Unity Bank (UNITYBNK.NL) Stock Price

Unity Bank Price

CLOSED
1.51NGN+0.00 (+0.00 %)
Market closed

Over the last 18 years Unity Bank grew revenue by 14.7% annually, reaching 59.36 B NGN. Earnings per share have declined at 14.8% per year over the last 17 years. For Unity Bank, the net margin of -105.5% is down versus 7.6% a few years ago. At today's price the dividend yield works out to roughly 3.31%. The payout ratio is around 65% of earnings.

Unity Bank stock price

Volume
Ex-Dividend
Details

Stock Price

ⓘ

How to Read This Chart

This chart tracks the historical stock price of Unity Bank over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Unity Bank stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Unity Bank's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Unity Bank Stock Price History
DateUnity Bank Price
6/19/20261.51 NGN
3/18/20261.51 NGN
3/17/20261.51 NGN
3/16/20261.51 NGN
3/13/20261.51 NGN
3/12/20261.51 NGN
3/11/20261.51 NGN
3/10/20261.51 NGN
3/9/20261.51 NGN
3/6/20261.51 NGN
3/5/20261.51 NGN
3/4/20261.51 NGN
3/3/20261.51 NGN
3/2/20261.51 NGN
2/27/20261.51 NGN
2/26/20261.51 NGN
2/25/20261.51 NGN
2/24/20261.51 NGN
2/23/20261.51 NGN
2/20/20261.51 NGN
2/19/20261.51 NGN
2/18/20261.51 NGN
2/17/20261.51 NGN
2/16/20261.51 NGN
2/13/20261.51 NGN
2/12/20261.51 NGN
2/11/20261.51 NGN
2/10/20261.51 NGN
2/9/20261.51 NGN
2/6/20261.51 NGN
2/5/20261.51 NGN
2/4/20261.51 NGN
2/3/20261.51 NGN
2/2/20261.51 NGN
1/30/20261.51 NGN
1/29/20261.51 NGN
1/28/20261.51 NGN
1/27/20261.51 NGN
1/26/20261.51 NGN
1/23/20261.51 NGN
1/22/20261.51 NGN
1/21/20261.51 NGN
1/20/20261.51 NGN
1/19/20261.51 NGN
1/16/20261.51 NGN
1/15/20261.51 NGN
1/14/20261.51 NGN
1/13/20261.51 NGN
1/12/20261.51 NGN
1/9/20261.51 NGN
1/8/20261.51 NGN
1/7/20261.51 NGN
1/6/20261.51 NGN
1/5/20261.51 NGN
1/2/20261.51 NGN
12/31/20251.51 NGN
12/30/20251.51 NGN
12/29/20251.51 NGN
12/24/20251.51 NGN
12/23/20251.51 NGN
12/22/20251.51 NGN
12/19/20251.51 NGN
12/18/20251.51 NGN
12/17/20251.51 NGN
12/16/20251.51 NGN
12/15/20251.51 NGN
12/12/20251.51 NGN
12/11/20251.51 NGN
12/10/20251.51 NGN
12/9/20251.51 NGN
12/8/20251.51 NGN
12/5/20251.51 NGN
12/4/20251.51 NGN
12/3/20251.51 NGN
12/2/20251.51 NGN
12/1/20251.51 NGN
11/28/20251.51 NGN
11/27/20251.51 NGN
11/26/20251.51 NGN
11/25/20251.51 NGN
11/24/20251.51 NGN
11/21/20251.51 NGN
11/20/20251.51 NGN
11/19/20251.51 NGN
11/18/20251.51 NGN
11/17/20251.51 NGN
11/14/20251.51 NGN
11/13/20251.51 NGN
11/12/20251.51 NGN
11/11/20251.51 NGN
11/10/20251.51 NGN
11/7/20251.51 NGN
11/6/20251.51 NGN
11/5/20251.51 NGN
11/4/20251.51 NGN
11/3/20251.51 NGN
10/31/20251.51 NGN
10/30/20251.51 NGN
10/29/20251.51 NGN
10/28/20251.51 NGN
10/27/20251.51 NGN
10/24/20251.51 NGN
10/23/20251.51 NGN
10/22/20251.51 NGN
10/21/20251.51 NGN
10/20/20251.51 NGN
10/17/20251.51 NGN
10/16/20251.51 NGN
10/15/20251.51 NGN
10/14/20251.51 NGN
10/13/20251.51 NGN
10/10/20251.51 NGN
10/9/20251.51 NGN
10/8/20251.51 NGN
10/7/20251.51 NGN
10/6/20251.51 NGN
10/3/20251.51 NGN
10/2/20251.51 NGN
9/30/20251.51 NGN
9/29/20251.51 NGN
9/26/20251.51 NGN
9/25/20251.51 NGN
9/24/20251.51 NGN
9/23/20251.51 NGN
9/22/20251.51 NGN
9/19/20251.51 NGN
9/18/20251.51 NGN
9/17/20251.51 NGN
9/16/20251.51 NGN
9/15/20251.51 NGN
9/12/20251.51 NGN
9/11/20251.51 NGN
9/10/20251.51 NGN
9/9/20251.51 NGN
9/8/20251.51 NGN
9/4/20251.51 NGN
9/3/20251.51 NGN
9/2/20251.51 NGN
9/1/20251.51 NGN
8/29/20251.51 NGN
8/28/20251.51 NGN
8/27/20251.51 NGN
8/26/20251.51 NGN
8/25/20251.51 NGN
8/22/20251.51 NGN
8/21/20251.51 NGN
8/20/20251.51 NGN
8/19/20251.51 NGN
8/18/20251.51 NGN
8/15/20251.51 NGN
8/14/20251.51 NGN
8/13/20251.51 NGN
8/12/20251.51 NGN
8/11/20251.51 NGN
8/8/20251.51 NGN
8/7/20251.51 NGN
8/6/20251.51 NGN
8/5/20251.51 NGN
8/4/20251.51 NGN
8/1/20251.51 NGN
7/31/20251.51 NGN
7/30/20251.51 NGN
7/29/20251.51 NGN
7/28/20251.51 NGN
7/25/20251.51 NGN
7/24/20251.51 NGN
7/23/20251.51 NGN
7/22/20251.51 NGN
7/21/20251.51 NGN
7/18/20251.51 NGN
7/17/20251.51 NGN
7/16/20251.51 NGN
7/14/20251.51 NGN
Access this data via the Eulerpool API
Get Free API Key

Unity Bank Revenue, EBIT, Net Income

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue
Net Income
Details
Date
Revenue
Net Income
Jan 1, 2016
84.02 B NGN
2.18 B NGN
Jan 1, 2017
89.93 B NGN
-14.92 B NGN
Jan 1, 2018
37.33 B NGN
1.27 B NGN
Jan 1, 2019
44.59 B NGN
3.38 B NGN
Jan 1, 2020
46.53 B NGN
2.09 B NGN
Jan 1, 2021
50.28 B NGN
3.17 B NGN
Jan 1, 2022
57.24 B NGN
941.38 M NGN
Jan 1, 2023
59.36 B NGN
-62.64 B NGN

Unity Bank Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jul 12, 2026, 10:03 AM
 
REVENUEB NGN
REVENUE GROWTH%
NET INCOMEB NGN
NET INCOME GROWTH%
DIV.NGN
SHARESB
2008200920102011201220132014201520162017201820192020202120222023
51.5946.6664.8146.2753.7662.8377.3578.8384.0289.9337.3344.5946.5350.2857.2459.36
115.60-9.5638.89-28.6116.2016.8723.121.916.597.03-58.4919.464.358.0813.833.71
-12.75-16.1312.442.696.18-22.5810.694.692.18-14.921.273.382.093.170.94-62.64
-1,821.1926.45-177.10-78.34129.40-465.40-147.35-56.14-53.42-783.06-108.51166.59-38.3452.11-70.34-6,756.43
–––1.00––––––––––––
1.601.603.333.503.503.856.1311.6911.6911.6911.6911.6911.6911.6911.6911.69
Details

Income Statement Key Figures

ⓘ

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Unity Bank generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Unity Bank retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Unity Bank's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Unity Bank has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Unity Bank's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Unity Bank stock margins

The Unity Bank margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Unity Bank. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Unity Bank.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Profit margin
Details
Date
Profit margin
Jan 1, 2016
2.60 %
Jan 1, 2017
-16.59 %
Jan 1, 2018
3.40 %
Jan 1, 2019
7.59 %
Jan 1, 2020
4.48 %
Jan 1, 2021
6.31 %
Jan 1, 2022
1.64 %
Jan 1, 2023
-105.51 %

Unity Bank Stock Revenue, EBIT, Earnings per Share

The Unity Bank earnings per share therefore indicates how much revenue Unity Bank has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2016
7.19 NGN
0.19 NGN
Jan 1, 2017
7.69 NGN
-1.28 NGN
Jan 1, 2018
3.19 NGN
0.11 NGN
Jan 1, 2019
3.81 NGN
0.29 NGN
Jan 1, 2020
3.98 NGN
0.18 NGN
Jan 1, 2021
4.30 NGN
0.27 NGN
Jan 1, 2022
4.90 NGN
0.08 NGN
Jan 1, 2023
5.08 NGN
-5.36 NGN

Unity Bank business model & stock analysis

Unity Bank Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Unity Bank historical P/E ratio, EBIT multiple, and P/S ratio

Unity Bank annual returns

Details

Annual Return

ⓘ

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Unity Bank shares outstanding

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2016
11.69 B Stocks
Jan 1, 2017
11.69 B Stocks
Jan 1, 2018
11.69 B Stocks
Jan 1, 2019
11.69 B Stocks
Jan 1, 2020
11.69 B Stocks
Jan 1, 2021
11.69 B Stocks
Jan 1, 2022
11.69 B Stocks
Jan 1, 2023
11.69 B Stocks

Unity Bank Dividend History

1 years of dividend payments

YearAnnual DividendYoY ChangePayments
20110.05NGN—1×

Unity Bank dividend payout ratio

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2016
64.94 %
Jan 1, 2017
64.94 %
Jan 1, 2018
64.94 %
Jan 1, 2019
64.94 %
Jan 1, 2020
64.94 %
Jan 1, 2021
64.94 %
Jan 1, 2022
64.94 %
Jan 1, 2023
64.94 %
Price targets and forecasts for Unity Bank are not yet available.

Unity Bank shareholder structure

% Name
34.22034%
Asset Management Corporation of Nigeria
Asset Management Corporation of Nigeria
12.66637%
Pan-African Asset Management (Pty) Ltd
Pan-African Asset Management (Pty) Ltd
9.00991%
Etuh (Thomas Akoh)
Etuh (Thomas Akoh)
7.92264%
Obasanjo (Oluwafunsho A.)
Obasanjo (Oluwafunsho A.)
6.13997%
IBAD Ltd.
IBAD Ltd.
5.54756%
Bashir (Hafiz Mohammed)
Bashir (Hafiz Mohammed)

Unity Bank Executives and Management Board

HB

Mr. Hafiz Bashir

Acting Chairman of the Board · since 2017

OS

Mrs. Oluwatomi Somefun

Managing Director/Chief Executive Officer, Executive Director · since 2015

EK

Mr. Ebenezer Kolawole

Executive Director, Finance and Operations

UA

Mr. Usman Abdulqadir

Executive Director, Corporate Planning and Compliance · since 2018

TT

Mr. Temisan Tuedor

Executive Director, South Bank · since 2015

Frequently asked questions about Unity Bank

10 analysts currently rate the Unity Bank stock: 0 recommend buying, 2 holding and 8 selling.

Unity Bank Analyst Price Targets 2026

All fundamentals and in-depth analysis of Unity Bank

Our stock analysis for Unity Bank stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Unity Bank. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

Unity Bank Stock
Unity Bank Revenue→
Unity Bank Stock
Unity Bank Net Income→
Unity Bank Stock
Unity Bank P/E→
Unity Bank Stock
Unity Bank P/S→
Unity Bank Stock
Unity Bank EBIT→
Unity Bank Stock
Unity Bank Dividend→
Unity Bank Stock
Unity Bank Directors Dealings→
Unity Bank Stock
Unity Bank Stocks→
Unity Bank Stock
Unity Bank Market capitalization→
Unity Bank Stock
Unity Bank Debt→
Unity Bank Stock
Unity Bank Liabilities→
Unity Bank Stock
Unity Bank Equity→
Unity Bank Stock
Unity Bank AAQS→
Unity Bank Stock
Unity Bank Employees→
Unity Bank Stock
Unity Bank ROE→
Unity Bank Stock
Unity Bank ROA→
Unity Bank Stock
Unity Bank ROCE→
Unity Bank Stock
Unity Bank News→
Unity Bank Stock
Unity Bank Analyst Price Targets→

Finance Stocks

UNIVA Oak HoldingsUnity BancorpUniversal Insurance HoldingsUnited Tennessee BanksharesUniversity Bancorp Inc (MICHIGAN)United Overseas InsuranceUnivest FinancialUnited Overseas BankUnum GroupUnited International Holding Company SJSCUOB-Kay Hian HoldingsUnited InteractiveAll Stocks A–Z →