UNTYUNITY BANCORP INC /NJ/
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $576M
- Employees
- —
- Net debt / EBITDA
- —
- $167M net debt
- AI in 10-K
- 4.1
- mentions per 10K words
Takeover score 2 of 13
Fixable underperformance 1 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashYes77% of net incomeCash flow under 80% of net income
- Dilutive SBCNo—Over 10% of revenue
- Payouts exceed cash flowNo24% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo0% of assetsOver 40% of assets
- Shareholder dissentNo94% lowest supportAny vote under 80% support
Buyer economics 1 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AINo4.1 per 10K words · 79th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$576M market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$2M netNet sales over $10M in 12 months
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
- $2M · 13
- Net
- −$2M
Pay vs performance
No pay-versus-performance disclosure yet.