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UNTY vs SPY

Comparison between Unity Bancorp Inc (UNTY, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).

5-Year PerformanceUNTY has outperformed SPY, delivering a return of +22.0% compared to +13.4%

UNTY vs SPY - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap / Net Assets
UNTY
$564M
Winner
SPY
$784B
Expense Ratio
UNTY
N/A
SPY
0.09%
Max Drawdown
UNTY
83.61%
Winner
SPY
56.47%
Sharpe Ratio
UNTY
0.84
Winner
SPY
1.56
5Y Beta
Winner
UNTY
0.79
SPY
1.00
Industry
UNTY
Banks - Regional
SPY
N/A
P/E Ratio
Winner
UNTY
9.28
SPY
28.29
Forward P/E
Winner
UNTY
8.39
SPY
21.75
PEG Ratio
UNTY
0.24
SPY
N/A
Dividend Yield
UNTY
1.07%
SPY
N/A
5Y Dividends CAGR
Winner
UNTY
18.89%
SPY
5.43%
5Y EPS CAGR
UNTY
18.91%
Winner
SPY
25.98%
Debt to Equity
Winner
UNTY
0.00%
SPY
30.79%
Free Cash Flow Yield
UNTY
7.28%
SPY
N/A
P/S Ratio
UNTY
4.25
Winner
SPY
3.79
P/B Ratio
Winner
UNTY
1.57
SPY
5.67

UNTY vs SPY - Historical Returns

Returns include dividend reinvestment.

1M
Winner
UNTY
+8.81%
SPY
+0.48%
3M
Winner
UNTY
+13.19%
SPY
+11.67%
6M
UNTY
+2.92%
Winner
SPY
+9.42%
1Y
Winner
UNTY
+25.26%
SPY
+24.27%
5Y(CAGR)
Winner
UNTY
+22.05%
SPY
+13.36%
10Y(CAGR)
Winner
UNTY
+18.89%
SPY
+15.42%
Max(CAGR)
Winner
UNTY
+9.33%
SPY
+8.49%

UNTY vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearUNTYSPY
2026+11.54%+8.88%
2025+24.34%+18.00%
2024+53.48%+25.59%
2023+12.90%+26.72%
2022+4.32%-18.64%
2021+52.07%+30.52%
2020-19.58%+17.28%
2019+12.75%+31.09%
2018+4.54%-5.24%
2017+27.84%+20.78%
2016+45.24%+13.59%
2015+35.72%+1.31%
2014+23.49%+14.56%
2013+23.47%+29.00%
2012-2.52%+14.17%
2011+4.92%+0.85%
2010+50.50%+13.14%
2009+3.07%+22.67%
2008-52.39%-36.25%
2007-39.41%+5.32%
2006+12.39%+13.85%
2005+9.85%+5.32%
2004+12.33%+10.75%
2003+38.93%+24.18%
2002+28.75%-22.42%
2001+188.89%-10.13%
2000-67.69%-8.84%
1999-28.36%+8.61%

UNTY vs SPY Drawdown Comparison

The maximum drawdown for UNTY was -82.88%, occurring on Mar 6, 2009. Recovery took 2650 trading sessions.

The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current UNTY drawdown is -0.30%. The current SPY drawdown is -2.35%.

RankUNTYSPY
#1-82.88%
May 26, 2006 - Dec 5, 2016		-55.20%
Oct 9, 2007 - Aug 16, 2012
#2-76.12%
Nov 1, 1999 - Feb 11, 2002		-47.50%
Mar 24, 2000 - Oct 26, 2006
#3-59.96%
Jul 26, 2018 - May 21, 2021		-33.70%
Feb 19, 2020 - Aug 10, 2020
#4-30.93%
Jan 10, 2022 - Dec 28, 2023		-24.50%
Jan 3, 2022 - Dec 13, 2023
#5-28.99%
Feb 13, 2002 - Jan 6, 2003		-19.34%
Sep 20, 2018 - Apr 12, 2019
#6-23.58%
Feb 6, 2025 - Jul 3, 2025		-18.76%
Feb 19, 2025 - Jun 26, 2025
#7-21.34%
Jan 14, 2003 - Jun 23, 2003		-13.02%
Jul 20, 2015 - Apr 18, 2016
#8-20.23%
Mar 3, 2004 - Jan 30, 2006		-10.10%
Jan 26, 2018 - Aug 6, 2018
#9-16.10%
Jul 10, 2025 - Dec 10, 2025		-9.44%
Sep 2, 2020 - Nov 11, 2020
#10-15.83%
Dec 16, 2024 - Jan 21, 2025		-9.30%
Jan 19, 2000 - Mar 17, 2000
#11-15.27%
Jan 22, 2024 - Jul 15, 2024		-9.05%
Jul 19, 2007 - Oct 5, 2007
#12-13.81%
Jul 26, 2024 - Oct 14, 2024		-8.88%
Jan 27, 2026 - Apr 14, 2026
#13-12.27%
Dec 18, 2025 - Apr 9, 2026		-8.41%
Jul 16, 2024 - Sep 19, 2024
#14-12.20%
Jun 2, 2021 - Oct 15, 2021		-7.35%
Sep 14, 2012 - Jan 2, 2013
#15-11.44%
Aug 2, 2017 - Sep 18, 2017		-7.27%
Sep 18, 2014 - Oct 31, 2014

Correlation

Correlation between UNTY and SPY is 0.96 which considered as a very strong positive correlation - the stocks move almost identically together.

0.96
-101

Dividend Comparison (1999 - 2026)

UNTY vs SPY dividend yield comparison.

YearUNTYSPY
20260.57%0.24%
20251.12%1.07%
20241.19%1.21%
20231.62%1.40%
20221.57%1.65%
20211.37%1.20%
20201.82%1.52%
20191.37%1.75%
20181.30%2.04%
20171.16%1.80%
20161.07%2.03%
20151.12%2.06%
20141.06%1.87%
20130.39%1.81%
20120.00%2.18%
20110.00%2.05%
20100.00%1.80%
20090.00%1.95%
20083.73%3.02%
20072.35%1.85%
20061.33%1.73%
20051.29%1.73%
20041.17%1.82%
20030.26%1.47%
20020.00%1.70%
20010.00%1.25%
20000.00%1.15%
19990.00%0.24%

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