For the quarter ended September 2025, Unity Bancorp (UNTY Quick QuoteUNTY - Free Report) reported revenue of $32.82 million, up 18.7% over the same period last year. EPS came in at $1.33, compared to $1.07 in the year-ago quarter.

The reported revenue represents a surprise of +3.2% over the Zacks Consensus Estimate of $31.81 million. With the consensus EPS estimate being $1.28, the EPS surprise was +3.91%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Unity Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net interest margin: 4.5% versus the two-analyst average estimate of 4.5%.
• Efficiency Ratio: 41.5% versus 41.5% estimated by two analysts on average.
• Total Noninterest Income: $2.97 million compared to the $2.4 million average estimate based on two analysts.
• Net Interest Income: $29.86 million compared to the $29.41 million average estimate based on two analysts.

View all Key Company Metrics for Unity Bancorp here>>>

Shares of Unity Bancorp have returned -9.5% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.