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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
Net income for Q3 2025 was $14.4 million ($1.41 per diluted share), up from $10.9 million ($1.07 per share) in Q3 2024, with ROA at 2.11% and ROE at 17.41%, both higher year-over-year.
Net interest margin expanded to 4.54%, up from 4.16% last year and 5 bps sequentially, driven by higher yields and volumes.
Loans grew by $85.9 million (3.6%) and deposits by $80.1 million (3.7%) from the previous quarter, with total assets reaching $2.9 billion.
Opened 22nd branch in Madison, NJ, expanding presence in Morris County.
Noninterest income increased 5.9% year-over-year, mainly from higher gains on SBA loan sales, while noninterest expense rose 11.7% due to higher compensation and processing costs.
Financial highlights
Net income for the nine months ended September 30, 2025 was $42.5 million ($4.15 per diluted share), up from $29.9 million ($2.94 per share) in the prior year period.
Net interest income for the quarter was $29.9 million, up $5.0 million year-over-year and $1.3 million sequentially; for the nine months, it was $85.7 million, up $13.5 million.
Noninterest income for the quarter was $4.0 million, up from $3.8 million year-over-year, but down $2.8 million sequentially due to a 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.
Outlook and guidance
Management continues to monitor macroeconomic trends, including interest rate pressures and inflation, and believes current liquidity sources are sufficient.
The company expects no material impact from recently adopted or pending accounting standards.
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.
Nonaccrual assets increased. What is the outlook for credit quality?
NIM expanded 5 bps. What is the NIM outlook?
How will unrealized losses on securities be managed?
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Next Unity Bancorp earnings date
Q4 202512 Jan, 2026
Next Unity Bancorp earnings date
Q4 202512 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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