Unity Bancorp Inc (UNTY) — Cash Flow Quality Index
Unity Bancorp Inc (UNTY) has a Cash Flow Quality Index of 1.04x as of March 2026. Operating cash flow of $14.92 Million exceeds net income of $14.29 Million, indicating high earnings quality where cash backs reported profits. Explore Unity Bancorp Inc (UNTY) cash conversion ratio to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Unity Bancorp Inc Cash Flow Quality Index (1996–2025)
Historical Cash Flow Quality Index for Unity Bancorp Inc across 27 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Unity Bancorp Inc (UNTY) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Unity Bancorp Inc (1996–2025)
Year-by-year earnings quality comparison for Unity Bancorp Inc. For live market cap and the full company financial profile, see market cap of Unity Bancorp Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.77x | $44.91 Million | $57.95 Million | ▼ -33.1% |
| 2024 | 1.16x | $47.99 Million | $41.45 Million | ▼ -2.0% |
| 2023 | 1.18x | $46.91 Million | $39.71 Million | ▲ +6.5% |
| 2022 | 1.11x | $42.67 Million | $38.46 Million | ▲ +70.9% |
| 2021 | 0.65x | $23.45 Million | $36.12 Million | ▼ -54.5% |
| 2020 | 1.43x | $33.74 Million | $23.64 Million | ▲ +1.7% |
| 2019 | 1.40x | $33.20 Million | $23.65 Million | ▼ -20.3% |
| 2018 | 1.76x | $38.59 Million | $21.92 Million | ▲ +57.1% |
| 2017 | 1.12x | $14.45 Million | $12.89 Million | ▲ +68.4% |
| 2016 | 0.67x | $8.79 Million | $13.21 Million | ▲ +113.2% |
| 2015 | 0.31x | $2.98 Million | $9.56 Million | ▼ -82.9% |
| 2014 | 1.83x | $11.72 Million | $6.41 Million | ▼ -18.3% |
| 2013 | 2.24x | $11.45 Million | $5.12 Million | ▼ -28.6% |
| 2012 | 3.14x | $13.31 Million | $4.24 Million | ▼ -51.2% |
| 2011 | 6.42x | $16.35 Million | $2.55 Million | ▼ -15.4% |
| 2010 | 7.59x | $17.01 Million | $2.24 Million | ▲ +229.5% |
| 2008 | 2.30x | $4.45 Million | $1.93 Million | ▲ +385.7% |
| 2007 | -0.81x | $-3.81 Million | $4.72 Million | ▼ -165.4% |
| 2006 | 1.23x | $7.21 Million | $5.84 Million | ▲ +277.4% |
| 2005 | 0.33x | $2.03 Million | $6.21 Million | ▼ -81.1% |
| 2004 | 1.73x | $9.21 Million | $5.33 Million | ▲ +117.1% |
| 2003 | 0.80x | $3.65 Million | $4.58 Million | ▼ -67.9% |
| 2002 | 2.48x | $9.19 Million | $3.71 Million | ▲ +240.0% |
| 2001 | -1.77x | $-3.61 Million | $2.04 Million | ▼ -312.8% |
| 1998 | -0.43x | $-900.00K | $2.10 Million | ▼ -195.2% |
| 1997 | 0.45x | $900.00K | $2.00 Million | ▲ +212.5% |
| 1996 | -0.40x | $-400.00K | $1.00 Million | — |