Unity Bancorp Inc (UNTY) — Defensive Interval Ratio
Unity Bancorp Inc (UNTY) has a Defensive Interval Ratio of 18 days as of March 2026. Defensive assets of $128.52 Million (cash $-, short-term investments $115.27 Million, receivables $13.26 Million) cover 18 days of daily cash needs of $7.20 Million/day. Check Unity Bancorp Inc (UNTY) tangible equity ratio to evaluate the tangible quality of the company's equity base.
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 March 2026, the ratio stands at 18 days, meaning defensive assets of $128.52 Million can fund 18 days of operations without new revenue. Also explore how fast is Unity Bancorp Inc growing its equity to track the company's year-over-year net asset growth rate.
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. For live market cap and the full company financial profile, see UNTY market cap.
| 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 | $- | $- | — |