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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Unity Bancorp (UNTY) Interest Coverage Ratio (2019 - 2025)

Unity Bancorp (UNTY) has disclosed Interest Coverage Ratio for 7 consecutive years, with 0.96 as the latest value for Q4 2025.

  • Quarterly Interest Coverage Ratio fell 14.33% to 0.96 in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 0.92 through Dec 2025, down 11.41% year-over-year, with the annual reading at 0.28 for FY2025, 40.13% up from the prior year.
  • Interest Coverage Ratio hit 0.96 in Q4 2025 for Unity Bancorp, down from 0.9 in the prior quarter.
  • In the past five years, Interest Coverage Ratio ranged from a high of 10.8 in Q1 2022 to a low of 1.18 in Q1 2023.
  • Historically, Interest Coverage Ratio has averaged 2.56 across 5 years, with a median of 0.83 in 2024.
  • Biggest five-year swings in Interest Coverage Ratio: surged 188.21% in 2021 and later crashed 126.61% in 2023.
  • Year by year, Interest Coverage Ratio stood at 10.24 in 2021, then tumbled by 66.53% to 3.43 in 2022, then plummeted by 126.61% to 0.91 in 2023, then rose by 7.98% to 0.84 in 2024, then dropped by 14.33% to 0.96 in 2025.
  • Business Quant data shows Interest Coverage Ratio for UNTY at 0.96 in Q4 2025, 0.9 in Q3 2025, and 0.91 in Q2 2025.