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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	43.46	41.45	39.71	38.46	36.12	23.64
Depreciation & Amortization	2.71	2.58	2.38	2.76	1.61	1.91
Gain (Loss) on Sale of Assets	-	-	-	-	-	0.16
Gain (Loss) on Sale of Investments	-0.37	-0.35	-0.61	0.01	0.16	-0.08
Provision for Credit Losses	4.67	3.95	3.12	4.16	0.18	7
Change in Other Net Operating Assets	2.56	2.99	4.44	1.21	1.76	-2.98
Other Operating Activities	-2.9	-2.3	-1.03	-3.25	-3.61	-0.76
Operating Cash Flow	50.08	47.99	46.91	42.67	32.53	22.32
Operating Cash Flow Growth	2.37%	2.30%	9.94%	31.17%	45.72%	-32.77%
Capital Expenditures	-0.89	-0.69	-0.96	-1.48	-1.25	-0.56
Investment in Securities	-2.52	-9.04	5.58	-68.78	-31.01	18.15
Net Decrease (Increase) in Loans Originated / Sold - Investing	-171.46	-89.01	-65.5	-455.97	-15.9	-198.53
Other Investing Activities	2.31	5.93	3.03	-15.05	7.64	4.01
Investing Cash Flow	-172.55	-92.81	-57.85	-541.28	-40.52	-175.36
Short-Term Debt Issued	-	-	-	343	-	-
Long-Term Debt Issued	-	1.07	39.44	-	-	-
Total Debt Issued	19.71	1.07	39.44	343	-	-
Short-Term Debt Repaid	-	-137	-66	-	-	-
Long-Term Debt Repaid	-	-	-	-	-160	-83
Total Debt Repaid	-75.81	-137	-66	-	-160	-83
Net Debt Issued (Repaid)	-56.11	-135.93	-26.56	343	-160	-83
Issuance of Common Stock	0.76	1.48	1.28	1.36	0.38	0.23
Repurchase of Common Stock	-2.59	-6.21	-15.69	-0.04	-4.19	-7.44
Common Dividends Paid	-5.12	-5.02	-4.72	-4.37	-3.62	-3.3
Net Increase (Decrease) in Deposit Accounts	214.13	176.17	136.61	28.65	200.92	307.85
Financing Cash Flow	151.08	30.49	90.92	368.59	33.49	214.33
Net Cash Flow	28.61	-14.34	79.98	-130.03	25.51	61.3
Free Cash Flow	49.19	47.29	45.95	41.19	31.28	21.76
Free Cash Flow Growth	2.29%	2.92%	11.57%	31.67%	43.72%	-33.02%
Free Cash Flow Margin	46.29%	45.86%	45.97%	43.87%	35.18%	30.92%
Free Cash Flow Per Share	4.83	4.64	4.45	3.85	2.97	2.01
Cash Interest Paid	55.98	57.35	47.26	10.07	7.86	14.69
Cash Income Tax Paid	13.92	14.07	13.22	13.93	13.99	11.11

Updated Apr 11, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q