University Bancorp, Inc. (UNIB)
OTCMKTS · Delayed Price · Currency is USD
21.00
+0.90 (4.48%)
Apr 16, 2026, 11:38 AM EST
University Bancorp Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 9.02 | 10.47 | 5.43 | 3.79 | 25.32 |
Depreciation & Amortization | 1.38 | 1.77 | 1.71 | 1.9 | 1.9 |
Other Amortization | 0.12 | 0.08 | 0.11 | - | - |
Gain (Loss) on Sale of Assets | 0.01 | 0.05 | - | - | 0.04 |
Gain (Loss) on Sale of Investments | -0.42 | 0.38 | 1.36 | 1.39 | -0.57 |
Total Asset Writedown | - | 0.1 | - | - | - |
Provision for Credit Losses | -3.85 | -1.11 | 0.51 | 1.83 | -3.02 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | -16.97 | 31.23 | 21.97 | 89.22 | 107.29 |
Change in Other Net Operating Assets | 0.25 | 1.19 | -3.58 | -7.68 | -1.25 |
Other Operating Activities | 6.08 | 6.07 | 5 | -10.18 | 0.59 |
Operating Cash Flow | -36.45 | 20.24 | 5.23 | 50.36 | 58.2 |
Operating Cash Flow Growth | - | 287.26% | -89.62% | -13.46% | - |
Capital Expenditures | -1.16 | -2.62 | -1.17 | -0.75 | -2.96 |
Investment in Securities | -13.48 | 3.81 | -14.04 | -13.35 | -3.14 |
Purchase / Sale of Intangibles | 7.87 | - | 1.91 | 17.54 | - |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -105.33 | -52.57 | -187.93 | -365.73 | -73.39 |
Other Investing Activities | -2.75 | -3 | -1.76 | -3.43 | -2.17 |
Investing Cash Flow | -114.72 | -53.84 | -202.97 | -365.73 | -81.66 |
Short-Term Debt Issued | 4.43 | - | 56 | 50 | - |
Long-Term Debt Issued | - | 15 | 13.5 | 14.5 | - |
Total Debt Issued | 4.43 | 15 | 69.5 | 64.5 | - |
Short-Term Debt Repaid | -28 | -16 | - | - | - |
Long-Term Debt Repaid | - | - | - | -1.53 | -0.04 |
Total Debt Repaid | -28 | -16 | - | -1.53 | -0.04 |
Net Debt Issued (Repaid) | -23.57 | -1 | 69.5 | 62.97 | -0.04 |
Issuance of Common Stock | - | - | - | 0.28 | 0.87 |
Preferred Stock Issued | 25 | - | - | - | - |
Preferred Share Repurchases | - | - | - | - | -3.9 |
Common Dividends Paid | -2.07 | -1.03 | - | -2.22 | -2.53 |
Preferred Dividends Paid | - | - | -0.41 | - | -0.38 |
Total Dividends Paid | -2.07 | -1.03 | -0.41 | -2.22 | -2.91 |
Net Increase (Decrease) in Deposit Accounts | 150.02 | 40.46 | 69.21 | 243.71 | -73.38 |
Other Financing Activities | -0.26 | -0.42 | -1.1 | -1.23 | - |
Financing Cash Flow | 149.12 | 38.01 | 137.2 | 303.5 | -79.36 |
Net Cash Flow | -2.05 | 4.41 | -60.55 | -11.86 | -102.83 |
Free Cash Flow | -37.61 | 17.61 | 4.06 | 49.61 | 55.23 |
Free Cash Flow Growth | - | 333.98% | -91.82% | -10.17% | - |
Free Cash Flow Margin | -33.16% | 17.03% | 4.61% | 53.84% | 41.35% |
Free Cash Flow Per Share | -7.28 | 3.41 | 0.82 | 10.05 | 11.30 |
Cash Interest Paid | - | 20.89 | 15.4 | 1.09 | 0.15 |
Cash Income Tax Paid | - | 0.07 | 0.48 | 4.69 | 6.13 |
Source: S&P Global Market Intelligence. Banks template. Financial Sources.