$55.34

+0.69 (+1.26%)

Weekly Expected Move ±2.9%

$52 $54 $55 $57 $59

NASDAQ · Financial Services · Banks - Regional · Tech Score Strong Sell · Power 39 · $555.7M mcap · 7M float · 0.859% daily turnover · Short 61% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NARROW EDGE

55.6 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 18.3% · 5Y Avg: 61.0%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. UNTY has a Narrow competitive edge (55.6/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Cost Advantage. ROIC of 18.3% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$66

Avg Target

$66

High

Based on 4 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 5Hold: 0Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$65.50

Analysts4

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-06-26	Piper Sandler	—	$65	$68	+3	+17.4%	$57.94
2026-05-15	D.A. Davidson	—	Initiated	$68	—	+29.4%	$52.56
2026-01-15	Piper Sandler	Justin Crowley	$61	$65	+4	+20.3%	$54.01
2025-10-15	Piper Sandler	—	$44	$61	+17	+23.7%	$49.31
2024-10-14	Piper Sandler	Justin Crowley	Initiated	$44	—	+25.2%	$35.13
2022-12-15	Janney Montgomery	—	Initiated	$32	—	+19.3%	$26.82

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

A-

Oct 02, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. UNTY receives an overall rating of A-. Strongest factors: DCF (5/5), ROE (5/5), ROA (5/5). Areas of concern: D/E (1/5), P/B (2/5).

Rating Change History

Date	From	To
2026-09-18	B+	A-
2026-09-11	A-	B+
2026-08-14	B+	A-
2026-07-30	A-	B+
2026-07-25	B+	A-
2026-07-14	A-	B+
2026-04-30	A	A-
2026-04-01	A-	A
2026-01-20	B+	A-
2026-01-14	A-	B+

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 46 Grade B

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. UNTY scores highest in Safety (80/100) and lowest in Cash Flow (39/100). A grade of B indicates above-average fundamentals with room for improvement in select areas.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

3.20

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✗ ✓ ✓ ✓ ✗ ✓

Beneish M-Score

-2.43

Unlikely Manipulator

Ohlson O-Score

-3.52

Bankruptcy prob: 2.9%

Low Risk

Credit Rating

A-

Score: 68.1/100

Trend: Deteriorating

Earnings Quality

25/100

OCF/NI: 0.49x

Accruals: 1.0%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. UNTY scores 3.20, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. UNTY scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. UNTY's score of -2.43 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. UNTY's implied 2.9% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. UNTY receives an estimated rating of A- (score: 68.1/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). UNTY's score of 25/100 is low — reported earnings may not be fully supported by cash flows.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

9.46x

PEG

0.58x

P/S

2.65x

P/B

1.49x

P/FCF

22.14x

P/OCF

20.99x

EV/EBITDA

7.08x

EV/Revenue

2.66x

EV/EBIT

7.27x

EV/FCF

20.54x

Earnings Yield

9.78%

FCF Yield

4.52%

Shareholder Yield

1.63%

Graham Number

$68.59

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 9.5x earnings, UNTY trades at a deep value multiple. An earnings yield of 9.8% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $68.59 per share, suggesting a potential 24% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.774

NI / EBT

Interest Burden

0.990

EBT / EBIT

EBIT Margin

0.365

EBIT / Rev

Asset Turnover

0.068

Rev / Assets

Equity Multiplier

8.852

Assets / Equity

ROE

17.0%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. UNTY's ROE of 17.0% is driven by financial leverage (equity multiplier: 8.85x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

13.67%

Fair P/E

35.85x

Intrinsic Value

$205.85

Price/Value

0.29x

Margin of Safety

71.49%

Premium

-71.49%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with UNTY's realized 13.7% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. UNTY trades at a -71% premium to its adjusted intrinsic value of $205.85, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 35.8x compares to the current market P/E of 9.5x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$55.34

Median 1Y

$58.16

5th Pctile

$26.15

95th Pctile

$129.18

Ann. Volatility

46.4%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
James A. Hughes President/CEO	$825,000	$573,580	$4,809,906
George Boyan EVP/CFO	$550,000	$389,215	$2,677,894
Vincent Geraci FSVP/Director of Mtg Lending	$491,890	$144,120	$1,532,125
James Donovan FSVP/Chief Lending Officer	$342,027	$76,864	$1,004,998
Daniel Sharabba SVP/Chief Retail Officer	$296,370	$84,070	$904,345

CEO Pay Ratio

30:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $4,809,906

Avg Employee Cost (SGA/emp): $162,414

Employees: 239

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

239

+8.6% YoY

Revenue / Employee

$788,314

Rev: $188,407,000

Profit / Employee

$242,473

NI: $57,951,000

SGA / Employee

$162,414

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	18.5%	19.0%	18.5%	18.4%	17.9%	17.3%	17.4%	17.2%	16.5%	15.9%	15.4%	15.0%	14.8%	14.9%	15.2%	17.0%	17.5%	18.1%	18.3%	17.0%	16.95%
ROA	1.7%	1.8%	1.8%	1.8%	1.8%	1.7%	1.7%	1.7%	1.6%	1.6%	1.5%	1.5%	1.5%	1.6%	1.6%	1.8%	2.0%	2.1%	2.1%	1.9%	1.92%
ROIC	16.4%	-90.4%	22.9%	13.6%	9.5%	9.0%	9.8%	9.2%	10.0%	11.6%	13.1%	14.8%	14.8%	12.5%	16.9%	12.6%	18.9%	21.7%	22.8%	18.3%	18.26%
ROCE	16.8%	18.4%	18.3%	12.7%	9.8%	8.1%	8.5%	7.9%	8.2%	8.4%	8.6%	8.8%	9.0%	9.9%	9.7%	8.9%	11.6%	12.3%	20.0%	18.5%	18.52%
Gross Margin	93.5%	95.5%	95.5%	90.3%	85.3%	77.4%	72.4%	66.4%	63.9%	61.2%	62.8%	61.0%	62.6%	64.1%	65.3%	68.3%	51.2%	70.9%	67.8%	67.1%	67.10%
Operating Margin	53.8%	53.3%	51.4%	48.9%	48.8%	42.4%	39.9%	35.1%	33.6%	32.7%	32.2%	31.6%	34.6%	34.5%	36.0%	42.9%	31.6%	39.6%	40.0%	38.4%	38.41%
Net Margin	40.2%	39.6%	39.3%	36.6%	36.6%	31.0%	29.7%	26.0%	25.6%	24.5%	24.2%	23.8%	25.9%	27.4%	27.0%	32.9%	22.8%	31.1%	29.7%	29.8%	29.80%
EBITDA Margin	56.1%	55.3%	53.3%	52.6%	51.4%	44.4%	37.7%	38.8%	37.3%	33.4%	33.6%	32.2%	36.9%	36.5%	37.5%	43.5%	31.1%	41.8%	40.6%	38.4%	38.41%
FCF Margin	20.9%	23.2%	32.0%	15.1%	12.3%	48.5%	38.8%	37.2%	45.0%	30.5%	30.9%	28.4%	30.6%	28.9%	29.5%	18.2%	30.3%	21.1%	19.1%	12.9%	12.92%
OCF Margin	22.2%	24.5%	33.2%	16.0%	12.7%	49.8%	40.2%	38.7%	46.5%	31.1%	31.4%	28.8%	30.9%	29.4%	30.0%	18.7%	30.8%	21.8%	19.9%	13.6%	13.63%
ROE 3Y Avg	snapshot only																				15.24%
ROE 5Y Avg	snapshot only																				15.84%
ROA 3Y Avg	snapshot only																				1.68%
ROIC 3Y Avg	snapshot only																				22.60%
ROIC Economic	snapshot only																				8.65%
Cash ROA	snapshot only																				0.89%
Cash ROIC	snapshot only																				8.69%
CROIC	snapshot only																				8.24%
NOPAT Margin	snapshot only																				28.65%
Pretax Margin	snapshot only																				36.15%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				23.42%
SBC / Revenue	snapshot only																				1.05%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	6.82	7.21	7.66	7.10	6.68	7.28	5.89	5.81	5.83	7.39	7.10	7.60	8.57	10.60	9.51	9.47	9.23	9.10	8.72	10.22	9.460
P/S Ratio	2.43	2.72	2.97	2.76	2.54	2.59	1.95	1.76	1.63	1.95	1.78	1.86	2.11	2.69	2.48	2.70	2.52	2.56	2.50	2.86	2.653
P/B Ratio	1.17	1.27	1.31	1.22	1.11	1.17	0.97	0.95	0.92	1.12	1.04	1.08	1.20	1.49	1.35	1.49	1.49	1.53	1.48	1.61	1.492
P/FCF	11.58	11.73	9.28	18.35	20.56	5.34	5.03	4.75	3.61	6.39	5.76	6.55	6.90	9.29	8.40	14.82	8.30	12.13	13.08	22.14	22.138
P/OCF	10.90	11.10	8.95	17.22	19.91	5.19	4.86	4.56	3.50	6.26	5.66	6.46	6.83	9.16	8.25	14.39	8.16	11.74	12.59	20.99	20.992
EV/EBITDA	5.12	0.29	4.52	6.17	8.01	8.65	7.23	7.54	6.71	6.75	5.55	5.25	5.92	8.33	6.11	8.13	6.25	5.78	5.42	7.08	7.077
EV/Revenue	2.52	0.15	2.40	3.35	4.25	4.33	3.31	3.21	2.64	2.48	1.98	1.79	2.02	2.90	2.19	3.16	2.30	2.20	2.10	2.66	2.655
EV/EBIT	5.32	0.30	4.67	6.47	8.42	9.12	7.44	7.82	7.05	7.05	5.94	5.50	6.15	8.72	6.40	8.48	6.47	6.00	5.58	7.27	7.273
EV/FCF	12.02	0.66	7.49	22.27	34.46	8.94	8.54	8.62	5.87	8.13	6.43	6.29	6.59	10.03	7.42	17.34	7.57	10.41	10.96	20.54	20.542
Earnings Yield	14.7%	13.9%	13.1%	14.1%	15.0%	13.7%	17.0%	17.2%	17.2%	13.5%	14.1%	13.2%	11.7%	9.4%	10.5%	10.6%	10.8%	11.0%	11.5%	9.8%	9.78%
FCF Yield	8.6%	8.5%	10.8%	5.5%	4.9%	18.7%	19.9%	21.1%	27.7%	15.7%	17.4%	15.3%	14.5%	10.8%	11.9%	6.7%	12.0%	8.2%	7.6%	4.5%	4.52%
PEG Ratio	snapshot only																				0.580
Price/Tangible Book	snapshot only																				1.618
EV/OCF	snapshot only																				19.479
EV/Gross Profit	snapshot only																				4.191
Acquirers Multiple	snapshot only																				7.176
Shareholder Yield	snapshot only																				1.63%
Graham Number	snapshot only																				$68.59

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.05	0.18	0.07	0.08	0.09	0.13	0.13	0.15	0.15	0.15	0.15	0.15	0.15	0.10	0.14	0.15	0.13	0.16	0.15	0.17	0.171
Quick Ratio	0.05	0.18	0.07	0.08	0.09	0.13	0.13	0.15	0.15	0.15	0.15	0.15	0.15	0.10	0.14	0.15	0.13	0.16	0.15	0.17	0.171
Debt/Equity	0.36	0.27	0.23	0.79	1.26	1.67	1.60	1.78	1.58	1.40	1.16	1.04	0.97	0.78	0.83	1.21	0.72	0.77	0.72	0.88	0.878
Net Debt/Equity	0.04	-1.19	-0.25	0.26	0.75	0.79	0.68	0.77	0.58	0.31	0.12	-0.04	-0.05	0.12	-0.16	0.26	-0.13	-0.22	-0.24	-0.12	-0.116
Debt/Assets	0.04	0.03	0.02	0.08	0.12	0.16	0.16	0.17	0.16	0.14	0.12	0.11	0.11	0.09	0.09	0.13	0.08	0.09	0.09	0.10	0.102
Debt/EBITDA	1.51	1.12	1.00	3.32	5.42	7.36	7.00	7.76	7.09	6.62	5.56	5.29	5.04	4.05	4.24	5.63	3.32	3.40	3.16	4.15	4.154
Net Debt/EBITDA	0.19	-4.94	-1.08	1.09	3.23	3.48	2.97	3.39	2.58	1.45	0.58	-0.21	-0.27	0.61	-0.81	1.19	-0.60	-0.95	-1.05	-0.55	-0.550
Interest Coverage	4.84	6.22	7.60	9.18	7.91	4.84	2.83	1.83	1.33	1.09	0.98	0.92	0.93	0.95	1.01	1.18	1.26	1.33	1.38	1.31	1.312
Equity Multiplier	10.14	9.89	9.62	9.59	10.16	10.22	10.30	10.46	10.16	9.86	9.63	9.50	9.27	8.98	9.04	9.16	8.61	8.58	8.45	8.59	8.591
Cash Ratio	snapshot only																				0.133
Debt Service Coverage	snapshot only																				1.349
Cash to Debt	snapshot only																				1.132
FCF to Debt	snapshot only																				0.083
Defensive Interval	snapshot only																				2529.8 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.07	0.07	0.07	0.068
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	9.56	9.57	9.76	9.99	9.56	9.42	10.02	10.58	10.40	11.17	11.34	11.24	11.12	12.44	12.74	13.81	15.12	16.09	16.08	16.49	16.491
Payables Turnover	48.84	42.03	30.50	34.39	38.25	36.08	43.81	79.16	50.85	39.47	45.74	50.35	38.70	33.69	33.10	39.50	43.10	89.35	71.42	104.91	104.910
DSO	38	38	37	37	38	39	36	35	35	33	32	32	33	29	29	26	24	23	23	22	22.1 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	7	9	12	11	10	10	8	5	7	9	8	7	9	11	11	9	8	4	5	3	3.5 days
Cash Conversion Cycle	31	29	25	26	29	29	28	30	28	23	24	25	23	18	18	17	16	19	18	19	18.7 days
Fixed Asset Turnover	snapshot only																				11.714
Cash Velocity	snapshot only																				0.567
Capital Intensity	snapshot only																				15.252

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	10.0%	7.3%	3.3%	3.8%	6.2%	13.1%	26.4%	35.2%	41.8%	39.2%	30.1%	20.4%	12.9%	8.5%	7.0%	12.1%	22.8%	26.0%	26.6%	18.2%	18.18%
Net Income	50.4%	52.8%	37.2%	25.8%	13.4%	6.5%	7.9%	5.6%	4.3%	3.3%	-1.6%	-2.8%	-0.4%	4.4%	11.4%	30.3%	35.9%	39.8%	39.5%	16.1%	16.10%
EPS	53.2%	53.8%	35.9%	24.2%	11.2%	4.6%	7.7%	10.8%	8.9%	8.6%	2.3%	-2.3%	0.6%	4.4%	11.7%	29.5%	34.8%	39.9%	40.2%	16.1%	16.12%
FCF	-50.9%	-33.1%	-8.9%	-56.1%	-37.5%	1.4%	53.1%	2.3%	4.2%	-12.4%	3.5%	-7.9%	-23.3%	2.9%	2.3%	-28.2%	21.7%	-8.1%	-17.9%	-16.1%	-16.10%
EBITDA	50.5%	50.6%	33.3%	27.1%	14.8%	8.9%	9.3%	5.8%	5.2%	2.2%	1.4%	-3.4%	-2.3%	2.9%	7.3%	27.6%	32.5%	37.5%	36.8%	14.2%	14.20%
Op. Income	53.7%	54.7%	36.5%	26.4%	13.5%	6.8%	9.7%	6.9%	5.2%	3.1%	-2.5%	-4.4%	-1.2%	2.6%	9.7%	28.3%	34.7%	40.7%	40.9%	17.4%	17.39%
OCF Growth	snapshot only																				-14.04%
Asset Growth	snapshot only																				9.08%
Equity Growth	snapshot only																				16.25%
Debt Growth	snapshot only																				-15.74%
Shares Change	snapshot only																				-0.02%
Dividend Growth	snapshot only																				15.41%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	8.9%	7.8%	6.2%	6.0%	6.9%	9.1%	12.2%	15.6%	18.3%	19.1%	19.3%	19.1%	19.4%	19.5%	20.7%	22.2%	25.3%	23.9%	20.8%	16.8%	16.85%
Revenue 5Y	12.1%	11.5%	10.8%	10.6%	10.7%	11.5%	12.5%	13.5%	14.2%	14.5%	14.6%	14.2%	14.4%	14.4%	14.5%	15.8%	18.1%	18.2%	18.2%	17.5%	17.49%
EPS 3Y	23.5%	19.5%	18.9%	19.4%	19.1%	18.7%	20.7%	23.5%	22.9%	20.5%	14.4%	10.4%	6.8%	5.9%	7.2%	11.9%	13.9%	16.7%	17.0%	13.7%	13.67%
EPS 5Y	19.2%	20.7%	24.8%	24.2%	23.2%	24.6%	21.9%	20.4%	18.0%	14.2%	13.1%	13.0%	13.1%	13.7%	15.0%	18.9%	20.3%	20.6%	18.6%	15.1%	15.12%
Net Income 3Y	21.9%	18.1%	17.9%	18.2%	17.9%	17.6%	19.4%	20.8%	21.2%	18.9%	13.4%	8.9%	5.6%	4.7%	5.8%	10.2%	12.2%	14.7%	15.2%	13.7%	13.70%
Net Income 5Y	21.6%	22.3%	24.7%	24.1%	23.1%	24.4%	21.6%	18.8%	16.5%	12.6%	11.7%	11.1%	11.2%	11.9%	13.3%	17.4%	19.2%	19.6%	17.8%	14.3%	14.32%
EBITDA 3Y	18.7%	19.4%	19.0%	19.8%	19.4%	19.3%	19.9%	21.9%	22.1%	18.8%	13.9%	9.1%	5.7%	4.6%	6.0%	9.3%	10.8%	13.1%	14.2%	12.1%	12.08%
EBITDA 5Y	18.2%	18.6%	20.6%	20.4%	19.3%	18.0%	16.7%	15.9%	15.1%	13.6%	13.3%	11.9%	11.8%	12.3%	13.4%	17.4%	18.7%	18.8%	16.8%	13.6%	13.61%
Gross Profit 3Y	12.3%	13.0%	12.8%	12.9%	13.5%	13.9%	14.9%	16.2%	16.0%	13.5%	10.7%	7.6%	5.9%	5.2%	5.9%	8.3%	9.7%	11.6%	11.7%	10.7%	10.66%
Gross Profit 5Y	13.8%	14.1%	13.7%	13.5%	13.0%	12.5%	12.1%	11.6%	10.9%	10.2%	9.8%	9.2%	9.7%	10.1%	10.7%	13.1%	13.8%	13.9%	13.0%	11.0%	10.96%
Op. Income 3Y	19.4%	20.8%	20.0%	20.4%	19.7%	19.3%	21.1%	22.6%	22.4%	19.4%	13.5%	8.9%	5.7%	4.2%	5.5%	9.5%	11.9%	14.2%	14.7%	12.9%	12.93%
Op. Income 5Y	18.1%	18.7%	20.8%	20.5%	19.4%	18.0%	17.3%	16.2%	15.2%	14.2%	13.1%	12.3%	12.2%	12.4%	13.7%	17.7%	19.6%	19.7%	17.7%	14.2%	14.24%
FCF 3Y	-11.5%	-15.7%	-9.5%	-22.9%	-28.3%	17.3%	12.4%	10.5%	16.7%	11.5%	13.0%	10.5%	35.4%	28.7%	17.5%	30.2%	69.1%	-6.1%	-4.5%	-17.8%	-17.84%
FCF 5Y	1.3%	—	36.4%	10.5%	-2.4%	32.3%	27.8%	15.9%	17.5%	4.4%	3.3%	7.1%	7.9%	7.8%	8.5%	-2.3%	8.2%	5.6%	3.9%	-4.1%	-4.08%
OCF 3Y	-11.6%	-15.3%	-9.4%	-22.1%	-28.2%	17.6%	12.8%	11.2%	17.4%	11.6%	13.0%	10.2%	33.2%	27.0%	16.8%	28.7%	68.2%	-5.9%	-4.4%	-17.5%	-17.46%
OCF 5Y	19.5%	21.7%	21.9%	3.8%	-4.6%	30.1%	25.8%	15.1%	16.8%	4.0%	3.0%	6.7%	7.5%	7.6%	8.4%	-2.1%	8.3%	5.9%	4.4%	-3.5%	-3.45%
Assets 3Y	8.6%	8.8%	9.2%	9.2%	12.0%	12.5%	12.5%	10.3%	9.9%	9.6%	8.6%	9.6%	9.8%	9.3%	10.2%	11.4%	7.1%	6.7%	6.9%	7.8%	7.77%
Assets 5Y	11.5%	11.3%	11.0%	10.7%	12.0%	10.9%	11.4%	11.0%	10.5%	10.3%	10.1%	9.8%	9.6%	9.1%	9.7%	9.0%	8.3%	8.7%	8.6%	10.1%	10.11%
Equity 3Y	13.8%	14.1%	14.4%	13.9%	14.1%	14.2%	13.5%	13.6%	14.3%	14.6%	13.8%	13.1%	13.1%	12.8%	12.5%	13.1%	13.2%	13.0%	14.2%	15.1%	15.06%
Book Value 3Y	15.4%	15.5%	15.4%	15.0%	15.3%	15.3%	14.8%	16.1%	15.9%	16.1%	14.8%	14.7%	14.5%	14.1%	14.0%	14.9%	15.0%	15.0%	16.0%	15.0%	15.04%
Dividend 3Y	2.2%	4.3%	6.4%	7.5%	8.6%	7.6%	7.4%	7.0%	4.7%	4.0%	2.3%	2.9%	2.9%	3.2%	3.7%	4.1%	4.8%	5.6%	5.9%	4.9%	4.86%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.98	0.98	0.96	0.96	0.98	0.99	0.91	0.85	0.79	0.79	0.81	0.83	0.85	0.88	0.90	0.93	0.92	0.93	0.95	0.99	0.990
Earnings Stability	0.89	0.86	0.94	0.95	0.93	0.91	0.95	0.95	0.92	0.88	0.89	0.87	0.84	0.85	0.89	0.90	0.86	0.84	0.82	0.89	0.886
Margin Stability	0.93	0.92	0.91	0.91	0.91	0.92	0.91	0.90	0.88	0.88	0.86	0.85	0.84	0.84	0.83	0.83	0.83	0.86	0.87	0.87	0.866
Rev. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	1.00	1.00	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.85	0.90	0.95	0.97	0.97	0.98	0.98	0.99	0.99	0.99	1.00	0.98	0.95	0.88	0.86	0.84	0.84	0.94	0.936
Earnings Smoothness	0.60	0.58	0.69	0.77	0.87	0.94	0.92	0.95	0.96	0.97	0.98	0.97	1.00	0.96	0.89	0.74	0.70	0.67	0.67	0.85	0.851
ROE Trend	0.03	0.03	0.03	0.02	0.01	0.00	0.01	-0.00	-0.01	-0.02	-0.02	-0.03	-0.02	-0.02	-0.01	0.01	0.01	0.02	0.03	0.01	0.008
Gross Margin Trend	0.14	0.16	0.16	0.15	0.10	0.03	-0.06	-0.14	-0.20	-0.23	-0.24	-0.22	-0.19	-0.13	-0.09	-0.03	-0.04	-0.01	0.00	-0.00	-0.004
FCF Margin Trend	-0.23	-0.15	-0.05	-0.24	-0.22	0.18	0.05	0.12	0.28	-0.05	-0.05	0.02	0.02	-0.11	-0.05	-0.15	-0.07	-0.09	-0.11	-0.10	-0.104
Sustainable Growth Rate	16.6%	17.1%	16.6%	16.5%	15.9%	15.3%	15.4%	15.2%	14.6%	14.0%	13.5%	13.1%	13.0%	13.1%	13.4%	15.3%	15.7%	16.3%	16.5%	15.2%	15.21%
Internal Growth Rate	1.6%	1.7%	1.6%	1.7%	1.6%	1.5%	1.6%	1.5%	1.5%	1.4%	1.4%	1.3%	1.4%	1.4%	1.5%	1.7%	1.8%	1.9%	1.9%	1.7%	1.75%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	0.63	0.65	0.86	0.41	0.34	1.40	1.21	1.27	1.66	1.18	1.25	1.18	1.26	1.16	1.15	0.66	1.13	0.77	0.69	0.49	0.487
FCF/OCF	0.94	0.95	0.97	0.94	0.97	0.97	0.97	0.96	0.97	0.98	0.98	0.99	0.99	0.99	0.98	0.97	0.98	0.97	0.96	0.95	0.948
FCF/Net Income	snapshot only																				0.462
OCF/EBITDA	snapshot only																				0.363
CapEx/Revenue	1.3%	1.3%	1.1%	1.0%	0.4%	1.4%	1.4%	1.5%	1.4%	0.6%	0.5%	0.4%	0.3%	0.4%	0.5%	0.5%	0.5%	0.7%	0.7%	0.7%	0.71%
CapEx/Depreciation	snapshot only																				0.696
Accruals Ratio	0.01	0.01	0.00	0.01	0.01	-0.01	-0.00	-0.00	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	0.01	-0.00	0.00	0.01	0.01	0.010
Sloan Accruals	snapshot only																				-0.143
Cash Flow Adequacy	snapshot only																				3.806
Earnings Quality Score	snapshot only																				0.250

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	1.5%	1.4%	1.4%	1.5%	1.7%	1.6%	2.0%	2.0%	2.0%	1.6%	1.7%	1.6%	1.4%	1.1%	1.2%	1.1%	1.1%	1.1%	1.1%	1.0%	1.16%
Dividend/Share	$0.33	$0.34	$0.36	$0.38	$0.40	$0.41	$0.43	$0.45	$0.46	$0.46	$0.46	$0.48	$0.49	$0.49	$0.50	$0.51	$0.53	$0.55	$0.57	$0.59	$0.64
Payout Ratio	10.1%	10.0%	10.4%	10.7%	11.1%	11.4%	11.6%	11.6%	11.7%	11.9%	12.2%	12.5%	12.4%	12.1%	11.8%	10.3%	10.0%	9.7%	9.6%	10.3%	10.27%
FCF Payout Ratio	17.2%	16.3%	12.6%	27.6%	34.2%	8.3%	9.9%	9.5%	7.3%	10.3%	9.9%	10.8%	10.0%	10.6%	10.4%	16.2%	9.0%	12.9%	14.3%	22.2%	22.25%
Total Payout Ratio	29.2%	21.6%	18.1%	15.9%	11.3%	11.5%	32.4%	45.2%	47.6%	51.4%	41.8%	33.8%	31.6%	27.1%	17.7%	15.6%	14.4%	19.7%	18.9%	16.6%	16.64%
Div. Increase Streak	1	1	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.04	0.11	0.19	0.22	0.26	0.22	0.22	0.17	0.12	0.10	0.06	0.06	0.07	0.07	0.09	0.09	0.11	0.13	0.14	0.16	0.164
Buyback Yield	2.8%	1.6%	1.0%	0.7%	0.0%	0.0%	3.5%	5.8%	6.2%	5.3%	4.2%	2.8%	2.2%	1.4%	0.6%	0.6%	0.5%	1.1%	1.1%	0.6%	0.62%
Net Buyback Yield	2.8%	1.6%	0.8%	0.4%	-0.5%	-0.5%	3.2%	5.6%	6.2%	5.3%	4.2%	2.8%	2.2%	1.4%	0.6%	0.6%	0.5%	1.1%	1.0%	0.6%	0.62%
Total Shareholder Return	4.3%	3.0%	2.1%	1.9%	1.2%	1.1%	5.2%	7.6%	8.2%	7.0%	5.9%	4.4%	3.7%	2.6%	1.9%	1.7%	1.6%	2.2%	2.1%	1.6%	1.63%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.75	0.75	0.76	0.75	0.75	0.75	0.74	0.74	0.74	0.75	0.75	0.75	0.75	0.76	0.76	0.77	0.77	0.77	0.77	0.77	0.774
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.99	0.99	0.990
EBIT Margin	0.47	0.50	0.51	0.52	0.51	0.47	0.45	0.41	0.37	0.35	0.33	0.33	0.33	0.33	0.34	0.37	0.35	0.37	0.38	0.37	0.365
Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.07	0.07	0.07	0.068
Equity Multiplier	10.73	10.52	10.28	9.99	10.15	10.07	9.98	10.04	10.16	10.03	9.94	9.95	9.69	9.39	9.31	9.32	8.91	8.77	8.72	8.85	8.852

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$3.21	$3.42	$3.44	$3.53	$3.57	$3.58	$3.71	$3.91	$3.89	$3.89	$3.80	$3.82	$3.91	$4.06	$4.24	$4.95	$5.28	$5.68	$5.95	$5.74	$5.74
Book Value/Share	$18.68	$19.49	$20.15	$20.62	$21.49	$22.27	$22.50	$23.92	$24.60	$25.61	$25.96	$26.94	$28.01	$28.97	$29.88	$31.32	$32.65	$33.90	$35.11	$36.42	$37.08
Tangible Book/Share	$18.54	$19.35	$20.01	$20.48	$21.35	$22.13	$22.36	$23.77	$24.46	$25.46	$25.81	$26.79	$27.86	$28.82	$29.73	$31.17	$32.50	$33.75	$34.96	$36.27	$36.27
Revenue/Share	$9.03	$9.07	$8.88	$9.07	$9.40	$10.08	$11.20	$12.87	$13.93	$14.76	$15.16	$15.58	$15.90	$16.02	$16.27	$17.35	$19.37	$20.20	$20.69	$20.51	$20.89
FCF/Share	$1.89	$2.10	$2.84	$1.37	$1.16	$4.88	$4.35	$4.78	$6.27	$4.50	$4.68	$4.43	$4.86	$4.63	$4.80	$3.16	$5.87	$4.26	$3.96	$2.65	$2.70
OCF/Share	$2.01	$2.22	$2.95	$1.46	$1.20	$5.02	$4.50	$4.98	$6.47	$4.59	$4.76	$4.49	$4.91	$4.70	$4.89	$3.25	$5.97	$4.40	$4.12	$2.80	$2.85
Cash/Share	$5.86	$28.55	$9.81	$11.02	$10.96	$19.57	$20.70	$23.93	$24.72	$28.07	$27.02	$29.21	$28.79	$19.20	$29.48	$29.95	$27.91	$33.40	$33.77	$36.20	$36.87
EBITDA/Share	$4.44	$4.71	$4.71	$4.93	$4.99	$5.04	$5.13	$5.47	$5.49	$5.42	$5.42	$5.31	$5.42	$5.58	$5.83	$6.74	$7.12	$7.68	$8.02	$7.70	$7.70
Debt/Share	$6.69	$5.27	$4.72	$16.37	$27.10	$37.14	$35.96	$42.47	$38.89	$35.92	$30.14	$28.09	$27.31	$22.62	$24.75	$37.94	$23.66	$26.10	$25.35	$31.97	$31.97
Net Debt/Share	$0.83	$-23.28	$-5.09	$5.36	$16.13	$17.57	$15.26	$18.53	$14.17	$7.86	$3.12	$-1.12	$-1.48	$3.42	$-4.73	$7.99	$-4.25	$-7.30	$-8.42	$-4.23	$-4.23

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.204
Altman Z-Prime	snapshot only																				-4.079
Piotroski F-Score	7	8	7	6	4	4	5	6	6	8	7	7	6	8	8	5	6	7	8	7	7
Beneish M-Score	-2.57	-2.71	-2.56	-2.37	-2.18	-1.91	-1.80	-1.81	-1.94	-2.27	-2.45	-2.52	-2.62	-2.55	-2.50	-2.45	-2.19	-2.50	-2.46	-2.43	-2.429
Ohlson O-Score	snapshot only																				-3.523
Net-Net WC	snapshot only																				$-229.96
EVA	snapshot only																				$27142594.78

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				A-
Credit Score	59.20	80.28	80.48	63.72	53.18	60.55	61.26	61.70	62.51	66.46	67.47	66.09	65.52	68.35	73.80	70.22	75.17	72.24	72.61	68.06	68.056
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				-2.165
Implied Spread (bps)	snapshot only																				175.000
Industry Credit Rank	snapshot only																				64
Sector Credit Rank	snapshot only																				57

UNTY NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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