Unity Bancorp [UNTY] vs U.S. Bancorp [USB] Detailed Stock Comparison
Unity Bancorp
NASDAQ
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U.S. Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Unity Bancorp wins in 10 metrics, U.S. Bancorp wins in 8 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) | 10.06 | 10.98 | Unity Bancorp |
| Price-to-Book Ratio | 1.56 | 1.31 | U.S. Bancorp |
| Debt-to-Equity Ratio | 1.27 | 1.31 | Unity Bancorp |
| PEG Ratio | 10.90 | 10.60 | U.S. 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 | 1.23% | 4.60% | U.S. Bancorp |
| 1-Year Return | 48.29% | 8.34% | Unity Bancorp |
| Price-to-Sales Ratio (TTM) | 4.29 | 2.80 | U.S. Bancorp |
| Enterprise Value | $597.09M | $100.32B | U.S. Bancorp |
| EV/Revenue Ratio | 5.14 | 3.93 | 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) | 0.73 | 1.02 | Unity Bancorp |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Unity Bancorp vs U.S. Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Unity Bancorp | -0.92% | -6.06% | 5.61% | 20.10% | 3.26% | 18.07% |
| U.S. Bancorp | -0.46% | -0.89% | 1.39% | 13.73% | -4.42% | -4.14% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Unity Bancorp | 48.29% | 77.89% | 266.40% | 409.95% | 773.81% | 376.25% |
| U.S. Bancorp | 8.34% | -3.19% | 22.48% | 1.71% | 97.59% | 54.74% |
Performance & Financial Health Analysis: Unity Bancorp vs U.S. Bancorp
| Metric | UNTY | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $498.79M | $71.48B |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 68,730 | 11,506,425 |
| 90 Day Avg. Volume | 87,447 | 12,747,338 |
| Last Close | $49.72 | $45.88 |
| 52 Week Range | $30.28 - $54.64 | $35.18 - $53.98 |
| % from 52W High | -9.00% | -15.01% |
| All-Time High | $54.64 (Jul 11, 2025) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -9.00% | -27.83% |
| 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) | 1.27 | 1.31 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $31.88 | $35.06 |
| Cash per Share (MRQ) | $29.28 | $37.10 |
| Operating Cash Flow (TTM) | $43.55M | $9.10B |
| Levered Free Cash Flow (TTM) | $41.45M | $5.91B |
| Dividends | ||
| Last 12-Month Dividend Yield | 1.23% | 4.60% |
| Last 12-Month Dividend | $0.54 | $1.99 |
Valuation & Enterprise Metrics Analysis: Unity Bancorp vs U.S. Bancorp
| Metric | UNTY | USB |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 10.06 | 10.98 |
| Forward P/E | 10.90 | 10.60 |
| PEG Ratio | 10.90 | 10.60 |
| Price to Sales (TTM) | 4.29 | 2.80 |
| Price to Book (MRQ) | 1.56 | 1.31 |
| Market Capitalization | ||
| Market Capitalization | $498.79M | $71.48B |
| Enterprise Value | $597.09M | $100.32B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 5.14 | 3.93 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.73 | 1.02 |
| Book Value per Share (MRQ) | $31.88 | $35.06 |
Financial Statements Comparison: Unity Bancorp vs U.S. Bancorp
Financial Metrics
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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 | $29.35M | $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 | $15.42M | $2.16B |
| Income Tax | $3.83M | $443.00M |
| Net Income (Profit) | $11.60M | $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 | 90,319 | 20.29M |
| Short Ratio | 0.92 | 1.56 |
| Short % of Float | 0.01% | 0.01% |
| Average Daily Volume (10 Day) | 68,730 | 11,506,425 |
| Average Daily Volume (90 Day) | 87,447 | 12,747,338 |
| Shares Outstanding | 10.03M | 1.56B |
| Float Shares | 6.62M | 1.55B |
| % Held by Insiders | 0.28% | 0.00% |
| % Held by Institutions | 0.52% | 0.81% |
Dividend Analysis & Yield Comparison: Unity Bancorp vs U.S. Bancorp
| Metric | UNTY | USB |
|---|---|---|
| Last 12-Month Dividend | $0.54 | $1.99 |
| Last 12-Month Dividend Yield | 1.23% | 4.60% |
| 3-Year Avg Annual Dividend | $0.50 | $1.78 |
| 3-Year Avg Dividend Yield | 0.42% | 1.19% |
| 3-Year Total Dividends | $1.50 | $5.35 |
| Ex-Dividend Date | Jun 06, 2025 | Mar 31, 2025 |