Unity Bancorp Inc (UNTY) — Cash Flow-to-Debt Ratio
Unity Bancorp Inc (UNTY) has a Cash Flow-to-Debt Ratio of 0.01x as of March 2026, meaning its operating cash flow of $14.92 Million could theoretically repay 0% of its total liabilities ($2.67 Billion) in one year. See Unity Bancorp Inc free cash flow efficiency to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Unity Bancorp Inc Cash Flow-to-Debt Ratio (1996–2025)
Historical debt coverage capacity for Unity Bancorp Inc across 30 annual periods. Also explore UNTY net assets growth trend to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Unity Bancorp Inc (1996–2025)
Year-by-year debt coverage analysis for Unity Bancorp Inc. For market capitalisation and broader financial context, see Unity Bancorp Inc stock valuation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | $44.91 Million | $2.62 Billion | ▼ -15.8% |
| 2024 | 0.02x | $47.99 Million | $2.36 Billion | ▲ +0.5% |
| 2023 | 0.02x | $46.91 Million | $2.32 Billion | ▲ +4.7% |
| 2022 | 0.02x | $42.67 Million | $2.21 Billion | ▲ +50.8% |
| 2021 | 0.01x | $23.45 Million | $1.83 Billion | ▼ -32.1% |
| 2020 | 0.02x | $33.74 Million | $1.79 Billion | ▼ -11.3% |
| 2019 | 0.02x | $33.20 Million | $1.56 Billion | ▼ -20.4% |
| 2018 | 0.03x | $38.59 Million | $1.44 Billion | ▲ +147.9% |
| 2017 | 0.01x | $14.45 Million | $1.34 Billion | ▲ +33.2% |
| 2016 | 0.01x | $8.79 Million | $1.08 Billion | ▲ +173.7% |
| 2015 | 0.00x | $2.98 Million | $1.01 Billion | ▼ -76.3% |
| 2014 | 0.01x | $11.72 Million | $938.66 Million | ▼ -5.8% |
| 2013 | 0.01x | $11.45 Million | $863.95 Million | ▼ -26.1% |
| 2012 | 0.02x | $13.31 Million | $742.22 Million | ▼ -19.2% |
| 2011 | 0.02x | $16.35 Million | $737.29 Million | ▼ -2.4% |
| 2010 | 0.02x | $17.01 Million | $748.33 Million | ▲ +334.3% |
| 2009 | 0.01x | $4.51 Million | $862.49 Million | ▼ -2.3% |
| 2008 | 0.01x | $4.45 Million | $830.51 Million | ▲ +199.0% |
| 2007 | -0.01x | $-3.81 Million | $704.94 Million | ▼ -148.6% |
| 2006 | 0.01x | $7.21 Million | $647.88 Million | ▲ +214.3% |
| 2005 | 0.00x | $2.03 Million | $573.24 Million | ▼ -81.6% |
| 2004 | 0.02x | $9.21 Million | $479.55 Million | ▲ +129.9% |
| 2003 | 0.01x | $3.65 Million | $436.66 Million | ▼ -63.1% |
| 2002 | 0.02x | $9.19 Million | $405.77 Million | ▲ +322.2% |
| 2001 | -0.01x | $-3.61 Million | $354.40 Million | ▲ +48.2% |
| 2000 | -0.02x | $-6.58 Million | $334.69 Million | ▼ -26.2% |
| 1999 | -0.02x | $-6.50 Million | $417.17 Million | ▼ -295.2% |
| 1998 | 0.00x | $-900.00K | $228.30 Million | ▼ -184.9% |
| 1997 | 0.00x | $900.00K | $193.80 Million | ▲ +279.6% |
| 1996 | 0.00x | $-400.00K | $154.70 Million | — |