Unity Bancorp [UNTY] vs U.S. Bancorp [USB] Detailed Stock Comparison
Unity Bancorp
NASDAQ
Loading...
U.S. Bancorp
NYSE
Loading...
TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Unity Bancorp wins in 11 metrics, U.S. Bancorp wins in 7 metrics, with 0 ties. Unity Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Unity Bancorp | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 10.49 | 11.58 | Unity Bancorp |
| Price-to-Book Ratio | 1.63 | 1.38 | U.S. Bancorp |
| Debt-to-Equity Ratio | 1.21 | 1.34 | Unity Bancorp |
| PEG Ratio | 0.14 | 0.80 | Unity Bancorp |
| Profit Margin (TTM) | 43.43% | 27.00% | Unity Bancorp |
| Operating Margin (TTM) | 63.22% | 37.33% | Unity Bancorp |
| EBITDA Margin (TTM) | 63.22% | 37.33% | Unity Bancorp |
| Return on Equity | 17.03% | 11.67% | Unity Bancorp |
| Return on Assets (TTM) | 1.83% | 1.01% | Unity Bancorp |
| Free Cash Flow (TTM) | $47.29M | $11.27B | U.S. Bancorp |
| Dividend Yield | 1.32% | 4.60% | U.S. Bancorp |
| 1-Year Return | 53.27% | 9.13% | Unity Bancorp |
| Price-to-Sales Ratio (TTM) | 4.47 | 2.95 | U.S. Bancorp |
| Enterprise Value | $614.05M | $103.34B | U.S. Bancorp |
| EV/Revenue Ratio | 5.28 | 4.04 | U.S. Bancorp |
| Revenue per Share (TTM) | $12 | $16 | U.S. Bancorp |
| Earnings per Share (Diluted) | $4.94 | $4.18 | Unity Bancorp |
| Beta (Stock Volatility) | 0.80 | 1.07 | Unity Bancorp |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Unity Bancorp vs U.S. Bancorp Stock Performance Analysis
Loading Price Chart...
Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Unity Bancorp | 3.43% | 1.19% | 9.90% | 22.36% | 27.69% | 27.59% |
| U.S. Bancorp | 1.21% | 1.80% | 8.89% | 16.04% | 18.76% | 4.91% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Unity Bancorp | 53.27% | 108.22% | 385.28% | 450.41% | 904.11% | 398.33% |
| U.S. Bancorp | 9.13% | 19.21% | 42.80% | 20.49% | 124.05% | 72.60% |
News Based Sentiment: Unity Bancorp vs U.S. Bancorp
Unity Bancorp
News based Sentiment: POSITIVE
September was a strong month for Unity Bancorp, marked by exceeding earnings expectations, positive analyst revisions, and increased institutional investment. These factors collectively signal growing confidence in the company's financial health and future prospects, making it a compelling investment story.
U.S. Bancorp
News based Sentiment: POSITIVE
September brought a positive dividend increase and a favorable analyst rating for U.S. Bancorp, signaling confidence in the company's financial health. While institutional investor activity was mixed, the overall narrative suggests a stable and moderately growing investment opportunity. The reduction in the stress capital buffer further enhances the bank's financial flexibility.
Performance & Financial Health Analysis: Unity Bancorp vs U.S. Bancorp
| Metric | UNTY | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $514.49M | $75.30B |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 21,404 | 9,536,290 |
| 90 Day Avg. Volume | 31,688 | 8,503,973 |
| Last Close | $53.73 | $50.21 |
| 52 Week Range | $32.23 - $54.64 | $35.18 - $53.98 |
| % from 52W High | -1.67% | -6.98% |
| All-Time High | $54.64 (Jul 11, 2025) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -1.67% | -21.02% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.41% | 0.03% |
| Quarterly Earnings Growth | 0.74% | 0.13% |
| Financial Health | ||
| Profit Margin (TTM) | 0.43% | 0.27% |
| Operating Margin (TTM) | 0.63% | 0.37% |
| Return on Equity (TTM) | 0.17% | 0.12% |
| Debt to Equity (MRQ) | 1.21 | 1.34 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $31.88 | $35.02 |
| Cash per Share (MRQ) | $29.30 | $39.85 |
| Operating Cash Flow (TTM) | $33.21M | $7.48B |
| Levered Free Cash Flow (TTM) | $41.45M | $5.91B |
| Dividends | ||
| Last 12-Month Dividend Yield | 1.32% | 4.60% |
| Last 12-Month Dividend | $0.69 | $1.99 |
Valuation & Enterprise Metrics Analysis: Unity Bancorp vs U.S. Bancorp
| Metric | UNTY | USB |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 10.49 | 11.58 |
| Forward P/E | 11.37 | 11.18 |
| PEG Ratio | 0.14 | 0.80 |
| Price to Sales (TTM) | 4.47 | 2.95 |
| Price to Book (MRQ) | 1.63 | 1.38 |
| Market Capitalization | ||
| Market Capitalization | $514.49M | $75.30B |
| Enterprise Value | $614.05M | $103.34B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 5.28 | 4.04 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.80 | 1.07 |
| Book Value per Share (MRQ) | $31.88 | $35.02 |
Financial Statements Comparison: Unity Bancorp vs U.S. Bancorp
Financial Metrics
Loading Financial Charts...
Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | UNTY | USB |
|---|---|---|
| Revenue/Sales | $36.14M | $6.93B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $21.53M | $2.16B |
| Income Tax | $5.04M | $443.00M |
| Net Income (Profit) | $16.49M | $1.72B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | UNTY | USB |
|---|---|---|
| Cash & Equivalents | $211.59M | $50.01B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $253.60M | $59.86B |
| Total Shareholders Equity | $306.14M | $60.56B |
| Retained Earnings | $237.52M | $77.69B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | UNTY | USB |
|---|---|---|
| Operating Cash Flow | $12.03M | $-750.00M |
| Capital Expenditures | $-279,000 | N/A |
| Free Cash Flow | $17.58M | $-285.00M |
| Debt Repayment | N/A | $-2.10B |
| Common Stock Repurchase | $0 | $-160.00M |
Short Interest & Institutional Ownership Analysis
| Metric | UNTY | USB |
|---|---|---|
| Shares Short | 68,002 | 22.06M |
| Short Ratio | 1.58 | 2.62 |
| Short % of Float | 0.01% | 0.01% |
| Average Daily Volume (10 Day) | 21,404 | 9,536,290 |
| Average Daily Volume (90 Day) | 31,688 | 8,503,973 |
| Shares Outstanding | 10.03M | 1.56B |
| Float Shares | 6.70M | 1.55B |
| % Held by Insiders | 0.28% | 0.00% |
| % Held by Institutions | 0.52% | 0.82% |
Dividend Analysis & Yield Comparison: Unity Bancorp vs U.S. Bancorp
| Metric | UNTY | USB |
|---|---|---|
| Last 12-Month Dividend | $0.69 | $1.99 |
| Last 12-Month Dividend Yield | 1.32% | 4.60% |
| 3-Year Avg Annual Dividend | $0.55 | $1.78 |
| 3-Year Avg Dividend Yield | 0.41% | 1.19% |
| 3-Year Total Dividends | $1.65 | $5.35 |
| Ex-Dividend Date | Sep 05, 2025 | Mar 31, 2025 |