UNTY - NASDAQ
Unity Bancorp, Inc.
$52.76
-3.6%Unity Bancorp, Inc. operates as the holding company for Unity Bank that provides commercial and retail banking products and services to individuals, small and medium sized businesses, and professional communities. The company offers personal and business checking accounts, time deposits, money market accounts, and regular savings accounts, as well as noninterest and interest-bearing demand deposits. It also provides small business administration loans; commercial loans; and residential mortgage and consumer loans, including residential real estate, home equity lines and loans, and residential construction lines, as well as personal loans. the company offered its services through the Internet and nineteen branch offices located in Bergen, Hunterdon, Middlesex, Somerset, Union, and Warren counties in New Jersey, as well as Northampton County, Pennsylvania. Unity Bancorp, Inc. was incorporated in 1991 and is based in Clinton, New Jersey.
At a Glance
Live SnapshotUnity Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Moderate conversion rate. Some gap between earnings and cash flow may warrant investigation into working capital or non-cash items.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Declining FCF warrants attention. Investigate whether due to temporary factors or fundamental deterioration.
Working Capital Impact
Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.
Cash Flow Quality Insight
Solid cash generation: Positive free cash flow with reasonable earnings quality provides financial flexibility for growth investments, debt reduction, or shareholder returns.
Unity Bancorp, Inc. Cash Flow Statement
UNTY • NASDAQ
| Unity Bancorp, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
58M | 41.5M | 39.7M | 38.5M | 36.1M | 23.6M | 23.7M | 21.9M | 12.9M | 13.2M | 9.6M | 6.4M | 5.1M | 4.2M | 2.5M | 2.2M | -1.1M | 1.9M | 4.7M | 5.8M | |
2.8M | 2.6M | 2.4M | 2.8M | 1.6M | 1.9M | 1.6M | 1.9M | 1.2M | 734K | 530K | 1.4M | 1.3M | 1.4M | 1M | 1.3M | 1.4M | 597K | 1.1M | 835K | |
-840K | -1.7M | -87K | -1.2M | -1.5M | -3.1M | -299K | -1.3M | 1.5M | 110K | 367K | 498K | 389K | 783K | 4K | -641K | -2.1M | -1.3M | -693K | -541K | |
2.1M | 1.8M | 1.8M | 1.7M | 1.6M | 1.4M | 1.3M | 1.1M | 746.3K | 545.2K | 450.3K | 398K | 340K | 310K | 221K | 317K | 310K | 348K | 0.0 | 0.0 | |
-4.8M | 894K | -1.3M | -230K | -7.1M | 1.4M | 5.5M | 13.9M | -3.2M | -6.4M | -7.6M | 2.6M | 2.9M | 4.8M | 11.6M | 12M | 9.2M | 3.2M | 995K | -3.6M | |
(0.0) | (14.1M) | (13.2M) | (13.9M) | (14M) | (11.1M) | (8.2M) | (5.9M) | (7M) | (7.6M) | (4.8M) | (2.2M) | (2.5M) | (969K) | (606K) | (1.3M) | (1.1M) | (1.5M) | (0.0) | (0.0) | |
-12.3M | 3M | 4.4M | 1.2M | 1.8M | -3M | 1.5M | 1.1M | 1.2M | 639K | -325K | 392K | 1.5M | 1.9M | 971K | 1.8M | -3.3M | -351K | -9.9M | 4.7M | |
44.9M | 48M | 46.9M | 42.7M | 32.5M | 22.3M | 33.2M | 38.6M | 14.4M | 8.8M | 3M | 11.7M | 11.4M | 13.3M | 16.4M | 17M | 4.5M | 4.4M | -3.8M | 7.2M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -693K | -955K | -1.5M | -1.2M | -559K | -709K | -1.5M | -1.5M | -9.6M | -951K | -597K | -4.8M | -1.8M | -1.7M | -421K | -496K | -1.8M | -1.6M | -2M | |
-85K | -17.7M | -876K | -78.6M | -58.3M | -3.8M | -13.1M | -1.7M | -29.5M | -20.7M | -3.5M | -10.3M | -39M | -47M | -46.1M | -53M | -117.3M | -89.4M | -20.1M | -23.2M | |
44.8M | 8.7M | 6.5M | 9.9M | 27.3M | 22M | 11.9M | 6.8M | 20.8M | 30.3M | 11.5M | 38.6M | 39.2M | 43.5M | 67.7M | 91.2M | 97.7M | 34.6M | 25.4M | 21.5M | |
-301.5M | -83.1M | -62.5M | -471M | -8.3M | -193M | -131.2M | -144.2M | -209.4M | -81.8M | -117.8M | -88.1M | -99.5M | -341K | 13.8M | 29.9M | 24.7M | -95.6M | -70.7M | -60.9M | |
-256.8M | -92.8M | -57.8M | -541.3M | -40.5M | -175.4M | -133.1M | -140.7M | -219.6M | -81.8M | -110.7M | -60.4M | -104M | -5.6M | (33.7M) | (67.7M) | (4.5M) | -152.1M | -66.9M | -64.6M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-5.4M | -6.2M | -15.7M | -42K | -4.2M | -7.4M | 453K | 576K | 509K | 14.4M | 0.0 | 6.1M | 0.0 | 186K | 446K | 94K | 9K | 235K | -11.8M | 781K | |
35.3M | -135.9M | -26.6M | 343M | -160M | -83M | 73M | -65M | 154M | 26.1M | -33M | 18M | 32M | 0.0 | 0.0 | -10M | -20M | 20M | 30M | 30M | |
-5.6M | -5M | -4.7M | -4.4M | -3.6M | -3.3M | -3.3M | -2.8M | -2.4M | -1.5M | -1.1M | -757K | -773K | -1M | -1M | -1M | -975K | -1M | -1.4M | -1.3M | |
-5M | -6.2M | -15.7M | -42K | -4.2M | -7.4M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -23.4M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -3.9M | (0.0) | |
223.7M | 177.7M | 137.9M | 30M | 201.3M | 308.1M | 42.7M | 165.1M | 97.9M | 51.8M | 100.2M | 55.7M | 87.2M | 5M | -10.4M | -103.4M | 51.1M | 108.5M | 34.8M | 44.6M | |
248M | 30.5M | 90.9M | 368.6M | 33.5M | 214.3M | 112.4M | 97.3M | 249.5M | 90.8M | 66M | 79.1M | 97.8M | 3.9M | -11.4M | -114.4M | 30.2M | 145.7M | 51.6M | 74.1M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
36.1M | -14.3M | 80M | -130M | 25.5M | 61.3M | 12.5M | -4.7M | 44.4M | 17.7M | -41.7M | 30.4M | 5.2M | 11.6M | 38.6M | -29.7M | 39.2M | -1.9M | -19.1M | 16.7M | |
180.4M | 194.8M | 114.8M | 244.8M | 219.3M | 158M | 145.5M | 150.3M | 105.9M | 88.2M | 129.8M | 99.4M | 94.2M | 82.6M | 43.9M | 73.6M | 34.4M | 36.3M | 55.4M | 38.8M | |
216.5M | 180.4M | 194.8M | 114.8M | 244.8M | 219.3M | 158M | 145.5M | 150.3M | 105.9M | 88.2M | 129.8M | 99.4M | 94.2M | 82.6M | 43.9M | 73.6M | 34.4M | 36.3M | 55.4M | |
44.3M | 47.3M | 46M | 41.2M | 31.3M | 21.8M | 32.5M | 37.1M | 12.9M | -807K | 2M | 11.1M | 6.7M | 11.5M | 14.6M | 16.6M | 4M | 2.7M | -5.4M | 5.2M |
SEC Filings
UNTY - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 21, 2026 | May 21, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 22, 2026 | April 22, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 14, 2026 | April 14, 2026 | 2026 | |
DEF 14A DEF 14A 2025 N/A | March 06, 2026 | December 31, 2025 | 2025 | |
10-K 10-K 2025 FY FY | March 04, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 26, 2026 | February 26, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 13, 2026 | January 13, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 18, 2025 | December 18, 2025 | 2025 |
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