Unity Bancorp, Inc. (UNTY)

Unity Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	50.5	41.45	39.71	38.46	36.12	23.64
Depreciation & Amortization	2.8	2.58	2.38	2.76	1.61	1.91
Provision for Credit Losses	4.58	3.95	3.11	4.16	0.18	7
Stock-Based Compensation	1.93	1.82	1.75	1.68	1.62	1.41
Other Adjustments	-8.09	-4.8	-4.49	-5.59	-8.75	-8.67
Changes in Other Operating Activities	-17.36	2.99	4.44	1.21	1.76	-2.98
Operating Cash Flow	33.21	47.99	46.91	42.67	32.33	22.32
Operating Cash Flow Growth	-27.10%	2.30%	9.94%	31.98%	44.82%	-32.77%
Net Change in Loans Held-for-Investment	-215.92	-89.01	-65.5	-455.97	-15.9	-198.52
Net Change in Securities and Investments	16.1	-9.04	-0.42	-68.78	-31.01	18.15
Capital Expenditures	-0.94	-0.69	-0.96	-1.48	-	-
Sale of Property, Plant & Equipment	-	-	-	-	-1.25	-0.56
Other Investing Activities	-4.77	5.93	3.03	-15.05	7.64	5.58
Investing Cash Flow	-208.6	-92.81	-57.85	-541.28	-40.52	-175.36
Net Change in Deposits	176.54	176.17	136.61	28.65	200.92	307.85
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	94.4	-137	-66	343	-160	-83
Long-Term Debt Issued	-	1.07	39.44	-	-	-
Net Long-Term Debt Issued (Repaid)	-	1.07	39.44	-	-	-
Issuance of Common Stock	0.31	1.48	1.28	1.36	0.38	0.23
Repurchase of Common Stock	-2.23	-6.21	-15.69	-0.04	-4.19	-7.44
Net Common Stock Issued (Repurchased)	-1.92	-4.73	-14.41	1.32	-3.81	-7.21
Common Dividends Paid	-5.22	-5.02	-4.72	-4.37	-3.62	-3.3
Financing Cash Flow	271.71	30.49	90.92	368.59	33.49	214.33
Net Cash Flow	96.32	-14.34	79.98	-130.03	25.51	61.3
Beginning Cash & Cash Equivalents	197.42	194.78	114.79	244.82	219.31	158.02
Ending Cash & Cash Equivalents	293.73	180.44	194.78	114.79	244.82	219.31
Free Cash Flow	32.26	47.29	45.95	41.19	32.33	22.32
Free Cash Flow Growth	-31.78%	2.92%	11.57%	27.40%	44.82%	-31.30%
FCF Margin	29.03%	46.12%	45.94%	43.82%	36.61%	31.66%
Free Cash Flow Per Share	3.16	4.64	4.45	3.85	3.07	2.06
Levered Free Cash Flow	34.99	47.39	85.01	40.94	39.49	22.58
Unlevered Free Cash Flow	-15.51	4.87	5.87	2.48	3.37	-1.07

Updated Aug 6, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q