Unity Bancorp Inc (UNTY) — Financial Flexibility Index
Unity Bancorp Inc (UNTY) has a Financial Flexibility Index of 0.01x as of March 2026. Free cash flow of $15.35 Million (operating CF $14.92 Million minus capex $425.00K) represents 0% of total liabilities ($2.67 Billion). Check asset allocation strategy of Unity Bancorp Inc to assess the company's strategic physical and investment asset allocation.
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. See UNTY current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Unity Bancorp Inc (1996–2025)
Year-by-year free cash flow to debt coverage for Unity Bancorp Inc. For the full company profile including market capitalisation, see UNTY market cap.
| 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 | — |