Unity Bancorp Annual Income Statement (NASDAQ:UNTY)

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$16.55 $0.25 (1.53%) UNTY stock closing price Jan 23, 2017 (Closing)

Looking at financial statements, along with the Unity Bancorp stock price, it's management, its economic moat, and industry competitors forms an important part of fundamental analysis.   The income statement is a summary of the revenue, expenses and profitability (shown as Net Income) or lack of it. The income statement for UNTY which implies a YoY revenue growth of $5.29M is specific to a period of time. Investors typically check YoY or QoQ revenue growth. One also needs to look at Unity Bancorp assets, operating expenses and Unity Bancorp free cash flow. The profit and loss statement shows revenue of $49.38M for 2015. Revenue has grown by $5.29M YoY for UNTY stock. Unity Bancorp revenue for 2015 is $49.38M. View revenue and profit details for latest and last 10 financial years.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Unity Bancorp Net Sales or Revenues
49.38M44.09M40.55M42.54M45.18M49.1M51.55M53.45M54.84M50.81M
Cost Of Goods Sold (COGS)4.68M4.06M3.28M4.46M6.84M9.73M17.16M18.94M20.19M16.69M
Unity Bancorp Gross Profit
44.69M40.03M37.27M38.07M38.34M39.36M34.39M34.51M34.64M34.11M
Research & Development Expense----------
Selling General & Admin Expense27.35M27.23M26.34M28.29M31.31M32.24M31.94M27.43M23.66M22.59M
Income Before Depreciation Depletion Amortization17.34M12.79M10.92M9.77M7.02M7.12M2.44M7.07M10.97M11.52M
Depreciation Depletion Amortization----------
Non Operating Income----------
Interest Expense2.97M3.24M3.24M3.3M3.71M4.29M4.42M4.52M4.27M2.37M
Unity Bancorp Pretax Income
14.36M9.55M7.68M6.47M3.31M2.82M-1.97M2.54M6.7M9.14M
Provision for Income Taxes4.81M3.14M2.56M2.22M0.76M0.58M-0.89M0.61M1.97M2.94M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations9.55M6.4M5.11M4.24M2.54M2.24M-1.08M1.93M4.72M6.2M
Extraordinary Items & Discontinued Operations----------
Unity Bancorp Net Income (Profit/Loss)
9.55M6.4M5.11M4.24M2.54M2.24M-1.08M1.93M4.72M6.2M
Average Shares used to compute Diluted EPS9.38M8.74M8.59M8.57M8.51M8.19M7.83M7.97M8.28M8.38M
Average Shares used to compute Basic EPS9.27M8.64M8.3M8.22M8.07M7.89M7.83M7.81M7.97M7.98M
Income Before Nonrecurring Items9.56M6.41M5.12M4.24M2.55M2.24M0.63M1.93M5.1M5.85M
Income from Nonrecurring Items-------1.71M--0.38M-
Unity Bancorp Earnings Per Share Basic Net
1.030.750.500.320.120.09-0.330.240.590.73
Unity Bancorp Earnings Per Share Diluted Net
1.020.740.480.310.120.09-0.330.230.570.70
EPS Diluted Before Nonrecurring Items1.020.740.480.310.120.09-0.110.230.610.70
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.130.090.03----0.130.170.16
All figures in USD. M: Millions of USD, B: Billions of USD.
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The key things to look for in an income statement while doing Unity Bancorp stock analysis are:
  • Revenue: The money received by selling of goods or services comes under this line item. A YoY growth (See: Unity Bancorp revenue chart) implies that the company is growing, which has been the case with Unity Bancorp. One must stay away from stocks whose revenues are declining.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $49.38M - other expenses = $9.55M for UNTY stock. An improving bottomline implies that the company is growing profits.
The income statement is also called statement of revenue and expense. The financials along with Unity Bancorp historical stock prices provides a lot of details about the firm. .

Unity Bancorp Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
12.3510
PS ratio (
price sales ratio
)
2.8583
Operating margin
37.4
Net profit margin
21.2
Dividend yield
1.03%