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Unity Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$48.2M in Q3 2026 · $30.8M over twelve months

Operating cash flow$48.5M
Capital spending−$313K
Free cash flow+$48.2M
Cash / net income2.8×

Analysis

In Q3 2026, Unity Bancorp generated $48.5M of operating cash flow and spent $313K on capital projects, leaving free cash flow of $48.2M. That is $3.8M more than in Q3 2025 ($44.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $31.5M; the largest uses were other investing ($306M), net borrowing (+) / repaid (−) ($30.6M), dividends ($6.3M); besides operations, cash came from other financing ($342M); the cash balance rose by $26.7M.

Operating cash flow was $48.5M against net income of $17.4M — 2.8× profit, cash ran ahead of reported earnings. The largest differences: stock-based pay +$718K, deferred taxes −$539K.

Free cash flow

Unity Bancorp: free cash flow by quarterUnity Bancorp: free cash flow by quarter$22.7MQ4 2024$17.6MQ1 2025−$24.6MQ2 2025$44.4MQ3 2025$6.9MQ4 2025$14.5MQ1 2026−$38.8MQ2 2026$48.2MQ3 2026
Operating cash flow less capital spending.
Unity Bancorp: operating cash flow against capital spendingUnity Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$23.0M$339KQ4 2024$17.9M$279KQ1 2025−$24.4M$187KQ2 2025$44.6M$214KQ3 2025$6.8M−$116KQ4 2025$14.9M$425KQ1 2026−$38.7M$94KQ2 2026$48.5M$313KQ3 2026
Latest (Q3 2026): Operating cash flow $48.5M, Capital spending $313K.

Capital allocation, year by year

Unity Bancorp: where the cash came from (up) and went (down), by fiscal yearUnity Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $32.5MFY2021: Net borrowing −$160MFY2021: Shares issued $630KFY2021: Asset sales $20KFY2021: Capital spending −$1.2MFY2021: Buybacks −$4.2MFY2021: Dividends −$3.6M$33.2MFY2021FY2022: Operating cash flow $42.7MFY2022: Net borrowing $343MFY2022: Shares issued $1.7MFY2022: Capital spending −$1.5MFY2022: Buybacks −$42KFY2022: Dividends −$4.4M$387MFY2022FY2023: Operating cash flow $46.9MFY2023: Net borrowing $39.4MFY2023: Shares issued $1.7MFY2023: Capital spending −$955KFY2023: Buybacks −$15.7MFY2023: Dividends −$4.7M$88.0MFY2023FY2024: Operating cash flow $48.0MFY2024: Net borrowing $1.1MFY2024: Shares issued $1.9MFY2024: Capital spending −$693KFY2024: Buybacks −$6.2MFY2024: Dividends −$5.0M$51.0MFY2024FY2025: Operating cash flow $44.9MFY2025: Net borrowing $5.3MFY2025: Shares issued $512KFY2025: Capital spending −$564KFY2025: Buybacks −$5.0MFY2025: Dividends −$5.6M$50.7MFY2025
Over these 5 years operating cash flow totalled $215M; the largest uses were net borrowing ($160M) and buybacks ($31.2M). Cash-flow statements as filed.

Where the cash came from and went

Unity Bancorp: sources (+) and uses (−) of cash, Q3 2026Unity Bancorp: sources (+) and uses (−) of cash, Q3 2026Other investing−$99.1MOperating cash flow$48.5MOther financing$47.4MCash drawn (+) / kept (−)$20.2MNet borrowing (+) / repaid (−)−$15.0MDividends−$1.7MCapital spending−$313K
Unity Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Unity Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$342MOther investing−$306MOperating cash flow$31.5MNet borrowing (+) / repaid (−)−$30.6MCash drawn (+) / kept (−)−$26.7MDividends−$6.3MBuybacks−$3.4MCapital spending−$716K

From profit to cash

Unity Bancorp: net income to operating cash flow, Q3 2026Unity Bancorp: net income to operating cash flow, Q3 2026Net income$17.4MStock-based pay$718KDeferred taxes−$539KOperating cash flow$48.5M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$48.5M−$313K—−$1.7M−$15.0M—$20.2M$48.2M
Q2 2026−$38.7M−$94K—−$1.6M——−$21.2M−$38.8M
Q1 2026$14.9M−$425K−$324K−$1.5M−$7.5M—−$12.6M$14.5M
Q4 2025$6.8M$116K−$3.1M−$1.5M−$5.9M—−$13.0M$6.9M
Q3 2025$44.6M−$214K—−$1.4M−$10.0M—$90.2M$44.4M
Q2 2025−$24.4M−$187K—−$1.4M$21.4M—−$82.1M−$24.6M
Q1 2025$17.9M−$279K—−$1.4M−$212K—−$31.2M$17.6M
Q4 2024$23.0M−$339K−$11K−$1.3M−$3.3M$709K$14.1M$22.7M

Unity Bancorp: income statement and cash flow

Unity Bancorp, Q3 2026: revenue $36.6M (+12% year over year), operating margin 54.6%. The chart follows the revenue to costs, profit and cash.

Unity Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.