Unity Bancorp Inc (UNTY) — Financial Flexibility Index
Unity Bancorp Inc (UNTY) has a Financial Flexibility Index of -0.01x as of June 2026. Free cash flow of $-38.65 Million (operating CF $-38.75 Million minus capex $94.00K) represents 0% of total liabilities ($2.82 Billion). Check UNTY capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Unity Bancorp Inc Financial Flexibility Index (1996–2025)
Historical Financial Flexibility Index trend for Unity Bancorp Inc across 30 annual periods. For the full cash flow conversion analysis, see Unity Bancorp Inc (UNTY) cash flow conversion.
Annual Financial Flexibility Index for Unity Bancorp Inc (1996–2025)
Year-by-year free cash flow to debt coverage for Unity Bancorp Inc. Explore Unity Bancorp Inc (UNTY) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $45.47 Million | $44.91 Million | $2.62 Billion | ▼ -16.0% |
| 2024 | 0.02x | $48.68 Million | $47.99 Million | $2.36 Billion | ▼ -0.1% |
| 2023 | 0.02x | $47.86 Million | $46.91 Million | $2.32 Billion | ▲ +3.2% |
| 2022 | 0.02x | $44.15 Million | $42.67 Million | $2.21 Billion | ▲ +48.0% |
| 2021 | 0.01x | $24.72 Million | $23.45 Million | $1.83 Billion | ▼ -29.6% |
| 2020 | 0.02x | $34.30 Million | $33.74 Million | $1.79 Billion | ▼ -11.7% |
| 2019 | 0.02x | $33.91 Million | $33.20 Million | $1.56 Billion | ▼ -21.8% |
| 2018 | 0.03x | $40.10 Million | $38.59 Million | $1.44 Billion | ▲ +133.3% |
| 2017 | 0.01x | $15.96 Million | $14.45 Million | $1.34 Billion | ▼ -29.7% |
| 2016 | 0.02x | $18.38 Million | $8.79 Million | $1.08 Billion | ▲ +334.1% |
| 2015 | 0.00x | $3.93 Million | $2.98 Million | $1.01 Billion | ▼ -70.2% |
| 2014 | 0.01x | $12.31 Million | $11.72 Million | $938.66 Million | ▼ -30.2% |
| 2013 | 0.02x | $16.23 Million | $11.45 Million | $863.95 Million | ▼ -7.8% |
| 2012 | 0.02x | $15.12 Million | $13.31 Million | $742.22 Million | ▼ -16.9% |
| 2011 | 0.02x | $18.07 Million | $16.35 Million | $737.29 Million | ▲ +5.2% |
| 2010 | 0.02x | $17.43 Million | $17.01 Million | $748.33 Million | ▲ +301.0% |
| 2009 | 0.01x | $5.01 Million | $4.51 Million | $862.49 Million | ▼ -22.3% |
| 2008 | 0.01x | $6.21 Million | $4.45 Million | $830.51 Million | ▲ +336.8% |
| 2007 | 0.00x | $-2.23 Million | $-3.81 Million | $704.94 Million | ▼ -122.1% |
| 2006 | 0.01x | $9.26 Million | $7.21 Million | $647.88 Million | ▲ +69.0% |
| 2005 | 0.01x | $4.85 Million | $2.03 Million | $573.24 Million | ▼ -64.8% |
| 2004 | 0.02x | $11.51 Million | $9.21 Million | $479.55 Million | ▲ +150.6% |
| 2003 | 0.01x | $4.18 Million | $3.65 Million | $436.66 Million | ▼ -61.9% |
| 2002 | 0.03x | $10.20 Million | $9.19 Million | $405.77 Million | ▲ +357.4% |
| 2001 | -0.01x | $-3.46 Million | $-3.61 Million | $354.40 Million | ▲ +43.2% |
| 2000 | -0.02x | $-5.76 Million | $-6.58 Million | $334.69 Million | ▼ -498.1% |
| 1999 | 0.00x | $-1.20 Million | $-6.50 Million | $417.17 Million | ▼ -228.4% |
| 1998 | 0.00x | $-200.00K | $-900.00K | $228.30 Million | ▼ -106.8% |
| 1997 | 0.01x | $2.50 Million | $900.00K | $193.80 Million | ▲ +33.0% |
| 1996 | 0.01x | $1.50 Million | $-400.00K | $154.70 Million | — |