Unity Bancorp Inc (UNTY) — Cash Flow Quality Index
Unity Bancorp Inc (UNTY) has a Cash Flow Quality Index of -2.68x as of June 2026. Operating cash flow of $-38.75 Million is below net income of $14.47 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Unity Bancorp Inc cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see Unity Bancorp Inc cash conversion from operations.
Annual Cash Flow Quality Index for Unity Bancorp Inc (1996–2025)
Year-by-year earnings quality comparison for 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 | — |