Is UNTY or USB more undervalued in 2026?

CirclFi compares Unity Bancorp, Inc. (UNTY) and U.S. Bancorp (USB) using 13 institutional-grade valuation models. UNTY has a Quality of Company score of 9.7/10 while USB scores 6.7/10.

Which is a better buy — UNTY or USB?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do UNTY and USB valuations compare?

UNTY at $56.25 and USB at $54.45 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

UNTY vs USB Valuation Comparison 2026 — Intrinsic Value Analysis

UNTY

Banks - Regional

Unity Bancorp, Inc.

Quality

9.7

out of 10

Value Trap

SAFE

Price

$56.25

Last close

Models

12/13

Active

USB

Banks - Regional

U.S. Bancorp

Quality

6.7

out of 10

Value Trap

SAFE

Price

$54.45

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	UNTY Fair Value	UNTY Upside	USB Fair Value	USB Upside
Bayesian DCF	Intrinsic	$44.11	-21.6%	$25.21	-53.7%
Earnings Power Value	Intrinsic	$67.02	+19.1%	$64.32	+18.1%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for UNTY vs USB — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

UNTY vs USB — Which Stock Is More Undervalued?

UNTY scores higher with a 9.7/10 quality rating vs USB's 6.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Unity Bancorp, Inc. (UNTY) and U.S. Bancorp (USB) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

UNTY currently trades at $56.25 with a QOC of 9.7/10, while USB trades at $54.45 with a QOC of 6.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).