Unity Bancorp Inc (UNTY) — Defensive Interval Ratio
Unity Bancorp Inc (UNTY) has a Defensive Interval Ratio of 17 days as of June 2026. Defensive assets of $132.29 Million (cash $-, short-term investments $119.30 Million, receivables $12.99 Million) cover 17 days of daily cash needs of $7.62 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Unity Bancorp Inc Defensive Interval Ratio (1996–2025)
This chart shows how Unity Bancorp Inc's Defensive Interval Ratio has evolved across 30 annual periods from 1996 to 2025. As of June 2026, the ratio stands at 17 days, meaning defensive assets of $132.29 Million can fund 17 days of operations without new revenue. For the complete balance sheet picture, see how large is Unity Bancorp Inc's balance sheet.
Annual Defensive Interval Ratio for Unity Bancorp Inc (1996–2025)
The table below presents the year-by-year Defensive Interval Ratio for Unity Bancorp Inc from 1996 to 2025, covering 30 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See Unity Bancorp Inc current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 21 days | $136.91 Million | $6.45 Million/day | $- | $124.02 Million | ▲ +16 days |
| 2024 | 5 days | $28.22 Million | $5.76 Million/day | $- | $15.53 Million | ▼ -15 days |
| 2023 | 20 days | $105.35 Million | $5.34 Million/day | $- | $91.77 Million | ▼ -2 days |
| 2022 | 22 days | $108.80 Million | $4.97 Million/day | $- | $95.39 Million | ▲ +8 days |
| 2021 | 14 days | $66.07 Million | $4.86 Million/day | $- | $56.48 Million | ▲ +0 days |
| 2020 | 13 days | $57.09 Million | $4.29 Million/day | $- | $45.62 Million | ▼ -7 days |
| 2019 | 21 days | $71.54 Million | $3.47 Million/day | $- | $64.28 Million | ▲ +5 days |
| 2018 | 16 days | $53.26 Million | $3.34 Million/day | $- | $46.71 Million | ▼ -4 days |
| 2017 | 20 days | $57.78 Million | $2.88 Million/day | $- | $52.29 Million | ▲ +3 days |
| 2016 | 17 days | $45.27 Million | $2.65 Million/day | $- | $40.57 Million | ▼ -44914 days |
| 2015 | 44931 days | $56.75 Million | $1.26K/day | $- | $52.87 Million | ▲ +44903 days |
| 2014 | 29 days | $63.91 Million | $2.23 Million/day | $- | $60.07 Million | ▼ -11 days |
| 2013 | 39 days | $84.83 Million | $2.15 Million/day | $- | $81.13 Million | ▼ -10 days |
| 2012 | 49 days | $93.59 Million | $1.91 Million/day | $- | $89.54 Million | ▼ -77584 days |
| 2011 | 77633 days | $111.24 Million | $1.43K/day | $- | $107.54 Million | ▲ +77618 days |
| 2010 | 15 days | $30.08 Million | $2.01 Million/day | $- | $26.29 Million | ▲ +35 days |
| 2009 | -20 days | $-45.89 Million | $2.32 Million/day | $- | $-50.12 Million | ▼ -29 days |
| 2008 | 9 days | $20.24 Million | $2.23 Million/day | $- | $15.53 Million | ▼ -7 days |
| 2007 | 16 days | $26.36 Million | $1.65 Million/day | $- | $21.98 Million | ▼ -13 days |
| 2006 | 29 days | $44.98 Million | $1.55 Million/day | $- | $40.71 Million | ▲ +8 days |
| 2005 | 21 days | $29.98 Million | $1.43 Million/day | $- | $26.81 Million | ▲ +10 days |
| 2004 | 11 days | $13.46 Million | $1.19 Million/day | $- | $10.97 Million | ▼ -4 days |
| 2003 | 15 days | $16.89 Million | $1.14 Million/day | $- | $14.50 Million | ▼ -5 days |
| 2002 | 20 days | $20.58 Million | $1.05 Million/day | $- | $18.00 Million | ▲ +17 days |
| 2001 | 2 days | $2.26 Million | $932.38K/day | $- | $- | ▼ -37 days |
| 2000 | 39 days | $34.34 Million | $879.41K/day | $- | $31.50 Million | ▲ +36 days |
| 1999 | 3 days | $2.90 Million | $982.74K/day | $- | $- | ▲ +1 days |
| 1998 | 2 days | $1.20 Million | $622.74K/day | $- | $- | ▼ -1 days |
| 1997 | 2 days | $1.30 Million | $528.49K/day | $- | $- | ▼ 0 days |
| 1996 | 3 days | $1.10 Million | $422.19K/day | $- | $- | — |