Unity Bancorp (UNTY) Cash Flow: Operating & Free Cash Flow

Unity Bancorp (UNTY) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Unity Bancorp generated $44.91M of operating cash flow and spent $564.00K on capital expenditures. That left free cash flow of $44.34M, down 6.2% from $47.29M a year earlier, or 34.7% of revenue. It returned $10.65M to shareholders through $5.61M in dividends and $5.04M in share buybacks.

Unity Bancorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

Scale:

Scroll to see more

Cash flow statement showing operating, investing, and financing activities for Unity Bancorp, Inc. (UNTY) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	57.95	41.45	39.71	38.46	36.12	23.64	23.65	21.92	12.89
Depreciation & Amortization	2.81	2.58	2.38	2.76	1.61	1.91	1.62	1.94	1.24
Deferred Income Tax	-0.84	-1.75	-0.09	-1.21	-1.46	-3.09	-0.30	-1.26	1.55
Stock Based Compensation	2.09	1.82	1.75	1.68	1.62	1.41	1.27	1.05	0.75
Change in Working Capital	-12.29	2.99	4.44	1.21	1.76	-2.98	1.48	1.06	1.23
Change in Other Working Capital	-12.29	2.99	4.44	-2.05	1.76	-2.98	1.48	1.06	1.23
Other Operating Activities	-7.30	0.89	-1.64	-2.05	-3.45	1.42	5.48	13.88	-3.21
Net Cash from Operating Activities	44.91	47.99	46.91	42.67	32.53	22.32	33.20	38.59	14.45
Investing Activities
Capital Expenditures	-0.56	-0.69	-0.96	-1.48	-1.25	-0.56	-0.71	-1.51	-1.51
Purchases of Investments	-18.11	-17.75	-0.88	-78.64	-58.32	-3.80	-13.08	-1.71	-29.55
Sales/Maturities of Investments	49.54	8.71	6.45	9.85	27.32	21.95	11.88	6.79	20.80
Other Investing Activities	-287.70	-83.08	2.40	0.47	0.60	-192.95	-131.20	-144.22	-209.38
Net Cash from Investing Activities	-256.84	-92.81	-57.85	-541.28	-40.52	-175.36	-133.12	-140.65	-219.63
Financing Activities
Debt Repayment	35.27	-135.93	-66.00	343.00	-160.00	-83.00	73.00	-65.00	154.00
Common Stock Issued	-0.36	0.00	1.28	1.36	0.38	0.00	0.45	0.58	0.51
Common Stock Repurchased	-5.04	-6.21	-15.69	-0.04	-4.19	-7.44	0.00	0.00	0.00
Dividends Paid	-5.61	-5.02	-4.72	-4.37	-3.62	-3.30	-3.26	-2.80	-2.38
Other Financing Activities	223.75	177.65	137.90	30.00	-0.25	308.07	42.67	165.13	97.92
Net Cash from Financing Activities	248.01	30.49	90.92	368.59	33.49	214.33	112.41	97.32	249.54
Summary
Net Change in Cash	36.08	-14.34	79.98	-130.03	25.51	61.30	12.50	-4.74	44.36
Cash at Beginning of Period	180.44	194.78	114.79	244.82	219.31	158.02	145.52	150.25	105.90
Cash at End of Period	216.52	180.44	194.78	114.79	244.82	219.31	158.02	145.52	150.25
Free Cash Flow	44.34	47.29	45.95	41.19	31.28	21.76	32.50	37.08	12.94
Supplemental Disclosures
Interest Paid	-	57.35	47.26	10.07	7.86	-	-	-	-
Income Taxes Paid	-	14.07	13.22	13.93	13.99	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Unity Bancorp Cash Flow

What is Unity Bancorp's free cash flow?

Unity Bancorp generated free cash flow of $44.34M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $44.91M minus $564.00K of capital expenditures. That was down 6.2% from $47.29M a year earlier. Free cash flow equaled 34.7% of revenue.

How much does Unity Bancorp spend on capital expenditures?

Unity Bancorp spent $564.00K on capital expenditures in fiscal 2025, compared with $693.00K a year earlier. That equals 1.3% of operating cash flow.

Does Unity Bancorp pay dividends or buy back shares?

Yes. In fiscal 2025 Unity Bancorp returned $5.61M in dividends and $5.04M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition