, a community-focused financial institution. The company provides a range of commercial and retail banking services, targeting individuals, small and medium-sized businesses, and professionals primarily in New Jersey and eastern Pennsylvania. Key offerings include personal and business checking accounts, savings accounts, time deposits, and money market accounts. Unity Bancorp also offers various loan products, including commercial loans, Small Business Administration (SBA) loans, residential mortgages, and consumer loans. Additionally, the bank provides services such as online and mobile banking, wire transfers, credit and debit cards, and safe deposit boxes. The company is headquartered in Clinton, New Jersey, and its shares are listed on the NASDAQ.
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