Unity Bancorp Cash Flow - Quarterly (NASDAQ:UNTY)

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$12.12 $0.07 (0.58%) UNTY stock closing price Oct 21, 2016 (Closing)

The financial analysis of UNTY requires an investor to check the cash flows for Unity Bancorp. While its important to look at the Unity Bancorp debt position, the cash flow statement becomes equally important because public companies use accrual accounting. For example, if a company sells a product which gets counted as Unity Bancorp revenue but does not convert to cash because it does not receive payment in the same quarter, it affects the cash position for that period. The cash flow statement is essetial while conducting the Unity Bancorp cash flow analysis and can be used to measure the operating performance of Unity Bancorp compared to various industry peers like EVBN stock and QNBC stock. UNTY decrease in investments stood at a negative value of $-34.95M for the latest 2016-Q2. View details of Unity Bancorp cash flows for latest & last 40 quarters.

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Fiscal year is Jan - Dec. 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1
Unity Bancorp Net Income Cash Flow
Depreciation Depletion Amortization Cash-Flow0.67M0.33M1.04M0.9M0.63M0.3M1.93M1.32M0.88M0.52M
Net Increase (Decrease) in Assets Liabilities53.06M1.71M-0.32M79.71M43.82M-0.13M60.5M-0.62M28.35M-0.66M
Cash From (used in) Discontinued Operations----------
Other Adjustments Net-54.18M-2.34M-7.29M-87.89M-48.91M-1.55M-57.13M-0.2M-28.44M0.97M
Unity Bancorp Net Cash from (used by) Operating Activities
Increase (Decrease) in Prop Plant And Equipment-4.48M-3.31M3.32M0.76M0.36M0.08M2.74M2.44M2.03M0.42M
Acquisition Disposition of Subsidiaires----------
Increase (Decrease) in Investments-30.47M5.61M-114.01M-77.48M-50.26M1.34M-54.88M21.85M-16.87M-10.59M
Other Cash Inflow (Outflow) from Investment Activities------22.83M-8.26M-69.23M--
Unity Bancorp Net Cash from (used by) Invesment Activities
Issuance (Purchase) of Equity Shares0.1M-----6.21M6.22M0.06M0.06M
Issuance (Repayment) of Debt Securities19.1M0.1M-33M-35M-10M30M18M-7M18M8M
Increase (Decrease) in Bank & Other Borrowings----------
Payment of Dividends & Other Cash Distributions-0.63M-0.31M-1.1M-0.78M-0.47M-0.23M-0.75M-0.51M-0.28M-0.14M
Other Cash from (used by) Financing Activities17.7M32.32M100.15M71.9M21.08M-4.9M55.64M43.22M-10.61M28.92M
Unity Bancorp Net Cash from (used by) Financing Activities
Effect of Exchange Rate Changes on Cash----------
Unity Bancorp Net Change in Cash & Cash Equivalents
Cash & Equivalents at Beginning of Year129.82M99.4M94.19M82.57M43.92M73.63M34.43M36.31M55.43M38.75M
Cash & Equivalents at Year End96.07M126.47M88.15M88.85M90.44M133.84M129.82M101.58M95.33M128.21M
All figures in USD. M: Millions of USD, B: Billions of USD.

The statement of cash flows comprises of cash flow from financing, cash flow from operations and cash flow from investing activities. All the three can have an impact on the stock price. The Unity Bancorp stock price history and Unity Bancorp stock comparison chart inevitably reflect its cash flow situation.
  • Unity Bancorp had a Net Change in Cash and Cash Equivalents of $7.92M for the latest quarter 2016-Q2. If a firm is able to grow its cash, it is considered to be a positive signal and could lead to a jump in the Unity Bancorp stock price , albeit too much cash on hand can imply the company has no or limited avenues for growth in which to invest this cash.
  • Unity Bancorp increased its cash from operating activities to $2.68M in 2016-Q2. Operating activities include production of goods or creating a product or providing a service, and collecting payment for the same from customers. The cash generated from these activities is refered to as cash flow from operating activities.
  • Growth companies (typically most tech companies) spend heavily  on investing activities and this figure was negative at $-34.95M for UNTY stock. Sometimes a company might have a negative overall cash flow which may not be really bad if it is due to investment expenses. Hence it is important to check the cash flow from investment activities.
  • Inflow of cash in the form of bank loans and shareholders equity, and outflow of cash because of dividend payments, share repurchase payments etc. come under financing activities. The cash generated from these activities was $36.28M for Unity Bancorp.

Key Financial Ratios For Unity Bancorp Cash Flow

FCF margin