UNTY vs TPTA

Comparison between Unity Bancorp Inc (UNTY, Company) and Terra Property Trust Inc (TPTA, Company).

5-Year PerformanceUNTY has outperformed TPTA, delivering a return of +22.1% compared to +6.5%

UNTY vs TPTA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	UNTY(COMPANY)	TPTA(COMPANY)
Market Cap	$557M	$556M
Max Drawdown	83.61%	56.16%
Sharpe Ratio	0.85	0.89
5Y Beta	0.77	0.40
Industry	Banks - Regional	N/A
P/E Ratio	9.16	-17.25
Forward P/E	8.39	N/A
PEG Ratio	0.23	N/A
Dividend Yield	1.08%	8.29%
5Y Dividends CAGR	18.89%	N/A
5Y EPS CAGR	18.91%	N/A
Debt to Equity	0.00%	97.87%
Free Cash Flow Yield	7.37%	-0.08%

Market Cap

Winner

UNTY

$557M

TPTA

$556M

Max Drawdown

UNTY

83.61%

Winner

TPTA

56.16%

Sharpe Ratio

UNTY

0.85

Winner

TPTA

0.89

5Y Beta

UNTY

0.77

Winner

TPTA

0.40

Industry

UNTY

Banks - Regional

TPTA

N/A

P/E Ratio

UNTY

9.16

Winner

TPTA

-17.25

Forward P/E

UNTY

8.39

TPTA

N/A

PEG Ratio

UNTY

0.23

TPTA

N/A

Dividend Yield

UNTY

1.08%

Winner

TPTA

8.29%

5Y Dividends CAGR

UNTY

18.89%

TPTA

N/A

5Y EPS CAGR

UNTY

18.91%

TPTA

N/A

Debt to Equity

Winner

UNTY

0.00%

TPTA

97.87%

Free Cash Flow Yield

Winner

UNTY

7.37%

TPTA

-0.08%

UNTY vs TPTA - Historical Returns

Returns include dividend reinvestment.

Period	UNTY	TPTA
1 month	+4.76%	+3.37%
3 months	+12.81%	+78.87%
6 months	-1.03%	+5.16%
1 year	+27.74%	+42.78%
5 years(CAGR)	+22.06%	+6.51%
10 years(CAGR)	+19.11%	N/A
Max(CAGR)	+9.24%	+6.27%

Winner

UNTY

+4.76%

TPTA

+3.37%

UNTY

+12.81%

Winner

TPTA

+78.87%

UNTY

-1.03%

Winner

TPTA

+5.16%

UNTY

+27.74%

Winner

TPTA

+42.78%

5Y(CAGR)

Winner

UNTY

+22.06%

TPTA

+6.51%

10Y(CAGR)

UNTY

+19.11%

TPTA

N/A

Max(CAGR)

Winner

UNTY

+9.24%

TPTA

+6.27%

UNTY vs TPTA - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	UNTY	TPTA
2026	+9.18%	+5.07%
2025	+24.34%	+67.96%
2024	+53.48%	-8.66%
2023	+12.90%	-1.95%
2022	+4.32%	-15.81%
2021	+52.07%	+1.74%
2020	-19.58%	N/A
2019	+12.75%	N/A
2018	+4.54%	N/A
2017	+27.84%	N/A
2016	+45.24%	N/A
2015	+35.72%	N/A
2014	+23.49%	N/A
2013	+23.47%	N/A
2012	-2.52%	N/A
2011	+4.92%	N/A
2010	+50.50%	N/A
2009	+3.07%	N/A
2008	-52.39%	N/A
2007	-39.41%	N/A
2006	+12.39%	N/A
2005	+9.85%	N/A
2004	+12.33%	N/A
2003	+38.93%	N/A
2002	+28.75%	N/A
2001	+188.89%	N/A
2000	-67.69%	N/A
1999	-28.36%	N/A

UNTY vs TPTA Drawdown Comparison

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

The maximum drawdown for TPTA was -48.03%, occurring on May 7, 2024. Recovery took 956 trading sessions.

The current UNTY drawdown is -2.41%. The current TPTA drawdown is -1.55%.

Rank	UNTY	TPTA
#1	-82.88% May 26, 2006 - Dec 5, 2016	-48.03% Sep 9, 2021 - Jul 2, 2025
#2	-76.12% Nov 1, 1999 - Feb 11, 2002	-42.97% Jan 26, 2026 - Apr 23, 2026
#3	-59.96% Jul 26, 2018 - May 21, 2021	-12.71% Apr 28, 2026 - Jun 15, 2026
#4	-30.93% Jan 10, 2022 - Dec 28, 2023	-2.92% Jul 29, 2021 - Sep 9, 2021
#5	-28.99% Feb 13, 2002 - Jan 6, 2003	-2.86% Sep 2, 2025 - Sep 19, 2025
#6	-23.58% Feb 6, 2025 - Jul 3, 2025	-2.44% Sep 19, 2025 - Nov 3, 2025
#7	-21.34% Jan 14, 2003 - Jun 23, 2003	-2.32% Jul 17, 2025 - Jul 31, 2025
#8	-20.23% Mar 3, 2004 - Jan 30, 2006	-1.55% Jun 15, 2026 - Jun 17, 2026
#9	-16.10% Jul 10, 2025 - Dec 10, 2025	-1.08% Jun 15, 2021 - Jul 21, 2021
#10	-15.83% Dec 16, 2024 - Jan 21, 2025	-1.05% Dec 16, 2025 - Jan 12, 2026
#11	-15.27% Jan 22, 2024 - Jul 15, 2024	-0.97% Jul 8, 2025 - Jul 15, 2025
#12	-13.81% Jul 26, 2024 - Oct 14, 2024	-0.74% Aug 27, 2025 - Sep 2, 2025
#13	-12.27% Dec 18, 2025 - Apr 9, 2026	-0.68% Aug 14, 2025 - Aug 18, 2025
#14	-12.20% Jun 2, 2021 - Oct 15, 2021	-0.54% Dec 8, 2025 - Dec 15, 2025
#15	-11.44% Aug 2, 2017 - Sep 18, 2017	-0.54% Nov 11, 2025 - Nov 20, 2025

Correlation

Correlation between UNTY and TPTA is 0.62 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.62

-101

Dividend Comparison (2003 - 2026)

UNTY vs TPTA dividend yield comparison.

Year	UNTY	TPTA
2026	0.58%	3.14%
2025	1.12%	6.33%
2024	1.19%	9.87%
2023	1.62%	8.27%
2022	1.57%	5.63%
2021	1.37%	1.50%
2020	1.82%	0.00%
2019	1.37%	0.00%
2018	1.30%	0.00%
2017	1.16%	0.00%
2016	1.07%	0.00%
2015	1.12%	0.00%
2014	1.06%	0.00%
2013	0.39%	0.00%
2008	3.73%	0.00%
2007	2.35%	0.00%
2006	1.33%	0.00%
2005	1.29%	0.00%
2004	1.17%	0.00%
2003	0.26%	0.00%