Unity Bancorp, Inc. (UNTY)

Unity Bancorp Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	41.45	39.71	38.46	36.12
Depreciation & Amortization	2.58	2.38	2.76	1.61
Gain (Loss) on Sale of Investments	-0.35	-0.61	0.01	0.16
Provision for Credit Losses	3.95	3.12	4.16	0.18
Change in Other Net Operating Assets	2.99	4.44	1.21	1.76
Other Operating Activities	-2.3	-1.03	-3.25	-3.61
Operating Cash Flow	47.99	46.91	42.67	32.53
Operating Cash Flow Growth	2.30%	9.94%	31.17%	45.72%
Capital Expenditures	-0.69	-0.96	-1.48	-1.25
Investment in Securities	-9.04	5.58	-68.78	-31.01
Net Decrease (Increase) in Loans Originated / Sold - Investing	-89.01	-65.5	-455.97	-15.9
Other Investing Activities	5.93	3.03	-15.05	7.64
Investing Cash Flow	-92.81	-57.85	-541.28	-40.52
Short-Term Debt Issued	-	-	343	-
Long-Term Debt Issued	1.07	39.44	-	-
Total Debt Issued	1.07	39.44	343	-
Short-Term Debt Repaid	-137	-66	-	-
Long-Term Debt Repaid	-	-	-	-160
Total Debt Repaid	-137	-66	-	-160
Net Debt Issued (Repaid)	-135.93	-26.56	343	-160
Issuance of Common Stock	1.48	1.28	1.36	0.38
Repurchase of Common Stock	-6.21	-15.69	-0.04	-4.19
Common Dividends Paid	-5.02	-4.72	-4.37	-3.62
Net Increase (Decrease) in Deposit Accounts	176.17	136.61	28.65	200.92
Financing Cash Flow	30.49	90.92	368.59	33.49
Net Cash Flow	-14.34	79.98	-130.03	25.51
Free Cash Flow	47.29	45.95	41.19	31.28
Free Cash Flow Growth	2.92%	11.57%	31.67%	43.72%
Free Cash Flow Margin	45.86%	45.97%	43.87%	35.18%
Free Cash Flow Per Share	4.64	4.45	3.85	2.97
Cash Interest Paid	57.35	47.26	10.07	7.86
Cash Income Tax Paid	14.07	13.22	13.93	13.99

Updated Jan 13, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q