All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2017; the latest 2023-03-17.
From the record
Unity Bancorp, Inc.'s filings since 2017 show 2 warning events: an auditor change (8-K item 4.01, 2 times, the latest 2023-03-17) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+15.6% a year over 10 filed years; profitable in 10 of 10.
From the record
Unity Bancorp, Inc.'s 10 filed years say what it did: revenue went from $47 million in fiscal 2016 to $174 million in fiscal 2025, up 15.6% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 1.5% a year. 30% of cash flow returned. Insiders: 13 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Unity Bancorp, Inc.'s diluted share count shrank about 1.5% a year, and dividends and buybacks returned about 30% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 13 sales and 0 purchases of their own stock on the open market in the year to 2026-10-29 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 17%: 17¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Unity Bancorp, Inc. earned about 17 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count grew 0.2% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 37% of 155 in its family; net margin 33.4%.
From the record
Unity Bancorp, Inc.'s standing among 155 graded names in its industry family: revenue of $174 million in fiscal 2025 ranks in the bottom 33% by size; a net margin of 33.4% ranks in the top 9%; revenue growth of 19.9% a year over the last 3 filed years ranks in the top 37% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 20% of 150 in its family for leadership; chief executive since 2007.
From the record
Unity Bancorp, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Hughes, James A (CEO, as filed), filing under that title since 2007-01-29, 19.8 years (top 5% of its family); the 16 officers and directors filing in the last fifteen months have been on the record a median of 14.4 years (top 5%); 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 16 people in charge now (top 50%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 33% of 142 in its family for room to expand.
From the record
Unity Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $217 million against debt of $266 million leaves -1.7% of its assets as net cash, bottom 7% of its family; cash from operations less capital spending is 25.5% of revenue (top 42%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 47% of 152 in its family for growth drivers.
From the record
Unity Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 19.9% a year over the last three filed years against 15.6% over all 10, speeding up (top 47% of its family); the newest year grew 11.5% (top 23%); capital spending grew -27.5% a year (bottom 12%) (its annual reports). Unity Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 19% of 150 in its family for expectations against reality.
From the record
Unity Bancorp, Inc.'s newest year against its own record: revenue of $174 million in fiscal 2025 came in 10.3% below the $194 million its prior three years' pace pointed to (top 33% of its family); net income of $58 million against a prior three-year average of $40 million (top 13%); a net margin of 33.4% against 30.8% before (top 12%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made