UNTY FINANCIAL STATEMENTS

Unity Bancorp Inc — balance sheet, income statement and cash flow trends

UNTYUnity Bancorp Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue211.1 M $+26.6%

Gross Profit134.4 M $+27.4%

Operating Income80.4 M $+40.9%

EBITDA81.7 M $+36.8%

Net Income60.6 M $+39.5%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
UNTY	—	—	—	28.7%
TSKB	—	—	—	54.9%
NWG	—	—	—	20.1%
ICBCT	—	—	—	24.7%
LLOY	—	—	—	25.9%
SKBNK	—	—	—	14.2%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity358.1 M $12%
Current Liabilities2.6 B $87%
Long-term Liabilities39.5 M $1%

Key Figures

YoY change

Total Assets3 B $+9.4%

Total Liabilities2.7 B $+8.4%

Total Equity358.1 M $+17.0%

Cash & ST Investments344.4 M $+14.0%

Total Debt258.6 M $+2.0%

Net Debt29.4 M $-30.0%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
UNTY	0.15	72.2%	-1.05	11.8%
TSKB	—	0.0%	-0.47	13.4%
NWG	0.25	17.0%	-14.68	5.2%
ICBCT	—	0.0%	-20.34	4.0%
LLOY	0.12	209.8%	5.39	5.0%
SKBNK	—	0.0%	-13.41	5.9%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
UNTY	0.15	72.2%	-1.05	11.8%
KRNY	42.94	138.9%	-0.96	10.0%
NFBK	7.13	128.4%	31.89	12.1%
GCBC	0.18	40.1%	-8.38	8.4%
CIVB	0.98	38.2%	2.44	12.8%
CBNK	0.72	14.6%	-3.03	10.7%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow42 M $-16.2%

Capital Expenditures1.6 M $+75.7%

Free Cash Flow40.4 M $-17.9%

Dividends Paid-5.8 M $-213.3%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
UNTY	19.9%	19.1%	0.7%	69.2%
TSKB	54.9%	71.9%	17.0%	100.0%
NWG	—	—	0.0%	—
ICBCT	24.7%	29.9%	5.1%	100.0%
LLOY	—	—	0.0%	—
SKBNK	14.2%	31.2%	17.0%	100.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
UNTY	19.9%	19.1%	0.7%	69.2%
KRNY	9.2%	8.9%	0.5%	88.8%
NFBK	24.1%	23.7%	0.4%	1,344.8%
GCBC	26.0%	25.4%	0.6%	95.5%
CIVB	21.0%	20.4%	0.6%	101.6%
CBNK	23.0%	22.1%	0.9%	124.7%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.