$54.58

-0.72 (-1.30%)

Weekly Expected Move ±3.5%

$49 $51 $52 $54 $56

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 66 · $548.0M mcap · 7M float · 0.652% daily turnover · Short 49% 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

56.9 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 22.9% · 5Y Avg: 31.6%

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 (56.9/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Cost Advantage. ROIC of 22.9% 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

$68

Low

$68

Avg Target

$68

High

Based on 1 analyst since Apr 13, 2026 earnings

Analyst Recommendations

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

Rating Summary

ConsensusBuy

Avg Target$68.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
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-

May 22, 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 (4/5). Areas of concern: D/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-04-30	A	A-
2026-04-01	A-	A
2026-01-20	B+	A-
2026-01-14	A-	B+
2025-12-30	B+	A-

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.

★ ★ ★ ★ ★ 55 Grade A

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 Momentum (82/100) and lowest in Balance Sheet (46/100). An overall grade of A places UNTY among the highest-quality companies in its peer group.

Risk & Quality Signals

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

Altman-B Score

3.25

Safe Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✗ ✓ ✓ ✓ ✓ ✓

Beneish M-Score

-2.47

Unlikely Manipulator

Ohlson O-Score

-3.61

Bankruptcy prob: 2.6%

Low Risk

Credit Rating

Score: 70.4/100

Trend: Stable

Earnings Quality

50/100

OCF/NI: 0.69x

Accruals: 0.7%

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 3.25, 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 8/9, 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 -2.47 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 2.6% 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: 70.4/100), with a stable 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 50/100 is moderate — some divergence between reported earnings and underlying 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

9.01x

PEG

0.23x

P/S

2.60x

P/B

1.53x

P/FCF

13.08x

P/OCF

12.59x

EV/EBITDA

5.65x

EV/Revenue

2.15x

EV/EBIT

5.73x

EV/FCF

11.24x

Earnings Yield

11.47%

FCF Yield

7.64%

Shareholder Yield

2.17%

Graham Number

$67.34

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 9.0x earnings, UNTY trades at a deep value multiple. An earnings yield of 11.5% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $67.34 per share, suggesting a potential 23% 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

0.772

NI / EBT

Interest Burden

0.991

EBT / EBIT

EBIT Margin

0.376

EBIT / Rev

Asset Turnover

0.075

Rev / Assets

Equity Multiplier

8.766

Assets / Equity

ROE

18.9%

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 18.9% is driven by financial leverage (equity multiplier: 8.77x). 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.

Adj. Growth Rate

17.04%

Fair P/E

42.57x

Intrinsic Value

$253.16

Price/Value

0.20x

Margin of Safety

79.53%

Premium

-79.53%

Assessment

Undervalued

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 17.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $253.16, UNTY appears undervalued with a 80% margin of safety. The adjusted fair P/E of 42.6x compares to the current market P/E of 9.0x.

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

$54.58

Median 1Y

$57.81

5th Pctile

$25.91

95th Pctile

$128.78

Ann. Volatility

46.6%

Analyst Target

$68.00

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

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

Insufficient data for pay ratio.

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

—

-100.0% YoY

Revenue / Employee

—

Rev: $188,407,000

Profit / Employee

—

NI: $57,951,000

SGA / Employee

—

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	Q2'21	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	Current
ROE	17.9%	20.2%	19.0%	19.4%	19.9%	20.1%	17.3%	17.8%	17.9%	17.9%	15.9%	15.6%	15.5%	15.9%	14.9%	15.6%	18.1%	19.4%	18.1%	18.9%	18.92%
ROA	1.6%	1.8%	1.8%	1.8%	1.9%	1.9%	1.7%	1.8%	1.8%	1.8%	1.6%	1.6%	1.5%	1.6%	1.6%	1.7%	1.9%	2.1%	2.1%	2.2%	2.16%
ROIC	9.4%	10.6%	-90.4%	-91.9%	-94.5%	-95.7%	9.0%	9.3%	9.3%	9.3%	11.6%	11.4%	11.3%	11.6%	12.5%	13.2%	15.3%	16.6%	21.7%	22.9%	22.87%
ROCE	10.2%	11.4%	18.4%	18.6%	19.3%	19.5%	8.1%	8.4%	8.5%	8.5%	8.4%	8.3%	8.2%	8.4%	9.9%	10.3%	12.0%	12.7%	12.3%	13.0%	12.97%
Gross Margin	90.4%	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%	67.75%
Operating Margin	46.6%	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%	40.03%
Net Margin	36.0%	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%	29.73%
EBITDA Margin	47.1%	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%	39.6%	40.0%	40.03%
FCF Margin	35.6%	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%	19.14%
OCF Margin	36.4%	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%	19.89%
ROE 3Y Avg	snapshot only																				15.72%
ROE 5Y Avg	snapshot only																				16.32%
ROA 3Y Avg	snapshot only																				1.73%
ROIC 3Y Avg	snapshot only																				21.15%
ROIC Economic	snapshot only																				10.21%
Cash ROA	snapshot only																				1.41%
Cash ROIC	snapshot only																				15.48%
CROIC	snapshot only																				14.90%
NOPAT Margin	snapshot only																				29.38%
Pretax Margin	snapshot only																				37.23%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				21.95%
SBC / Revenue	snapshot only																				1.02%

Valuation

Metric	Q2'21	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	Current
P/E Ratio	7.24	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	9.011
P/S Ratio	2.32	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	2.597
P/B Ratio	1.25	1.32	1.27	1.37	1.30	1.24	1.17	0.98	0.97	0.97	1.12	1.06	1.13	1.30	1.49	1.40	1.62	1.69	1.53	1.53	1.526
P/FCF	6.52	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	13.084
P/OCF	6.39	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	12.594
EV/EBITDA	8.71	8.03	0.29	0.71	0.43	0.19	8.65	7.69	7.53	7.48	6.75	6.42	6.95	7.65	8.33	7.50	7.45	7.32	5.86	5.65	5.652
EV/Revenue	3.87	3.95	0.15	0.38	0.23	0.10	4.33	3.53	3.20	2.95	2.48	2.29	2.37	2.61	2.90	2.69	2.89	2.69	2.20	2.15	2.152
EV/EBIT	9.08	8.35	0.30	0.73	0.45	0.20	9.12	7.92	7.81	7.86	7.05	6.87	7.28	7.94	8.72	7.86	7.77	7.59	6.00	5.73	5.725
EV/FCF	10.85	18.84	0.66	1.17	1.55	0.80	8.94	9.09	8.62	6.55	8.13	7.43	8.33	8.52	10.03	9.11	15.90	8.88	10.41	11.24	11.241
Earnings Yield	13.8%	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%	11.47%
FCF Yield	15.3%	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%	7.64%
PEG Ratio	snapshot only																				0.227
Price/Tangible Book	snapshot only																				1.536
EV/OCF	snapshot only																				10.820
EV/Gross Profit	snapshot only																				3.379
Acquirers Multiple	snapshot only																				5.652
Shareholder Yield	snapshot only																				2.17%
Graham Number	snapshot only																				$67.34

Leverage & Solvency

Metric	Q2'21	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	Current
Current Ratio	0.05	0.05	0.18	0.18	0.18	0.18	0.13	0.13	0.13	0.13	0.15	0.15	0.15	0.15	0.10	0.10	0.10	0.10	0.16	0.16	0.160
Quick Ratio	0.05	0.05	0.18	0.18	0.18	0.18	0.13	0.13	0.13	0.13	0.15	0.15	0.15	0.15	0.10	0.10	0.10	0.10	0.16	0.16	0.160
Debt/Equity	1.22	1.22	0.27	0.27	0.27	0.27	1.67	1.67	1.67	1.67	1.40	1.40	1.40	1.40	0.78	0.78	0.78	0.78	0.77	0.77	0.770
Net Debt/Equity	0.83	0.83	-1.19	-1.19	-1.19	-1.19	0.79	0.79	0.79	0.79	0.31	0.31	0.31	0.31	0.12	0.12	0.12	0.12	-0.22	-0.22	-0.215
Debt/Assets	0.11	0.11	0.03	0.03	0.03	0.03	0.16	0.16	0.16	0.16	0.14	0.14	0.14	0.14	0.09	0.09	0.09	0.09	0.09	0.09	0.090
Debt/EBITDA	5.12	4.56	1.12	1.11	1.05	1.04	7.36	7.27	7.15	7.08	6.62	6.59	6.80	6.67	4.05	3.86	3.35	3.17	3.45	3.31	3.312
Net Debt/EBITDA	3.48	3.10	-4.94	-4.90	-4.66	-4.59	3.48	3.44	3.38	3.35	1.45	1.44	1.49	1.46	0.61	0.58	0.51	0.48	-0.96	-0.93	-0.927
Interest Coverage	3.56	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	1.380
Equity Multiplier	11.26	11.26	9.89	9.89	9.89	9.89	10.22	10.22	10.22	10.22	9.86	9.86	9.86	9.86	8.98	8.98	8.98	8.98	8.58	8.58	8.583
Cash Ratio	snapshot only																				0.145
Debt Service Coverage	snapshot only																				1.397
Cash to Debt	snapshot only																				1.280
FCF to Debt	snapshot only																				0.152
Defensive Interval	snapshot only																				2387.7 days

Efficiency & Turnover

Metric	Q2'21	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	Current
Asset Turnover	0.05	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	0.07	0.08	0.07	0.08	0.075
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	10.75	10.90	9.57	9.46	9.71	10.07	9.42	10.41	11.42	12.43	11.17	11.55	11.72	11.96	12.44	12.69	13.49	15.08	16.09	16.50	16.497
Payables Turnover	41.75	30.64	42.03	31.31	32.75	45.86	36.08	56.84	81.38	105.80	39.47	43.43	45.67	47.02	33.69	33.76	33.99	42.26	89.35	90.10	90.095
DSO	34	33	38	39	38	36	39	35	32	29	33	32	31	31	29	29	27	24	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	9	12	9	12	11	8	10	6	4	3	9	8	8	8	11	11	11	9	4	4	4.1 days
Cash Conversion Cycle	25	22	29	27	26	28	29	29	27	26	23	23	23	23	18	18	16	16	19	18	18.1 days
Fixed Asset Turnover	snapshot only																				11.711
Cash Velocity	snapshot only																				0.620
Capital Intensity	snapshot only																				14.056

Growth (YoY)

Metric	Q2'21	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	Current
Revenue	10.0%	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%	26.61%
Net Income	32.7%	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%	39.54%
EPS	36.7%	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%	40.19%
FCF	-7.9%	-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%	-17.86%
EBITDA	34.7%	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%	35.5%	34.5%	34.49%
Op. Income	36.4%	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%	40.91%
OCF Growth	snapshot only																				-16.18%
Asset Growth	snapshot only																				11.78%
Equity Growth	snapshot only																				16.93%
Debt Growth	snapshot only																				15.28%
Shares Change	snapshot only																				-0.47%
Dividend Growth	snapshot only																				13.33%

Growth (CAGR)

Metric	Q2'21	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	Current
Revenue 3Y	10.4%	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%	20.81%
Revenue 5Y	12.3%	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%	18.16%
EPS 3Y	22.5%	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%	17.04%
EPS 5Y	17.1%	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%	18.60%
Net Income 3Y	21.1%	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%	15.23%
Net Income 5Y	19.7%	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%	17.77%
EBITDA 3Y	15.8%	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%	12.5%	13.6%	13.56%
EBITDA 5Y	16.5%	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%	18.5%	16.4%	16.37%
Gross Profit 3Y	11.7%	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%	11.71%
Gross Profit 5Y	12.8%	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%	13.00%
Op. Income 3Y	16.2%	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%	14.67%
Op. Income 5Y	16.3%	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%	17.69%
FCF 3Y	12.7%	-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%	-4.54%
FCF 5Y	58.0%	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%	3.95%
OCF 3Y	10.6%	-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%	-4.42%
OCF 5Y	28.6%	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%	4.36%
Assets 3Y	10.4%	10.4%	8.8%	8.8%	8.8%	8.8%	12.5%	12.5%	12.5%	12.5%	9.6%	9.6%	9.6%	9.6%	9.3%	9.3%	9.3%	9.3%	6.7%	6.7%	6.66%
Assets 5Y	12.5%	12.5%	11.3%	11.3%	11.3%	11.3%	10.9%	10.9%	10.9%	10.9%	10.3%	10.3%	10.3%	10.3%	9.1%	9.1%	9.1%	9.1%	8.7%	8.7%	8.66%
Equity 3Y	13.8%	13.8%	14.1%	14.1%	14.1%	14.1%	14.2%	14.2%	14.2%	14.2%	14.6%	14.6%	14.6%	14.6%	12.8%	12.8%	12.8%	12.8%	13.0%	13.0%	13.05%
Book Value 3Y	15.0%	15.3%	15.5%	15.1%	15.2%	15.2%	15.3%	15.4%	16.7%	15.8%	16.1%	15.6%	16.1%	15.9%	14.1%	14.3%	14.6%	14.6%	15.0%	14.8%	14.82%
Dividend 3Y	0.9%	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%	5.89%

Growth Quality

Metric	Q2'21	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	Current
Revenue Stability	0.99	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	0.952
Earnings Stability	0.94	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	0.824
Margin Stability	0.95	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	0.871
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	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	1.000
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	0.87	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	0.842
Earnings Smoothness	0.72	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	0.670
ROE Trend	0.02	0.04	0.03	0.03	0.03	0.02	0.00	-0.00	-0.01	-0.02	-0.02	-0.02	-0.03	-0.02	-0.02	-0.01	0.01	0.02	0.02	0.03	0.027
Gross Margin Trend	0.09	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	0.003
FCF Margin Trend	-0.05	-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	-0.110
Sustainable Growth Rate	15.9%	18.1%	17.1%	17.3%	17.8%	17.9%	15.3%	15.8%	15.8%	15.8%	14.0%	13.7%	13.5%	13.9%	13.1%	13.8%	16.3%	17.4%	16.3%	17.1%	17.11%
Internal Growth Rate	1.5%	1.7%	1.7%	1.7%	1.7%	1.7%	1.5%	1.6%	1.6%	1.6%	1.4%	1.4%	1.4%	1.4%	1.4%	1.5%	1.8%	1.9%	1.9%	2.0%	1.99%

Cash Flow Quality

Metric	Q2'21	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	Current
OCF/Net Income	1.13	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	0.692
FCF/OCF	0.98	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	0.963
FCF/Net Income	snapshot only																				0.666
OCF/EBITDA	snapshot only																				0.522
CapEx/Revenue	0.7%	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%	0.74%
CapEx/Depreciation	snapshot only																				1.537
Accruals Ratio	-0.00	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	0.007
Sloan Accruals	snapshot only																				-0.030
Cash Flow Adequacy	snapshot only																				5.697
Earnings Quality Score	snapshot only																				0.500

Dividends & Buybacks

Metric	Q2'21	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	Current
Dividend Yield	1.5%	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%	1.10%
Dividend/Share	$0.32	$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	$0.60
Payout Ratio	11.1%	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%	9.56%
FCF Payout Ratio	10.0%	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%	14.35%
Total Payout Ratio	33.4%	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%	18.91%
Div. Increase Streak	0	1	1	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.01	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	0.144
Buyback Yield	3.1%	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%	1.07%
Net Buyback Yield	3.1%	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%	0.98%
Total Shareholder Return	4.6%	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%	2.08%

DuPont Factors

Metric	Q2'21	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	Current
Tax Burden (NI/EBT)	0.75	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	0.772
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	1.00	0.99	0.991
EBIT Margin	0.43	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	0.376
Asset Turnover	0.05	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	0.07	0.08	0.07	0.08	0.075
Equity Multiplier	10.99	10.99	10.52	10.52	10.52	10.52	10.07	10.07	10.07	10.07	10.03	10.03	10.03	10.03	9.39	9.39	9.39	9.39	8.77	8.77	8.766

Per Share

Metric	Q2'21	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	Current
EPS (Diluted TTM)	$2.84	$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	$5.95
Book Value/Share	$16.45	$16.55	$19.49	$19.29	$19.22	$19.20	$22.27	$22.39	$23.45	$23.32	$25.61	$25.44	$25.76	$25.76	$28.97	$28.85	$28.94	$28.89	$33.90	$33.89	$35.77
Tangible Book/Share	$16.31	$16.41	$19.35	$19.15	$19.07	$19.06	$22.13	$22.25	$23.30	$23.17	$25.46	$25.29	$25.61	$25.61	$28.82	$28.70	$28.80	$28.74	$33.75	$33.74	$33.74
Revenue/Share	$8.85	$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	$21.08
FCF/Share	$3.15	$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	$4.04
OCF/Share	$3.22	$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	$4.19
Cash/Share	$6.47	$6.51	$28.55	$28.25	$28.14	$28.12	$19.57	$19.67	$20.60	$20.49	$28.07	$27.88	$28.23	$28.24	$19.20	$19.12	$19.19	$19.15	$33.40	$33.39	$34.40
EBITDA/Share	$3.93	$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	$7.57	$7.88	$7.88
Debt/Share	$20.13	$20.25	$5.27	$5.21	$5.19	$5.19	$37.14	$37.33	$39.10	$38.89	$35.92	$35.69	$36.14	$36.14	$22.62	$22.53	$22.60	$22.56	$26.10	$26.09	$26.09
Net Debt/Share	$13.66	$13.74	$-23.28	$-23.04	$-22.95	$-22.93	$17.57	$17.66	$18.50	$18.40	$7.86	$7.81	$7.90	$7.90	$3.42	$3.40	$3.41	$3.41	$-7.30	$-7.30	$-7.30

Academic Models

Metric	Q2'21	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	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.246
Altman Z-Prime	snapshot only																				-3.712
Piotroski F-Score	8	7	8	7	6	6	5	5	6	6	8	7	7	7	8	8	6	6	8	8	8
Beneish M-Score	-2.08	-1.99	-2.71	-2.73	-2.59	-2.52	-1.91	-1.81	-1.82	-1.87	-2.27	-2.37	-2.41	-2.45	-2.55	-2.54	-2.47	-2.25	-2.50	-2.47	-2.470
Ohlson O-Score	snapshot only																				-3.608
Net-Net WC	snapshot only																				$-219.95
EVA	snapshot only																				$34901262.41

Credit

Metric	Q2'21	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	Current
Credit Rating	snapshot only																				A
Credit Score	54.92	51.92	80.13	84.62	67.41	66.38	60.35	60.60	60.57	61.52	66.04	66.60	66.55	66.59	68.35	70.03	67.75	75.01	72.08	70.39	70.387
Credit Grade	snapshot only																				6
Credit Trend	snapshot only																				0.357
Implied Spread (bps)	snapshot only																				150.000
Industry Credit Rank	snapshot only																				62
Sector Credit Rank	snapshot only																				60

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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